There are various coverages that you can get, though the state requires a minimum for you to cover no matter what. You will need to have a minimum for personal liability as well as vehicle liability per accident. This means that there are certain amounts that will cover any damage to your car as well as injuries that may be sustained by you or drivers/passengers of any car that you may hit.

It’s important to understand that North Carolina is an “at fault” state, which means that someone is found at fault for an accident and it is that person that bears the insurance responsibilities for all aspects of the accident. This can lead to more expensive car insurance, so it is important to know how to impact the insurance costs.

Such factors involve:

– Type of vehicle

– Safety record

– Age of driver

– ZIP code