North Carolina Car Insurance

In North Carolina, you are legally required to have a means of covering any costs of injuries or damages that may result from a car accident. The best way to fulfill this requirement is by purchasing car insurance.

Learn more about North Carolina car insurance requirements, options, and programs below.

NC Car Insurance Requirements

North Carolina requires that ALL drivers have liability insurance. This coverage helps pay for injuries and damages from a car accident for which you are at fault.

The minimum liability coverage limits are:

$30,000 for bodily injury liability, per person per accident.
$60,000 of bodily injury liability total per accident.
$25,000 of property damage liability, per accident.

You are also required to have uninsured motorist coverage. This helps pay for your own accident-related injuries when the collision occurred with an uninsured driver.

The same minimum limits apply as with your bodily injury liability insurance.

Optional Car Insurance

In addition to the required liability coverage, most NC auto insurance companies also offer optional types of auto insurance coverage.

Options typically include:

Collision – This will cover collision-related damages to your car.
- (NOTE: This covers collisions with other moving vehicles.)
Comprehensive – This will help cover damages to your car for non-collision incidents, such as vandalism.
Towing and labor.
Rental car.

NOTE: North Carolina does not require you to have collision and comprehensive coverages. However, your finance company or bank will require you to purchase comprehensive and collision car insurance IF you are paying off a loan or are leasing your car.

Proof of Insurance

North Carolina requires you to provide proof of insurance when registering your car.

Acceptable forms of proof of insurance include:

A DL-123 form issued by your insurance agent certifying that you currently hold an insurance policy.
Your NC car insurance policy.
An insurance binder.
An insurance card.

You can obtain any of the above from your car insurance carrier.