Car insurance requirements in North Carolina
What the law actually requires, and why it usually isn’t enough.
Every figure on this page is sourced and dated. Requirements change when legislatures amend them, so we say where ours came from and when we last checked.
What North Carolina compels you to carry
- Bodily injury liability
- Property damage liability
- Uninsured motorist
- Underinsured motorist
The driver responsible for a crash — and their insurer — is liable for the resulting damage and injuries.
What’s specific to North Carolina
North Carolina's minimums rose to 50/100/50 on 1 July 2025 under Senate Bill 452, from 30/60/25 — limits that had stood since 1999.
They are now among the highest in the country, and UM/UIM coverage must match the new liability limits.
Why the minimum is a floor, not a recommendation
State minimums are set by legislation. They reflect what lawmakers judged to be the least a driver should carry — often decided years ago and rarely revisited. North Carolina’s figures say nothing about your circumstances.
The consequence is concrete: if you cause an accident and the claim exceeds your limits, the remainder can come from you. Liability coverage is the part of the policy protecting everything you own, which is why the sensible question is what you’d have at risk — not what the statute permits.
Checking this yourself
You should not have to take our word for it. The North Carolina Department of Insurance publishes the current requirements, handles complaints, and maintains a licence lookup so you can verify anyone selling you a policy.
Find the North Carolina insurance department via the NAIC directoryNorth Carolina car insurance questions
North Carolina requires at least 50/100/50 — $50,000 of bodily injury liability per person, $100,000 per accident, and $50,000 of property damage liability. Verified 2026-08-17.
North Carolina operates an at-fault (tort) system. The driver responsible for a crash — and their insurer — is liable for the resulting damage and injuries.
Minimums are a legal floor set by legislation, not an assessment of what you'd need. If a claim exceeds your limits the difference can come from you, so the honest test is what you'd have at risk in a serious at-fault accident — not what the statute permits.
The North Carolina Department of Insurance publishes the current requirements and a licence lookup. We list our source and the date we last verified these figures on this page, and requirements do change — legislatures amend them.
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We’re licensed in North Carolina and work with multiple carriers, so we can compare rather than sell one company’s product.
Requirements verified 2026-08-17 against NC Senate Bill 452; NC Rate Bureau (primary source). State insurance law changes — confirm current requirements with the North Carolina Department of Insurance before relying on any figure here. General information only, not legal or insurance advice. Quote My Policy LLC is a licensed insurance producer.