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Allen Insurance Agency

6835 Jordan Road
Ramseur, NC 27316

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Auto Insurance in North Carolina

If you are looking for auto insurance in North Carolina, Allen Insurance Agency can help you out. We offer various coverage options for those in need. It is mandatory by state law to have car insurance if you own or operate a vehicle. If you are pulled over and cannot prove that you have insurance, you may suffer significant consequences. The same goes for if you were to get into an accident. Having auto insurance keeps you secure.

Requirements & Coverage

The state of North Carolina requires that you have at least liability coverage on your vehicle. You must have at least $30,000 for bodily injury per person, $60,000 bodily injury for all persons involved in an accident, and $25,000 property damage coverage. There are other coverage options available, but those are the minimum needed to get by in the state. Another thing you should be aware of is that the state does allow companies to use fault for a car accident to deny payment of claims. One of the strictest contributory negligence laws is in this state. Uninsured motorist coverage is also a state requirement. However, it usually comes along with liability coverage.

As far as coverage options go, you can choose from one of the following:

  • Bodily injury liability
  • Property damage liability
  • Uninsured motorist
  • Underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive

Medical payments, collision, and comprehensive are not a requirement. However, you must already have coverage with another policy. Underinsured motorist coverage is offered with uninsured motorist coverage. Just be sure that you weigh your options before deciding which policy to choose.

Request a Quote Today

We can give you a quote here at Allen Insurance Agency today. We strive to make sure that our customers are completely satisfied with both our service and the policy option that they choose. If you live in North Carolina, visit our office in Ramseur, NC or give us a call today.


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  • North Carolina