Basic Car Insurance Requirements
- Liability
Insurance Required? Yes
- Liability Minimums: 30/60/25 (Bodily
Injury (BI) and Property
Damage (PD))
- Insurance Proof Required? Yes: After an Accident/When
Driving
- First Offense Penalty: $50 fine, 30 day suspension of
driver's licence
North Carolina Department of Insurance Contact Information
North Carolina Department of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201
Phone Toll Free: (800)546-5664
Phone: (919) 733-2032 outside NC
Fax: (919)733-0085
Website: www.ncdoi.com
North Carolina Consumer Guide
The
North Carolina Auto Insurance Consumer Guide (Adobe Acrobat
PDF file)
This 20 page booklet contains: an FAQ, basic
insurance requirements, the NC safe driver incentive plan
(SDIP), consumer complaints, coverage for high risk drivers
and what to do after an accident.
Rate
Calculation Service For Consumers
This online calculator can give a buyer a rough idea of the
cost of auto
insurance in North Carolina for his or her particular
circumstances. The actual rate charged by an insurance company
will vary and this calculator should only be used as a guide.
This step-by-step questionnaire asks for number of vehicles,
number of drivers, age of vehicle(s), car make, model and
type and the area where driven plus the zip code. It then
produces a base quote.
The
North Carolina Safe Driver Incentive Plan (SDIP) (Adobe Acrobat
PDF file)
This brief document details the way that points are added
to a drivers license and the resulting premium increase along
with the Booze It and Lose It campaign. The point system was
enacted to lower costs to safe drivers and to increase the
costs of drivers who break the law.
Filing
A Consumer Insurance Related Complaint with the assistance
of the Consumer Services Division of the North Carolina Department
of Insurance
Auto Insurance Requirements By State
Visit our full list of auto
insurance minimum state requirements here.
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