What are North Carolina’s Minimum Car Insurance Requirements?

Car Insurance
December 9, 2022

North Carolina drivers are fortunate as the state has some of the most lenient car insurance requirements. That means there is no reason to be driving around without car insurance in North Carolina. This article will give you a basic outline of the minimum requirements for car insurance. But to be sure that you and your vehicle are covered, contact a Superior Insurance agent to get a complete review and they will give you multiple quotes so you can have peace of mind AND save money.

Here’s a quick overview of what you need to keep your ride covered:

Minimum car insurance requirements in North Carolina

North Carolina requires you to have at least $30,000 per person and up to $60,000 per accident in bodily injury liability coverage. You’ll also need property damage liability coverage of at least $25,000 to cover any damages you may cause while driving.

  • Bodily injury coverage protects you from financial hardship if you cause an accident with another car and the driver and passengers are injured.
  • Property damage coverage protects other people’s property, such as cars and buildings, that may be damaged in an accident that you cause.
  • Last but not least, North Carolina also requires uninsured / underinsured motorist coverage, which covers medical bills in such a situation.

So make sure you’ve got the minimum amounts of car insurance required in North Carolina, or else you may be facing a world of trouble in the event of an accident.

There you have it – North Carolina’s basic car insurance requirements are surprisingly low! So, If you’re looking to save money on car insurance in NC, just contact Superior Insurance in Raleigh or Durham and get the best coverage at an affordable price.

The Final Note

So, take a breath and relax, knowing that you can avoid those insurance-related nightmares with just a few clicks of your mouse or a phone call. Just make sure to abide by North Carolina’s minimum requirements, and you’ll be good to go!

For more information about car insurance in North Carolina, visit Superior Insurance and get the best coverage today. At Superior Insurance, we are ready to assist North Carolina drivers with any and all of their insurance requirements. Our four offices – located in Raleigh and 2 in Durham, NC – are each staffed with licensed NC insurance agents who would be more than excited to help you save money today!

Please don’t hesitate to call or stop by one of our locations or fill out a quote request online. We look forward to hearing from you. Safe driving!