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North Carolina Car Insurance Information

Requirement : Yes

Car insurance is required in North Carolina . Drivers must have a minimum of liability, personal injury protection - no fault, and uninsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability, personal injury protection, and uninsured/underinsured coverage is required:

    • $30,000 for bodily injury to one person.
    • $60,000 for bodily injury per accident.
    • $25,000 for property damage.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • $30,000 for bodily injury to one person.
    • $600,000 for bodily injury per accident.

Other Car Insurance Coverage Options:

Liability, personal injury protection, and uninsured/underinsured coverage are the only requirements for North Carolina motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:

    • $85,000 cash or securities deposit with the state comptroller.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times. North Carolina uses an electronic data base to monitor the car insurance status or all vehicles registered in the state.

Accepted forms of proof of financial responsibility:

  • DL-123 form - issued by insurance agent.
  • North Carolina insurance policy.
  • Insurance binder.
  • Insurance card.
    • Your insurance provider will send you an insurance card.
  • Certification of financial responsibility.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $50 fine for first offense
      • Revocation of vehicle registration for 30 days
    • $100 fine for second offense within 3 years.
    • $150 fine for third offense, within 3 years.

  Credit Scores & Determining Your Insurance Premium :

All North Carolina drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers should try to find a provider that specializes in high-risk, non-standard drivers.


Other factors that may be used to determine your premiums include:

  • Credit history
  • Driving history
  • Year, make, model of car
  • Deductible

Discounts : Yes

Discounts available in North Carolina:

  • Good driver discount.
  • Good student discount.
  • Multi-vehicle discount.
  • Homeowner discount.
  • Anti-theft device discount.
  • Safety device discount

Cellphone Use:

All drivers are prohibited from using cell phones while driving. All drivers are prohibited from texting while driving. Cell phone and texting violations are considered primary offenses.

North Carolina Minimum Coverage Laws

Carriers in North Carolina

Full Insurance Laws for North Carolina