North Carolina

Auto Insurance Minimum Requirements

50/100/50

Liability Limits

No-Fault

N/A

PIP Minimum

UM+UIM

Uninsured Motorist

⚡ Recently Changed

North Carolina's minimum auto insurance requirements changed on 2025-07-01. See details below.

Full Requirements

Bodily Injury (per person)$50,000

Bodily Injury (per accident)$100,000

Property Damage$50,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredYes

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsNot used

Effective Date2025-07-01

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.

Official Source

North Carolina Department of Insurance

View Official Site →

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.