Compare coverage levels and find the right protection for your needs in North Carolina
This comparison chart is for educational purposes only and provides estimated coverage comparisons. Actual coverage, limits, and costs vary significantly between insurance companies, individual circumstances, and specific policy terms. This information should not be considered as factual insurance advice or guarantees. Always consult with a licensed insurance agent and review actual policy documents for accurate coverage details. Bill Layne Insurance Agency is not responsible for decisions made based on this comparison chart.
Choose which coverage levels you'd like to see in the comparison chart below.
Compare different coverage levels to find the right protection for your situation. Remember, these are estimated ranges and actual coverage may vary.
| Coverage Type | Basic NC Minimum |
Good Recommended |
Better Enhanced |
Best Maximum |
|---|---|---|---|---|
| Bodily Injury Liability Per person / Per accident |
$50,000 / $100,000 | $100,000 / $300,000 | $250,000 / $500,000 | $500,000 / $1,000,000 |
| Property Damage Liability Per accident |
$50,000 | $100,000 | $250,000 | $500,000 |
| Uninsured Motorist Bodily injury per person / per accident |
$50,000 / $100,000 | $100,000 / $300,000 | $250,000 / $500,000 | $500,000 / $1,000,000 |
| Uninsured Motorist Property Damage Per accident |
Not Required | $25,000 | $50,000 | $100,000 |
| Medical Payments Per person |
Optional | $5,000 | $10,000 | $25,000 |
| Comprehensive Deductible What you pay for comprehensive claims |
No Coverage | $500 - $1,000 | $250 - $500 | $100 - $250 |
| Collision Deductible What you pay for collision claims |
No Coverage | $500 - $1,000 | $250 - $500 | $100 - $250 |
| Rental Car Coverage Daily limit / Maximum days |
Not Included | $30/day - 30 days | $40/day - 45 days | $50+/day - Unlimited |
| Towing & Labor Per incident |
Not Included | $50 - $100 | $100 - $200 | $200+ |
| Estimated Annual Premium Range* *Varies greatly by driver, vehicle, location |
$400 - $800 | $800 - $1,500 | $1,200 - $2,200 | $1,800 - $3,000+ |
Who this might work for: Drivers with older vehicles (under $5,000 value) and limited assets to protect.
Risks: May not provide adequate protection for serious accidents. Medical bills and property damage can easily exceed these limits.
Legal Note: This meets North Carolina's minimum legal requirements but may not be financially sufficient.
Who this works for: Most drivers with moderate assets and newer vehicles. Good balance of protection and cost.
Benefits: Provides meaningful protection for most accidents while remaining affordable.
Popular Choice: This level covers the majority of accidents adequately.
Who this works for: Homeowners and those with significant assets to protect. Higher-income earners.
Benefits: Strong protection against lawsuits and major accidents. Lower deductibles for convenience.
Peace of Mind: Covers most serious accidents without personal financial exposure.
Who this works for: High-net-worth individuals, business owners, and those who prioritize maximum protection.
Benefits: Maximum protection against catastrophic losses. Premium coverage options.
Ultimate Protection: Designed for those who want the highest level of insurance protection available.
Understanding what influences your premium helps you make informed decisions about coverage levels.
Use these general guidelines to help determine appropriate coverage levels for your situation.
Consider: Basic to Good level coverage
Consider: Good to Better level coverage
Consider: Better level coverage
Consider: Best level + Umbrella policy
May skip comprehensive/collision coverage
Good level with higher deductibles
Better to Best level with lower deductibles
Comprehensive & collision required by lender
Consider gap insurance if you:
Consider umbrella coverage if you:
Our experienced agents can help you choose the right coverage levels for your specific situation and budget.
Bill Layne Insurance Agency
Licensed NC Insurance Agent | Serving North Carolina Since 2004
1283 N Bridge St, Elkin, NC 28621
Important: This comparison chart provides estimated information for educational purposes only.