North Carolina- Auto Insurance

Insurance must be provided by a business licensed to insure in North Carolina, and you must provide the proof of insurance sent by that company.

Guidelines

  • All registered vehicles in the state must carry at least the minimum levels of liability insurance
  • The Minimum levels of insurance required are: $30,000 for bodily injury for one person and $60,000 for injury to more than one person per accident as well as $25,000 coverage for damage done to property.
  • The law stipulates that you must carry proof of your insurance coverage in the vehicle at all times.
  • Your insurance company must notify the state if there is a lapse in your coverage for any reason

If there is a lapse in your coverage you will receive a form notice from the state DMV that you must respond to within 10 days. If there has been a bona-fide lapse in coverage, you will have to pay a $50.00 fine. Failure to respond within 10 days will cause you to lose your license plate. You will have to pay to have your vehicle licensed again.

Contact:

Consumer Services Div.
North Carolina Dept. of Insurance
1201 Mail Service Center
Raleigh, NC 27699-1201
Phone Toll Free: 1-800-546-5664
Phone: 1-919-733-2032
Fax: 1-919-733-0085

North Carolina (NC) Mandatory Auto Insurance Minimums:

  • Liability: 30/60/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Regulations Regarding Proof of Insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory car insurance: First Offense = Fine of $50 and Driver’s License Suspension for Thirty Days

Inside North Carolina- Auto Insurance