North Carolina Car Insurance Laws

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North Carolina requires drivers to carry a minimum amount of liability and uninsured/underinsured motorist coverage, summarized as 30/60/25. This breaks down to $30,000 of bodily injury liability per person; $60,000 of bodily injury liability per accident; and $25,000 of property liability per accident for either type of coverage.
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Keep reading to learn all the information you need to know about your car insurance minimums in North Carolina—including what they actually cover.
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What insurance do I need in North Carolina?

North Carolina motorists must carry a minimum amount of liability coverage and uninsured motorist insurance on their car when driving. Motorists must also be able to show proof of insurance?.
This is a brief summary of the minimum insurance requirements for North Carolina.
Required North Carolina minimum car insurance
** Type of coverage**Minimum insurance limit
Minimum liability coverage30/60/25
Bodily injury per accident$30,000
Bodily injury per person$60,000
Property damage per accident$25,000
Uninsured motorist coverage30/60/25
Bodily injury per person$30,000
Bodily injury per accident$60,000
Property damage per accident$25,000
Key Takeaway North Carolina drivers must carry minimum limits of both liability and uninsured/underinsured motorist coverage as well as valid proof of insurance when behind the wheel.

Liability insurance in NC

There are two main types of liability insurance, bodily injury liability and property damage liability, and North Carolina drivers are required to carry both of them. Bodily injury liability and property damage liability will help cover costs for the other party if you cause an accident; however, they won’t cover your own costs.
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What is the penalty for not having car insurance in North Carolina?

North Carolina takes car insurance violations seriously, and drivers caught without insurance could face penalties, including license plate revocation and fines.
Any vehicle owner caught driving without insurance will receive a notification from the state DMV. After receiving that notification, the car owner will only have 10 days to respond and avoid the following repercussions.
The penalties for driving without car insurance in North Carolina
  • License plate revocation
  • Reinstatement fees
  • $100 fine for a second offense
  • $150 fine for any subsequent offenses
Key Takeaway North Carolina drivers that are caught without proof of insurance could have their license plate revoked and face fines and reinstatement fees.

Additional coverage options

North Carolina drivers who want to upgrade their minimum car insurance requirements have plenty of great options to choose from that will help make their policy more durable and robust.

Comprehensive insurance

Comprehensive insurance covers damage to your car caused by non-collision events, like fires, floods, severe weather, and theft.

Collision insurance

Collision insurance covers damage to your car following a rollover or collision—no matter who is found to be at fault.

Medical payments (MedPay) insurance

MedPay is designed to help cover any medical expenses for you and your passengers resulting from a claim, regardless of who is at fault.

Gap insurance

Gap coverage will cover the difference between what you owe on your totaled car and the settlement you receive from your insurance following an accident.

New car replacement insurance

New car replacement insurance will ensure that a new vehicle that is totaled is replaced with a car of a similar make and model year, so you don’t have to worry about dealing with depreciation in your payout.

Towing and labor insurance

Towing and labor coverage will help cover the cost of standard emergency roadside services, like fuel deliveries, tire changes, or towing services.

Rental car reimbursement insurance

Rental reimbursement insurance helps to cover the cost of a rental car if your car requires multi-day repairs after a car insurance claim.
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How to get cheap car insurance in North Carolina

If you are looking for a free and easy way to save money on car insurance in North Carolina, download the Jerry app.
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“I can’t believe Jerry actually found me car insurance in my price range! Using Jerry was quick, easy, and painless—and the best part was enjoying the money I saved. I’m saving almost $150/month. I can’t wait until Jerry helps me shop for new savings on my renewal!”— Satisfied Jerry user
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FAQs

Are you required to have car insurance in North Carolina?

Yes, drivers in North Carolina are required to carry a minimum amount of liability and uninsured/underinsured motorist coverage, summarized as 30/60/25. This breaks down to $30,000 of bodily injury liability per person; $60,000 of bodily injury liability per accident; and $25,000 of property liability per accident for either type of coverage.

Is North Carolina a no-fault car insurance state?

No. North Carolina is an at-fault or tort insurance state.

Does North Carolina insurance follow the car or the driver?

North Carolina insurance follows the car, not the driver.

Do I need more than the minimum insurance in North Carolina?

Legally, you are only required to carry the state minimum coverage in North Carolina—but if you loan or lease your car, you might have to purchase full coverage options like comprehensive insurance or collision insurance.
If you want to find the lowest price on your minimum coverage or upgrade your policy, Jerry is the free car insurance shopping app that will help you find the best rates fast.
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