North Carolina · Personal auto insurance
Every driver in North Carolina must meet the state’s legal minimum. Below are the North Carolina requirements and what most drivers add for real protection.
50/100/50 means $50,000 of bodily injury coverage per person, $100,000 per accident and $50,000 for property damage. North Carolina also requires: Uninsured/underinsured motorist (policies issued or renewed on or after July 1, 2025). A serious crash can easily cost more than the minimum, and you are personally responsible for the difference.
The state minimum does not repair your own car. Collision pays for crash damage to your vehicle and comprehensive pays for theft, hail, flood, fire and animal strikes. If your car is financed or leased, the lender almost always requires both.
If North Carolina suspends your license, it may require proof of future financial responsibility, usually an SR-22 filed by your insurer. Your state notice says which form and for how long.
InsurixPro is an independent agency based in Atlanta, Georgia. Send a request with your drivers and vehicles. Whether we can quote a policy in North Carolina depends on licensing and carrier availability there, and we confirm that after reviewing your request.
Last updated 2026-10-27. Written by the InsurixPro Editorial Team. Laws change; confirm current requirements with the official regulator before you buy. This page is general information, not legal advice.
Helpful answers before you begin
50/100/50, plus uninsured/underinsured motorist (policies issued or renewed on or after july 1, 2025).
At-fault (tort): the driver who causes a crash is responsible.
It meets the law, but it rarely covers a serious crash or your own car. Most drivers choose higher liability limits plus comprehensive and collision.
Start your online personal car insurance quote in under two minutes or speak directly with a licensed InsurixPro specialist to review deductibles, lender loss-payee coverage, and SR-22 options.
