Southport Auto Insurance
From the NC 211 commute to the ferry line at Deep Point, our Southport office insures the cars, golf carts and trailers people here actually drive.
From the NC 211 commute to the ferry line at Deep Point, our Southport office insures the cars, golf carts and trailers people here actually drive.
Most Southport driving runs on a handful of roads, and NC 211 is the one everyone knows. NCDOT has been widening a 7.2-mile stretch of NC 211 from Midway Road to NC 87, from two lanes to four with a median, partly to give the area a safer evacuation route. Work zones, merges and new traffic patterns on a busy two-lane-turned-four-lane road are where fender benders happen.
Some commutes include a boat. The Southport-Fort Fisher ferry is part of the state ferry system and keeps a commuter schedule at peak hours, so a Southport car can spend part of its day on the Cape Fear River and the rest in New Hanover County.
Then there's Bald Head Island. You can't drive a car there. People park at Deep Point, take the ferry and get around the island by golf cart or bicycle. The Village requires golf carts and electric vehicles to be registered, limits drivers to licensed drivers, prohibits gas-powered golf carts on Village streets, and sets an 18 mph speed limit island-wide. North Carolina's rules of the road, including impaired driving laws, apply on the island.
Every policy written or renewed since July 1, 2025 carries at least $50,000 per person and $100,000 per accident for injuries, $50,000 for property damage, and underinsured motorist coverage. A driver first licensed after July 1, 2025 carries the inexperienced driver surcharge for 8 years, and speeding tickets and Prayers for Judgment Continued now count for 5 years.
North Carolina ties your license plate to your insurance. If your coverage lapses, your insurer notifies NCDMV. You'll owe a civil penalty of $50, $100 or $150 depending on prior lapses, and NCDMV can revoke your plate. Re-registering costs a $50 restoration fee plus the plate fee.
Injuries and damage you cause others. Minimum 50/100/50. Most households we insure carry 100/300/100 or more.
Pays you when the at-fault driver has no insurance or not enough.
Medical bills for you and your passengers regardless of fault, which matters more under contributory negligence.
Flood, surge, fallen trees, deer, theft and crashes. Comprehensive is the coverage that pays after a hurricane.
Golf carts, boats, personal watercraft and RVs, each written to fit how you use it.
Liability above your auto and home, from $1 million.
701 N Howe St, Suite 1, Southport, NC 28461 · (910) 448-4818 · Monday to Friday, 8am to 5pm.
Southport is our newest office. Deanna Matthews, Tom Tully and Curt Pritchard are your advisors here. We compare more than 100 insurance companies, and every client works with a licensed advisor. Sizemore Insurance is independent and family-owned, founded in Wilmington in 1977.
See also: North Carolina Auto Insurance, statewide rules and coverage.
The North Carolina minimum: $50,000 per person and $100,000 per accident for injuries and $50,000 for property damage, with underinsured motorist coverage included, on policies written or renewed on or after July 1, 2025.
Only if you carry comprehensive coverage. Liability and collision don't pay for flood or surge. Add comprehensive well before hurricane season, not when a storm is on the way.
The Village requires golf carts to be registered and driven only by licensed drivers. Insurance protects you if someone is hurt or property is damaged. Ask us whether your homeowners policy covers the cart off your property, or whether it needs its own policy.
Ask us to check. How a policy treats a car on a ferry depends on its terms, which vary by company.
Five years under the rules that took effect July 1, 2025, including a Prayer for Judgment Continued.
Annual mileage and garaging address both factor into price. Tell us your real commute, because an underreported commute can cause problems at claim time.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.