Raleigh auto insurance from an independent agency

Around Raleigh

• I-440 Beltline
• I-540 Outer Loop
• I-40
• Capital Boulevard
• Glenwood Avenue
• Six Forks Road
• Falls of Neuse Road

North Carolina minimum liability limits

For policies issued or renewed on or after July 1, 2025, North Carolina requires liability limits of at least $50,000 bodily injury per person, $100,000 bodily injury per accident and $50,000 property damage (often written 50/100/50), according to the NC Department of Insurance and NCDMV. Policies issued or renewed before that date carried the old 30/60/25 minimums until renewal.

Minimum limits are a legal floor, not a recommendation. A multi-car crash on I-440 or I-540, or damage to a newer vehicle, can exceed $50,000 quickly. Higher limits, and an umbrella policy on top, protect your savings and home if you are found at fault.

Uninsured and underinsured motorist coverage (UM/UIM)

North Carolina law requires uninsured motorist coverage on auto policies, and starting July 1, 2025, underinsured motorist coverage is included in all new and renewed policies. UM pays when an at-fault driver has no insurance or flees; UIM pays when the at-fault driver’s limits are not enough to cover your injuries.

The 2025 changes also mean UIM is measured against your total damages and, under the statute, is generally not reduced by the at-fault driver’s liability payment (with a workers’ compensation exception). We can show how matching your UM/UIM limits to your liability limits works on your quote.

How North Carolina auto rates work

As with homeowners insurance, the North Carolina Rate Bureau files base auto rates with the Commissioner of Insurance, and companies apply their own discounts and underwriting. North Carolina also uses the Safe Driver Incentive Plan (SDIP), which adds insurance points for at-fault accidents and moving violations, raising premiums for several years. Drivers that companies do not want to keep can be ceded to the North Carolina Reinsurance Facility while still being insured by the company.

Because companies price differently within those rules, comparing several at once matters. Ask us about multi-car, good-student, homeowner and paid-in-full style discounts; availability varies by company.

Bundling and new homeowners

If you are buying a home in Raleigh, it is a good time to review your car insurance too. Many companies discount auto when they also write the home, and we compare the bundle against separate policies so you see both.