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

Raleigh, NC Auto Insurance

Affordable Rates for Raleigh/Durham and the Research Triangle


As North Carolina’s capitol, Raleigh draws countless visitors annually. Not to mention, it’s part of the state’s Research Triangle, famous worldwide for its technology sector and top-rated universities. Raleigh is also part of a combined statistical area of more than 2 million residents.

Drivers in the area need affordable car insurance, especially when navigating the city’s famously-congested traffic system. You never know when a wreck or other hazard might make it critical to receive the coverage offered by your policy. Let ACF Insurance Services help you find appropriate coverage.

Getting Your Auto Insurance Policy

Every North Carolina driver must, by law, carry car insurance. Still, most policies offer a wide selection of optional coverage from which any driver can benefit. Some of the protection options you might need include:

  • Liability Protection: This helps you pay for the property damage or injuries you cause others if you are at fault in an accident. North Carolina requires you to carry at least:
    • $30,000 bodily injury liability coverage per person
    • $60,000 for total bodily injury liability coverage per accident
    • $25,000 property damage liability protection
  • Collision Coverage: This pays for damage to your car after a wreck.
  • Comprehensive Coverage: This pays for repairs to your car after non-accident damage, such as weather or theft losses.
  • Uninsured/Underinsured Coverage: This pays for damage caused to you by another party that doesn’t have liability coverage. Some North Carolina policies must include this coverage, so ask your ACF Insurance Services agent about your specific requirements.
  • Medical Payments Coverage: This covers your medical bills, and those of your passengers.
  • Other coverage options - such Rental Car Assistance, Roadside Assistance or Towing Coverage - can help you cover the costs of these critical services.

You’ll need to choose cash limits for your policy that reflect your car’s value, and your personal needs. That might feel tricky, but it doesn’t have to be. ACF Insurance Services can guide you step-by-step through enrollment.

Why Work With ACF Insurance Services?

Everyone needs targeted auto insurance. At ACF Insurance Services, we can provide the customized coverage you seek. And we won’t put you on hold or send you through dozens of hoops to get that coverage. The same representatives will manage your claims and policy adjustments every time you call. To us, insurance is personal, and our old-fashioned customer service is what guarantees your satisfaction.

We specialize in providing the right protection at the lowest prices. We offer conveniently-priced coverage for standard drivers and those with points on their license, DUI charges or other blemishes on their records. We’ve got some of the best rates in the business, for all North Carolinians.

Common Auto Insurance Questions:

What Is Auto Insurance?
Your car costs money, both to buy and maintain. It’s also critical to your transportation needs. So, how can you get it fixed or replace it affordably following a mishap?

With an auto insurance policy, you can receive cash and services to help you recoup your losses. The funds provided by your policy allows you to recover from unexpected incidents at a lower cost burden. That way, you can weather any inconveniences without sacrificing your personal security.

Is Auto Insurance Important? 
Auto insurance helps provide essential coverage if your vehicle is stolen, damaged or involved in an accident. The various types of coverages you can add to your policy may include: 

  • Collision coverage helps cover damage to your vehicle if your vehicle hits, or is hit by, another vehicle or other object. Collision pays to repair your vehicle, minus the deductible you chose. 

  • Comprehensive coverage helps protect your vehicle and sometimes other vehicles you may drive from financial losses from an incident other than a collision, such as if your vehicle is stolen or damaged by a covered loss (e.g., falling object or fire). 

  • Liability coverage can provide financial protection for you and other covered drivers if you cause third-party injuries or property damage in an accident. Most states, including North Carolina, require drivers to carry a minimum amount of liability coverage. Typically, there are two components to liability coverage:

  • Bodily injury liability covers injuries that you cause to someone else. These bodily injury claims include medical bills, loss of income and pain and suffering.

  • Property damage liability covers you or someone driving your vehicle if your vehicle damages someone else’s property. It also includes legal costs if someone decides to sue you after an accident.  

  • Medical payments or personal injury protection covers medical expenses to you and your passengers injured in an accident. This coverage also applies to you or your family members if you are injured while riding in someone else’s vehicle or hit as a pedestrian or while bicycling. 

  • Uninsured and underinsured motorist coverage covers you, a family member or a designated driver if hit by an uninsured or hit-and-run driver. This coverage also protects you as a pedestrian. Depending on the levels of liability coverage you carry, you may also need to carry a minimum amount of uninsured/underinsured motorist coverage under North Carolina law. 

ACF Insurance Services can help you find a policy that fulfills the North Carolina minimum insurance requirements and offers you the protection you need. 

What Does an Auto Policy Cost?  
Numerous factors can influence the cost of your auto insurance, including:  

  • Your chosen coverage limits

  • The value of your vehicle

  • Your driving accident history

  • Your history of claims on other auto policies

  • Where you live

  • How far you drive each year

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 at (919) 878-7786 in North Raleigh or (919) 661-1100 in South Raleigh.

Get A Quote

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