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Auto Insurance For Residents Throughout North Carolina

As an independent insurance agency in North Carolina, with over 50 years of combined experience, we’ve built solid relationships with dozens of insurance companies so that we can offer you the coverage you need at the best rate. 

Don’t get caught thinking all auto policies are the same. Your auto policy needs to be customized to fit your individual needs. One size does not fit all when it comes to auto insurance.

We Understand

We live and work in Wilmington, North Carolina. We’re local. We get you. We know that you’re interested in finding coverage that meets your specific needs at the best possible price.

Financial Protection

You want to be financially secure in case of an accident, whether you are at fault or not. This includes coverage for:

  • Repair or replacement of your own vehicle (collision and comprehensive coverage)

  • Medical bills and property damage caused to others (liability insurance)

Peace Of Mind

Knowing you have adequate insurance removes a significant burden of worry and allows you to drive with confidence.


Finding the right balance between getting enough coverage and keeping the cost within your budget is crucial. You might be eligible for:

  • Discounts offered by different insurance companies based on factors like driving record, safety features in their car, or being a good student.
  • Flexible payment options to make managing the cost easier.

Ease Of Use

You value the convenience of communication, easy claims filing, and good customer service from us, your insurance provider.

Why You Need Auto Insurance In North Carolina

In North Carolina, auto insurance is the LAW. You must carry at least liability insurance on all vehicles tagged in your state. NC’s minimum liability limit is 30/60/25 ($30,000 per person/$60,000 per accident/$25,000 property damage). Typically we recommend no less than 100/300/100 and an umbrella policy will more than likely require you to carry 250/500/100.

Most major carriers have raised the rates for auto coverage in coastal communities. We have the advantage to compare prices from different carriers for the best rate for your coverage.

We have multiple carriers that continue to be competitive and often save our clients up to 40%. Call us today for a free auto quote!

Pro tip: While getting a good deal is important, prioritize getting the right coverage for your needs. Skimping on essential coverage to save a few bucks might leave you financially exposed in case of a serious accident.

What does an auto insurance policy cover?

Most auto owners’ insurance includes several types of coverage, some of which are mandatory in most states. Of these, the most common are:

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Bodily Injury Liability

Bodily Injury Liability is for accidents where you’re at fault for causing an injury to the other driver or passenger(s). Coverage includes:

  • Medical bills
  • Prescriptions
  • Lost wages
  • Pain and suffering
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Property Damage Coverage

Property Damage car insurance covers damage to the other party’s property, such as:

  • Vehicles
  • Yard
  • Light pole
  • Fencing
  • Backing into a garage door
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Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist Coverage can be confusing. This coverage is for times when you’re injured by someone who doesn’t have auto liability insurance, or whose coverage isn’t sufficient to pay for the damage caused. Available compensations include:

  • Medical expenses
  • Funeral expenses
  • Vehicle repairs

How Driving History Affects Auto Insurance in Wilmington, North Carolina

Looking to lower your auto insurance rates in Wilmington, NC? Avoid accidents and tickets at all costs. A clean driving record reassures insurance companies that you’re unlikely to have frequent accidents. Here are a few criminal activities that drive up auto insurance premiums.

  • Speeding citations
  • At-fault collisions
  • DUIs/DWIs
  • Reckless driving tickets

Insurance companies use low auto insurance rates to incentivize drivers with clean records. What’s more, a reckless driving ticket in North Carolina can spike car insurance rates by 83%. So, the next time you’re itching to run a stop sign, think about how it can affect your auto insurance rates!

In most cases, speeding tickets will “fall off” your driving record in 3 years. Meaning, car insurance companies will no longer charge you for minor infractions after 3 years.

However, a DUI or DWI will stay on your driving record for 5 years, in most cases.

Of course, the most severe penalty is for DUI or DWI convictions. In North Carolina, a DUI can increase the annual car insurance rate by $3,416- 68% more than the U.S. average. DUI charges often lead auto insurance companies to consider a driver high-risk and capable of causing fatal accidents.

Bundle Auto & Homeowners Insurance And Save

You’ve heard that bundling your auto insurance and home insurance can save you money. If you are looking to reduce your auto insurance rates, The Huneycutt Group can bundle your auto and home insurance together to save you even more. 

Auto Insurance Companies We Represent

National General

Auto Insurance FAQs

Simply put, auto insurance is a contract between you and your insurance company wherein they agree to pay for your losses if you’re involved in an accident or theft. Virtually every state requires drivers to have some form of auto insurance and also establishes minimum amounts.

Driving without auto insurance in Wilmington NC can land you in trouble with the law. Depending on the circumstances, you could be facing:

  • Hefty fines, running anywhere between a few hundred to a few thousand dollars
  • License suspension
  • Vehicle registration suspension or revocation
  • Vehicle impoundment
  • Fees
  • Imprisonment

Your auto insurance coverage may include rental cars, but it’s still wise to call your insurer to know for sure. Or, you can get in touch with the credit card company you will use to pay for the rental. Some credit cards offer additional coverage, so it’s crucial to understand the terms and conditions before you sign the dotted line.

When buying auto insurance, you’d want a policy that’s high on benefits and low on expenses. That’s why it’s vital to compare different coverages, understand their features, and weigh their suitability. Here are a few factors you can use to compare auto insurance quotes.

  • Price
  • Customer reviews
  • Your car’s age
  • Exclusions and invalid claims
  • Coverage

When comparing auto insurance rates, be sure to take the following elements into account.

  • The build of your car (security systems and anti-theft devices may qualify for discounts on your premium)
  • Your driving habits and record
  • How much your drive
  • Where you live and park your car
  • Your age and gender
  • The type of coverage you select
  • Your limits and deductibles

Client Reviews

Recently switched to The Huneycutt Group for my home insurance and couldn’t be more pleased with my experience. I really appreciated the willingness and helpfulness my agent offered me in exploring different carrier options. This industry can feel very transactional (depending on who you choose to work with) so it was refreshing to know my assets were considered carefully when selecting my policy. The app offers convenience, the website is easy to use and the peace of mind is priceless!

Gabe Moore

Very responsive to my questions concerning my insurance needs related to my outer beach property. Their suggestions and information provided were a big help in my decision making.

William Davis

We needed home owners insurance and have a large skate ramp in our backyard, so it was extremely hard to find a company that would exclude the skate ramp. Natalie at the Huneycutt Group went above and beyond to get it worked out. She adds new meaning to customer service!!

Charlene Taylor

I have been partnered with the Huneycutt Group for over a year now and have continuously been impressed with their professionalism and focus on customer service. I would highly recommend them for your home insurance needs.

Jason Bordas

Contact The Huneycutt Group