What To Know About Auto Insurance & Moving To North Carolina

Switching over your car insurance might be easier than you think

Moving is one of the most challenging things a person or family can do. Your to-do list is jam packed with things like packing, changing over addresses, mail forwarding, and more. North Carolina auto insurance is probably on that list, too — and while it’s important, it doesn’t have to be hard if you have help.

Because each state has its own set of transportation laws, you’re most likely going to need to switch over your existing auto insurance policy, or find a new one in North Carolina. Partner with an independent auto insurance agency in North Carolina to make the transition as seamless as possible, and maybe save a little money while you’re at it.

Switching Over Car Insurance In North Carolina

car driving down road

If you already have car insurance in your current state, you can make the transition easier by finding a copy of your insurance declaration page. A declaration page is usually the very first page of your insurance policy documents or contract. It’s also sometimes called a policy declarations page.

Your declaration page outlines the details of your coverage and includes information about you and your policy like:

  • Your monthly premium cost
  • Your insurance company
  • Coverage limitations
  • How claims are processed

It’s important you find your auto insurance declarations page so you can give a copy to your new North Carolina car insurance agent. This information gives your agent a leg up when they start shopping for affordable plans. To find your declaration page, you can search your email, log in to your insurance portal (if there is one) online, or call and ask to have a copy mailed to you.

You can connect with a local North Carolina auto insurance agent to find out the state’s requirements and average monthly rates. They can also help organize the transition from one carrier to another, or simply from your old state to North Carolina.

Your current auto insurance should be switched over as soon as possible. Your independent auto insurance agent will be able to give you more details about important deadlines, but in general, you’ll have 90 days to get your vehicle registered and insured in North Carolina once you move. It’s best to talk with a licensed agent to ensure you have the most up-to-date information about such deadlines and timeframes.

Find The Perfect Plan

It’s our pleasure to evaluate all your insurance needs and help you choose the right policy. With Carolina Insurance Professionals by your side, you will be ready for any surprises that life throws your way.

This field is for validation purposes and should be left unchanged.

Want To Speak with an Insurance Agent?
Call Us at 919-285-4732

North Carolina Car Insurance Enrollment

Each state has different minimum car insurance coverage laws, and North Carolina is no exception. When you enroll in North Carolina auto insurance, you’ll be required to hold at least the following to legally drive in state:

Bodily injury liability

  • $30,000 per person
  • $60,000 per accident

Property damage liability

  • $25,000

Uninsured motorist bodily injury

  • $30,000 per person
  • $60,000 per accident

Uninsured motorist property damage

  • $25,000

Just like most other states, you’ll need proof of active auto insurance before hitting the road. This means you should make an appointment with a licensed and insured auto insurance agent in North Carolina ASAP to get a quote, and then get coverage. Your insurance agent can walk you through state requirements, costs, and what extra add-ons you should invest in based on your needs.

For example, if you’re moving to North Carolina with your family and have a teenage driver, you might want to explore additional coverage. Some auto insurance companies give discounts for multiple policy members, and your agent can help you explore those options as well. Additional auto insurance options include:

  • Collision coverage costs
  • Higher deductible amounts in exchange for lower monthly premiums (or vice versa)
  • Bundling auto insurance with home insurance for a discount
  • Comprehensive insurance for young drivers

Cost Of Auto Insurance Enrollment In NC

There are a few things insurance companies consider when determining your auto insurance premium rates. With the help of an independent auto insurance agent in North Carolina, you can skip shopping around online and comparing quotes — they’ll do that for you and recommend the best plan for you and your family. However, it’s important to understand how your rates are calculated so you have a decent idea of how high, or low, your rates will be in North Carolina.

The age of everyone you need to get car insurance for

If you’re looking to get a multi-member auto insurance policy, the carrier is going to ask for information about each individual. They’ll take into account their age when calculating a quote. For example, if you need to insure a teenage family member, they have less experience driving and have a higher chance of getting into an accident. For this reason, they’re going to be more expensive to insure.

The type of car insurance coverage you want

North Carolina requires four different types of auto insurance to get you on the road: bodily injury, property damage, uninsured bodily injury, and uninsured property damage. There are other types of insurance you can add on to your auto insurance policy like medical coverage. Your auto insurance agent can walk you through each type of car insurance and recommend ones based on your budget and your needs.

How much auto coverage you want

The state of North Carolina has a set of minimum car insurance requirements (see figures above). If you want or need to increase that coverage to protect your family and assets from liability, you’ll need to increase those figures. When you ask for more coverage, your auto insurance rates will most likely increase as well.

Your driving history

Auto insurance carriers will look at your past driving history and take this into consideration when giving your agent a quote to compare. Things like reckless driving, DUIs, and other infractions (major or minor) can impact how “insurable” you are at affordable rates. The more negative marks on your driving record, the more expensive your North Carolina auto insurance rates are likely to be.

Luckily, families and individuals moving to North Carolina can easily and quickly find affordable auto insurance rates with the help of independent agents. Carolina Insurance Professionals helps countless new residents each year to move their insurance coverages to comply with North Carolina regulations. Plus, we can take care of much more than just your auto insurance. To transition your home, health, auto, life, or even Medicare insurance over to your new state, simply contact us.

We’re conveniently located in Raleigh, North Carolina and have a team of expert, licensed, and insured agents ready to take your call. Our assistance is available at no extra cost to you. Why shop around for auto insurance in North Carolina when you can work with an independent insurance agent who can take care of it for you? We can get custom auto insurance quotes fast and discuss the differences in coverage with you, one-on-one.

How Our Clients Rate Us

Scroll to Top