North Carolina Auto Insurance Requirements

As a “Tort” state, all North Carolina drivers are held financially responsible and accountable for any injuries and/or property damages that occurred during an accident for which the driver is at fault. For this reason, North Carolina has made it a state law to carry certain auto insurance if you own or operate a vehicle in the state.

First, a minimum liability insurance level of 30/60/25 (see the chart below) is required to fulfill your responsibility. This will help to cover damages which you cause.

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Second, uninsured and underinsured motorist (must be purchased together) protection is mandatory, with a minimum level of 30/60. This will help to cover your expenses in case you’re struck by a motorist without enough liability coverage, or even no liability coverage at all.

Medical payments, collision and comprehensive add-ons are all wise investments to compliment any North Carolina driver’s auto insurance policy.

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Auto Insurance for Leased Vehicles in North Carolina (NC)

Most leasing companies in North Carolina typically require drivers to maintain insurance coverage which exceeds the minimums set by North Carolina state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

Special Insurance Considerations for Drivers in North Carolina by City

• Charlotte
• Durham

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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010