North Carolina (NC)

Approved Carriers

Notes about state

• AIG

• Cincinnati

• PURE

• Safeco

• Travelers

• USLI

• Utica National

North Carolina Car Insurance Requirements

North Carolina drivers are required to have the following car insurance coverage:

• Bodily injury liability coverage: $30,000 per person and $60,000 per accident

• Property damage liability coverage: $25,000

• Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident

• Uninsured/Underinsured motorist property damage: $25,000

Penalties for Driving Without Car Insurance in North Carolina

In North Carolina, driving without car insurance can result in various penalties. These include fines, vehicle registration and driver's license suspension, and increased insurance premiums. Additionally, your vehicle could be impounded until you show proof of insurance. Repeated offenses can lead to misdemeanor charges, which carry more severe consequences.

Maintaining Your North Carolina Auto Insurance Coverage

If you let your car insurance coverage lapse or expire in North Carolina, your insurance company is required by law to notify the DMV. You will have 10 days to provide the DMV with current proof of coverage of required auto insurance in North Carolina. Failure to do so could result in revocation of your license plates, as well as fines and fees.