N. Raleigh | (919) 878-7786
S. Raleigh/Garner | (919) 661-1100

Auto Insurance

Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Auto Insurance Information

Your car is one of millions of others on the American roads, and it needs to have proper auto insurance coverage. North Carolina requires all vehicles to carry minimum levels of car insurance. If you fail to do so, you could face penalties. Therefore, car insurance isn’t just necessary, it is the law.

ACF Insurance Services can help you get the best policy to protect your vehicle, your liabilities and your finances.

What Is Auto Insurance?

Auto insurance is a contract between you and your insurance company that protects you from financial losses in case you have a car accident. Your insurance company will help pay for the losses you experience from the accident.

Car insurance comes with a variety of options that cover different scenarios in the event of an accident. We offer various types of coverage including comprehensive and collision, towing and extended transportation, medical payments, roadside assistance, non-owners coverage and much more.

Our agents will work with you to customize a policy that matches your needs. We don't want you in a situation where you have to pay more out-of-pocket than is necessary. Let us help you find the best auto insurance policy at the most affordable price.

What Kind of Car Insurance Is Required in North Carolina? 

North Carolina law states that drivers living in the state must carry liability insurance. There are three main types of insurance you must purchase to remain in compliance with North Carolina’s laws.  

Bodily injury liability insurance helps pay for damages to other people resulting from a car accident caused by you or another driver listed on your auto policy. This coverage may help pay for funeral and medical expenses, pain and suffering, lost wages, disability, rehabilitation, lawsuit settlements and legal expenses.  

Property damage liability insurance helps pay for damages to someone else’s property resulting from a car accident caused by you or someone else on your auto policy. It may provide coverage for the other vehicle(s) involved in the accident, other property damage and legal expenses.  

Uninsured/Underinsured motorist helps pay for damages when the other driver is at-fault in an accident and has inadequate insurance coverage or is uninsured. If your liability limits are greater than the minimum, you must purchase a combined uninsured/underinsured motorist policy. If your liability limits are equal to the minimum required amounts, you must include uninsured motorist coverage.  

If you finance your vehicle, your lender may require you to obtain additional coverages, such as collision or comprehensive coverage. Your agent may recommend adding more than the minimum required coverage, depending on your situation. 

What Is The Process For Getting My Auto Policy?

Everyone has different needs from their auto insurance coverage. Vehicle usage and specifications are very different from person to person, and auto insurance policies are always uniquely designed to fit the vehicle, location and driver. ACF Insurance helps you get the auto coverage that’s right for you.

Our clients can choose policies from many different insurance providers. Our agents can even compare policy options across multiple companies to make sure you get the best coverage while paying the lowest price.

We are happy to work with any North Carolina driver, regardless of his or her driving record. Clients with accidents, violations, DWI, DUI and bad credit are no problem for ACF Insurance. Our goal is to provide every driver with the best and most affordable insurance that we can.

Why Work With ACF Insurance Services?

ACF Insurance has over 25 years of experience in the business. If you live in Raleigh, Durham, Fuquay Varina, Knightdale, Zebulon, Garner, Clayton, Cary, Wendell, Holly Springs, Apex, Wake Forest or any other area of North Carolina, we can gladly develop a car insurance policy that meets your needs.

ACF Insurance takes pride in great customer service. Our professional staff will get you the cheapest rates and the best coverage possible. With us, you don’t have to worry about having trouble when updating your policy or paying bills. We can make it affordable and easy.

We offer convenient payment options, including choices of payment due dates, auto drafts, low down payments, low monthly payments, direct billing, and text reminders.

You can also take advantage of our E-signature program. It is designed to help you apply for insurance or make policy changes from your own home. We can email you a link and you just have to type your name into signature boxes and submit the E-signed documents back to us.

With our convenient payment methods, your insurance policy will stay active, and you can make any changes on your own schedule.

What Affordable Insurance Options Does ACF Insurance Offer?

Do not worry if you have bad credit or violations.ACF Insurance Services is here to help you and we want to save you time and money! Low down payments and low monthly payment options are available! We compare multiple company rates to provide you with the most affordable auto insurance quote possible. We strive to provide cheap auto insurance with the best coverage possible for our customers.

ACF Insurance is known for providing affordable car insurance for the following situations: accidents, speeding tickets, driving while license suspended or revoked, non-owner policies, stop sign, red light violations, reckless driving and we also have the most affordable DWI and DUI auto insurance in North Carolina.

Who Has The Cheapest Car Insurance In North Carolina?

Car insurance rates vary from person to person based on the drivers who are rated drivers on the policy. Factors include driver license points, tickets, accidents, violations and experience. The type of vehicle is also an important factor. The sporty and more expensive vehicles will have higher insurance rates than your older model used vehicles.

What Is The Average Cost Of Car Insurance In North Carolina?

The average cost on car insurance in North Carolina is $655.37 per year. However, this can vary drastically when you factor everything — such as your coverages, driving record, number of claims and type of vehicles. We recommend not using averages on car insurance unless you use more filters to narrow down some of the criteria. Examples include an using average with 5 years of experience, for liability only or for one driver with zero points.

What Are The Minimum Car Insurance Liability Limits In North Carolina?

To legally operate a motor vehicle in North Carolina, the minimum limits are $30,000 Bodily Injury per person, $60,000 Bodily Injury per accident and $25,000 Property Damage per accident. We recommend our clients go with higher limits than the state minimum if they can afford to.

Is Car Insurance In North Carolina Cheaper Than In Other States?

Based on various studies, North Carolina is the least expensive state in the country to buy car insurance. North Carolina has remained competitive when compared to the entire country over the past 20 years. However, this data changes from year to year.

Does My Car Insurance Cover My Battery Or My After-Market Stereo System?

Unfortunately, batteries and after-market items installed in your vehicle are likely not covered within the scope of car insurance in North Carolina. However, there are some optional endorsements available with some carriers who can add additional coverages. Please ask your sales agent for more details.

Get Started Today

Contact one of our agents today to learn more about auto insurance. You can start a free quote using one of our online forms. You can also reach us over the phone. Our Raleigh office phone number is (919) 878-7786. Our South Raleigh/Garner number is (919) 661-1100.


Matt saved me a lot of money on my auto insurance! Thank you ACF! Treymont H.

I think ACF Insurance is great. While shopping for insurance, ACF seemed to have comprehensive packages and great prices. Great insurance at a great price, no hassle! Angela V.

Great service, also great because they let you know when your insurance is due they always call to remind you. Jasmine J.

I've had insurance with ACF since 1994 in my business and auto. Check out their prices and services, and find out yourself how they can serve you! James S.

Important Links

North Carolina Department of Motor Vehicles

North Carolina Department of Motor Vehicles Handbook

North Carolina Department of Transportation

Carolina Road Driving Sample Test Form

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