Auto Insurance Minimum Requirements
North Carolina requires all drivers to carry minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $50,000 for property damage — commonly written as 50/100/50. North Carolina is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
⚡ Recently Changed
North Carolina's minimum auto insurance requirements changed on 2025-07-01. See details below.
Important Notes
Minimum liability limits increased from 30/60/25 to 50/100/50 for all policies issued or renewed on or after July 1, 2025 (per Session Law 2023-133). Underinsured Motorist (UIM) coverage is now mandatory for all minimum limits policies. The new framework also eliminates insurer UIM setoffs, evaluating claims based on total damages sustained.
Uninsured / Underinsured Motorist
All new or renewed policies must include UM and UIM coverage matching the 50/100/50 minimum limits.
Alternatives to Insurance
A security cash deposit or corporate surety bond of $150,000 filed with the DMV.
Fine
$50+
License / Registration
Suspension: Yes
SR-22 Required After
No
What is the minimum car insurance required in North Carolina?
North Carolina requires minimum liability coverage of $50,000 per person and $100,000 per accident for bodily injury, plus $50,000 for property damage. This is written as 50/100/50 coverage.
Is North Carolina a no-fault state?
No, North Carolina is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in North Carolina?
Yes. North Carolina requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. All new or renewed policies must include UM and UIM coverage matching the 50/100/50 minimum limits.
What happens if I drive without insurance in North Carolina?
Driving without insurance in North Carolina can result in fines of $50+ and license/registration suspension.
Do I need an SR-22 in North Carolina?
SR-22 filings are not commonly required in North Carolina unless specifically ordered by a court.
What does 50/100/50 mean in North Carolina?
These numbers represent your liability limits: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $50,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Official Source
North Carolina Department of Insurance
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.