Auto insurance
🚗Auto Insurance in North Carolina & South Carolina
Personal auto insurance is required liability coverage plus optional coverages that vary. North Carolina and South Carolina use different minimums. An agent reviews available options; price and acceptance are never guaranteed.
Get an auto quote →What personal auto insurance may cover
Liability generally pays covered injury or property damage you cause to others, up to limits. Collision and comprehensive may pay for damage to your vehicle when selected. Uninsured and underinsured motorist rules differ by state.
North Carolina versus South Carolina
North Carolina minimum liability for new or renewed policies on or after July 1, 2025 is stated as 50/100/50. South Carolina lists 25/50/25 for liability and uninsured motorist; underinsured motorist must be offered but is not required. Do not mix the two states.
How much does auto insurance cost?
Cost depends on underwriting, coverage, deductibles, location, driving history, vehicle and carrier. No quote on this site guarantees the lowest price.
FAQ
Questions people ask
What is liability-only auto insurance? +
It generally pays covered bodily injury or property damage you cause to others, up to policy limits. It does not usually pay to repair your own vehicle after a collision.
What does “full coverage” mean? +
“Full coverage” is not a single standardized policy term. People commonly mean liability plus collision and comprehensive coverage, but limits, deductibles and extras still vary.
Do financed or leased cars need full coverage? +
A lender or leasing company commonly requires collision and comprehensive coverage. Check the finance or lease contract for exact limits and deductibles.
Why did my car insurance price increase? +
Possible factors include statewide rate changes, claims trends, driving history, vehicle, location, coverage, discounts or carrier underwriting. A policy review can identify the factors that apply.
Does auto insurance cover theft or hail? +
Comprehensive coverage may cover theft or hail subject to the deductible, exclusions and claim facts. Liability-only coverage normally does not protect your own vehicle for those losses.
Does car insurance cover a borrowed car? +
Coverage depends on the vehicle's policy, permissive use, the driver's policy, exclusions and the circumstances. Review both policies before relying on coverage.
Carolinas Coverage Insurance Agency
410 Westinghouse Blvd, Suite B
Charlotte, NC 28273
North Carolina and South Carolina. Spanish and English contact paths.