Auto Coverage Analyzer

North Carolina Requirements

Legal Minimum Requirements

NC law requires minimum coverage, but it may not fully protect your assets.

Required Coverage

Bodily Injury (per person) $30,000
Bodily Injury (per accident) $60,000
Property Damage $25,000
Estimated Monthly Cost $45 - $75

Coverage Gaps

Low limits may not cover serious accidents
No coverage for your own vehicle damage
No protection against uninsured drivers
Personal assets at risk in lawsuits

Recommended for You

RECOMMENDED

Additional Protection Options

Rental Car Coverage

+$5-15/month

Pays for rental car while yours is being repaired

Recommended if you depend on your car daily

Gap Coverage

+$10-20/month

Covers difference between car value and loan amount

Essential if you owe more than car's value

Roadside Assistance

+$8-25/month

24/7 towing, jump-starts, lockout service

Great peace of mind for all drivers

New Car Replacement

+$15-30/month

Replaces totaled new car with brand new vehicle

Available for cars less than 1 year old

Money-Saving Tips

Bundle Policies

Save 10-25% by combining auto and home insurance

Safe Driver Discounts

Clean driving record can save 10-20%

Anti-Theft Devices

Car alarms and GPS tracking save 5-15%

Higher Deductibles

Increase deductible to lower monthly premiums

Low Mileage Discount

Drive less than 7,500 miles/year for savings

Good Student Discount

Students with B+ average save 10-15%

Ready to Get Covered?

Our experienced agents can help you find the perfect coverage at the best price

Call (336) 835-1993 Get a Quote

1283 N Bridge St, Elkin NC 28621

Save@BillLayneInsurance.com

Vehicle Information

Daily Commute

Pleasure Only

Business Use

Driving Profile

Clean Record

Minor Issues

Multiple Issues

Coverage Preferences

Lowest Cost

Balanced

Maximum Protection