Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The minimum liability car insurance requirements in North Carolina are $30,000 in bodily injury liability insurance per person ($60,000 per accident) and $25,000 in property damage liability insurance. These requirements can also be written as 30/60/25.
Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for. In addition, drivers in North Carolina will need to purchase $30,000 per person, $60,000 per accident and $25,000 in property damage uninsured/underinsured motorist coverage to satisfy the state's minimum car insurance requirements.
Types of Car Insurance Required in North Carolina
- Bodily injury liability (BI)
- Property damage liability (PD)
- Uninsured motorist (UM)
- Underinsured motorist (UIM)
- Uninsured motorist property damage (UMPD)
If North Carolina drivers do not purchase at least the minimum amounts of car insurance coverage required by North Carolina law, they can face penalties for driving without insurance.
Drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder%s own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely need these types of insurance if your vehicle is financed.
To learn more, check out WalletHub's guides on how much car insurance you need and cheap car insurance in North Carolina.
People also ask
How much liability insurance do I need?
You need enough liability insurance to cover your net worth. Having coverage equal to the value of the assets you own and all the money you have, minus your debt, protects you financially in case of a serious car accident.
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read full answer by WalletHub, Financial CompanyIs uninsured motorist coverage required in North Carolina?
Drivers in North Carolina are required to have at least $30,000 in uninsured motorist bodily injury (UMBI) coverage per person, and up to $60,000 per accident. North Carolina drivers must also have at least $25,000 in uninsured motorist property damage (UMPD) coverage per accident. UMBI and UMPD both cover the policyholder and their passengers after an accident caused by a driver with inadequate insurance.
Types of Uninsured Motorist Coverage in North Carolina
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Is personal injury protection required in North Carolina?
No, personal injury protection (PIP) is not required in North Carolina (it's not even available to purchase). Instead of PIP insurance, North Carolina insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.
MedPay is similar to PIP insurance in that both handle your medical bills even if you cause a car accident. But MedPay covers less than personal injury protection, with no provisions for lost wages or...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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