Buy Cheap North Carolina Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$30,000 limit per person / $60,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$30,000 limit per person / $60,000 limit per accident (bodily injury) / $25,000 limit (property damage), may be rejected in writing
Underinsured Motorist
Offered with uninsured motorist coverage
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap North Carolina Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is no ban.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes
In North Carolina, text messaging is banned for all drivers.
DUI Laws
Buy Cheap North Carolina Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.15
There's an increased penalty for drivers with a BAC of 0.15 or above.
1st offense Suspension:
30 days
Administrative license suspension on the 1st offense: In North Carolina, law enforcers can confiscate a first-time offender's driver's license for 30 days if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted after 10 days.
Ignition Interlocks:
Mandatory for offenders with a BAC of .15 or higher and repeat offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. North Carolina made ignition interlocks mandatory for all offenders with a BAC of .15 or higher and repeat offenders.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for no less than one year, impoundment or immobilization of any and all of the offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and a sentence of at least five days of imprisonment or 30 days of community service for a second-time offender. Third-time and further offenders can see at least ten days of imprisonment or 60 days of community service.
Open Container Law:
Yes
No driver or passenger can have any open container of alcohol in any area of the vehicle where it would be easily accessible by the driver or passengers, including a glove compartment. Open containers of alcohol must be transported in the trunk of a vehicle or if a vehicle doesn't have a trunk, the open containers must be behind the last upright back seat.
Graduated Drivers License
Buy Cheap North Carolina Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years of age, individuals can begin driving with supervision for a period lasting a minimum of twelve months. In this stage, the new drivers are required to get 60 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: 9pm-5am
Passenger Restriction: No more than 1 passenger under 21; if under 21 passenger is family, no other non-family passengers under 21
Required Supervised
Driving Hours: 12 (6 at night)
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 9pm and 5am and cannot drive with more than one passenger under the age of 21. If there's a family member under 21 as a passenger, then there cannot be any non-family members passengers under 21.
Full Privilege Age:
Age: 16.5
(Full driver's license): At the age of 16 and 6 months, North Carolina drivers can now get a standard driver's license without any restrictions if they took driver's education.
Speed Limit
Rural Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Urban Interstates:
SPEED LIMIT
70
MPH
SPEED LIMIT
70
MPH
Other Limited Access Roads:
SPEED LIMIT
70
MPH
SPEED LIMIT
70 MPH
Page Source: ghsa.org
Buy Cheap North Carolina Auto Insurance in 2024
Department of Insurance
Website: www.ncdoi.gov/
Address: 537 College Street, Asheville, NC 28801
Phone: 855-408-1212 (toll free) or 919-807-6750
Buy Cheap North Carolina Auto Insurance in 2024
DMV Information
Website: www.ncdot.gov/DMV/
Phone: 919-715-7000
Call Center Hours:
Monday – Friday, 8:00 a.m.-5 p.m.