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North Carolina car insurance

North Carolina Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

North Carolina mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Failure to maintain valid auto insurance means a driver will have their license plate will be suspended for at least 30 days. Reinstatement carries a $50 fee, any applicable plate fees, as well as a $50 service fee.

North Carolina Minimum Liability Coverage
Each state sets its own minimum liability amounts. In North Carolina they are as follows:

  • Bodily Injury for One Person: $30,000
  • Bodily Injury for All Injuries: $60,000
  • Property Damage: $25,000

North Carolina Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

North Carolina requires everyone to carry minimum UM/UIM coverage of $30,000 per person and $60,000 per accident and $25,000 for property damage.

No Fault Insurance
In North Carolina, you are not required to carry no-fault insurance. North Carolina is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.