Additional car insurance coverage in North Carolina
North Carolina drivers with a full coverage policy can also include add-on insurance options for further coverage. Some of the best additional coverage options in the state of North Carolina include:1 Rental car reimbursement
: This coverage option will pay for costs up to your policy limits related to renting a vehicle while your vehicle is being repaired.Towing and labor
: Also known as roadside assistance, towing and labor coverage pays for everything from jumpstarts to tire changes to towing costs.Custom equipment coverage: Custom equipment coverage pays for the replacement costs for additional permanent electronic accessories and custom parts.
Automobile death indemnity, specific disability, and total disability benefits coverage: This type of coverage will provide a benefit for death, specific disabilities, and total disabilities resulting from a car crash.
Penalties for driving without insurance in North Carolina
Driving without insurance
or proof of insurance
in North Carolina is considered a Class 1 misdemeanor, making the consequences all the more serious. Not only do the charges and fines increase but they’re even imposed on coverage lapses
. | | | License/registration suspension |
---|
| | | 30-day suspension for both |
| | Up to 45 days probation or jail time | 30-day suspension for both |
3rd and subsequent offense | | Up to 45 days probation or jail time | 30-day suspension for both |
After receiving a ticket, you’ll get an FS 5/7 form in the mail from the DMV. You have up to 10 days to provide proof of insurance—and if you can show that proof, you might avoid consequences.
Drivers who experience a lapse in coverage will be required to pay a $50, $100, or $150 civil penalty fee depending on how many prior paid lapses occurred in the last 3 years. Individuals must also pay a $50 fee to reinstate their vehicle registration.
FAQs
How much is liability car insurance in North Carolina?
North Carolina drivers typically pay $2,889 per year for the state minimum liability insurance. For a full coverage option, motorists pay, on average, $3,153 annually. Both of these insurance costs put North Carolina over the national average.
Who has the cheapest car insurance in North Carolina?
Progressive, National General, and Nationwide offer some of the cheapest rates for car insurance in North Carolina. But it’s important to keep in mind that your car insurance rates are determined
based on a number of factors, making insurance quote comparison key. What does liability insurance cover?
Liability insurance pays for the property damage and bodily injuries for the other party after an accident. If you don’t have enough coverage in place to pay for more serious damages, you could be left paying the remainder out of pocket and face possible legal consequences.