Car Insurance in Morrisville, NC

Even the most experienced drivers can cause accidents. That is why vehicle owners in Morrisville are required to carry car insurance. From fender-benders on Chapel Hill Road to multi-car collisions on I-40, a good auto insurance policy can prevent you from facing large financial losses in the aftermath.

Finding the best and most affordable coverage is easy when you work with a local independent agent. These agents can obtain customized car insurance quotes from a variety of the area's most highly rated insurance providers. Talk to an independent insurance agent near you to get started.

How Much Does Car Insurance Cost in Morrisville, NC?

Morrisville residents looking for an affordable car insurance policy will be happy to learn that the average cost for coverage in North Carolina is well below the national average.

• National average annual car insurance cost: $1,311
• North Carolina's average annual car insurance cost: $986

Of course, an average cost can only give you a general idea of what you might be expected to pay. Car insurance rates can vary from one driver to the next because insurance companies base their rates on factors like:

• Details about the vehicle(s) you are insuring, such as its year, make, model, trim, and value
• Your age, occupation, driving history, claims history, and credit score
• Information about the other licensed drivers in your household
• Whether you own or rent your home
• How much liability coverage you want to purchase
• Which, if any, coverage options you want to include in your policy
• Whether you qualify for any offered car insurance discounts

Comparing rates from various insurance companies lets you choose the policy that offers the coverage you want at the most affordable price.

Is Car Insurance Required in Morrisville, NC?

In Morrisville, vehicle owners are required to carry a car insurance policy that meets or exceeds North Carolina's minimum coverage requirements. This means your policy must include:

• Liability insurance: This covers other people's medical bills and property damage if you are at fault for an accident. Your policy must have, at a minimum:
  • $30,000 in bodily injury liability insurance per person
  • $60,000 in bodily injury liability insurance per accident
  • $25,000 in property damage liability insurance per accident
• Uninsured motorist insurance (UIM): This covers your medical bills and property damage if you are in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your policy must have, at a minimum:
  • $30,000 in UIM bodily injury insurance per person
  • $60,000 in UIM bodily injury insurance per accident
  • $25,000 in UIM property damage insurance per accident

If you are at fault for an accident that involves serious injuries or, worse, a fatality, your financial obligations can easily exceed what a minimum coverage policy can cover. That is why many drivers in Morrisville opt to purchase car insurance that has higher-than-required liability limits.

If you want to have even more liability coverage than your policy can provide, you may also want to consider umbrella insurance. Buying an umbrella insurance policy is an affordable way to boost your liability coverage significantly.

What Else Does Car Insurance Cover in Morrisville, NC?

In addition to the coverage required by the state, most car insurance providers offer their policyholders a variety of coverage options. Some of the options you may want to consider adding to your car insurance policy include:

• Physical damage coverage: This covers damage to your own vehicle. It is usually required by lenders if you are still paying for your car and by dealerships if you are leasing it. Physical damage coverage includes:
  • Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Medical payments coverage: This can help pay for medical treatments for you and members of your household if you are injured in a collision, regardless of fault.
• Towing and roadside assistance coverage: This covers the costs of a service call if your car becomes disabled while you are on the road, such as if you run out of gas or your engine overheats.
• Gap insurance coverage: This is usually a good idea in the first year of new-car ownership or when leasing a car. It can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event and you still owe more than it is worth.
• Windshield and glass replacement: This covers the cost of replacing your vehicle's safety glass if it is cracked or shattered.
• Rental car reimbursement coverage: This covers the cost of renting a vehicle while having your car repaired for damage sustained in a covered event.

An independent insurance agent can help you review the details and costs of your various coverage options so you can make an informed decision about which, if any, are a good fit for you and your family.

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What Is the Penalty for Driving without Insurance in Morrisville, NC?

In North Carolina, it is a misdemeanor to drive an uninsured vehicle. If caught, you can face penalties including:

• A civil penalty fee of $50 to $150
• The suspension of your vehicle registration for up to 30 days
• The need to pay a $50 fee to get your license plates reinstated
• Possible jail time or probation for up to 45 days for repeat offenders
• Higher car insurance rates

The good news is that North Carolina has one of the lowest rates of uninsured drivers in the country:

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of North Carolina drivers who are uninsured: 6.5%

If you are involved in a collision caused by an uninsured or underinsured driver, that person is responsible for paying for any property damage or injuries you and your passengers may sustain.

Fortunately, because the state requires your policy to include uninsured motorist coverage, you can receive compensation directly from your insurance provider instead of going through lengthy legal channels to collect it. Your insurance company will take on the task of suing the at-fault driver.

What Is the Auto Theft Rate in Morrisville, NC?

The auto theft rate in North Carolina is lower than the national average, and in Morrisville, the rate is even lower. This is not to say the risk does not exist. Residents of this city report around 16 auto thefts a year. 

• National auto theft rate per 1,000 people: 2.29
• North Carolina auto theft rate per 1,000 people: 1.70
• Morrisville auto theft rate per 1,000 people: 0.56

Although the chance your car will be stolen in Morrisville is relatively low, it is important to be aware that you can only be compensated for theft if your car insurance policy includes comprehensive (or "other than collision") coverage.

If you are financing or leasing your vehicle, you probably have comprehensive coverage already. If not, you may want to inquire about how much it would cost to include it in your car insurance policy so you can decide whether or not it is of good value to you.

What Are the Best Car Insurance Companies in Morrisville, NC?

Qualities that make an insurance company stand out above the rest include responsive customer service, reliable coverage, and affordable rates. The best car insurance companies in North Carolina consistently demonstrate these qualities.

Independent insurance agents have teamed up with some of North Carolina's most highly rated insurance providers. This lets you be sure that any policies your agent recommends to you are offered by insurance companies you can count on if you ever need to file a claim.

How Can a Local Independent Agent Help Morrisville Residents Find the Best Car Insurance?

When you are in the market for any type of insurance coverage, you can turn to a local independent agent for help. These agents work for you, not for a particular insurance company. This means they can shop around to find you a policy that provides all the coverage you want at a price you can afford.

Contact an independent insurance agent in the Morrisville area to get answers to your insurance-related questions and to start comparing a selection of customized car insurance quotes.