Car Insurance In North Carolina

The state of North Carolina is currently the 39th most expensive for car insurance which is down 5 percent from September 2010. The average North Carolina resident pays $1,057 for annual premiums, which is significantly less than the national average of $1,545. Although insurance rates in the “Tar Heel State” are considerably lower than places like New York due to a more dispersed population and lower crime rates, weather phenomena like seasonal hurricanes contribute to higher costs than places like Iowa where premiums are the cheapest.

Requirements:

• Bodily Injury Liability: $30,000/$60,000 Limit
• Property Damage Liability: $25,000 Limit
• Uninsured Motorist Bodily Injury: $30,000/$60,000 Limit
• Uninsured Motorist Property Damage: $25,000 Limit

What you need to know about North Carolina

The state of North Carolina follows a tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state. To help protect against damages caused to you and your passengers by an uninsured driver, North Carolina state law requires minimum uninsured/underinsured motorist coverage of $30,000 per person up to a total of $60,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.

What you may not already know about North Carolina

Everyone has their own ideas of what is and isn’t fun, but in North Carolina driving through a cemetery for fun is not OK. No matter how much you want to peel out on your ex-husband’s grave, or run down your father in-law’s headstone don’t do it. If you get caught driving through a cemetery, and enjoying it, you will have to pay the price which can come with everything from violating private property regulations to reckless driving charges. Now, if you can manage to muster up some fake tears while burning rubber over Henry Louis Wallace’s, killer of at least nine young women from 1992 to 1994, final resting place you might get off the hook.