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North Carolina Auto Insurance Requirements

In North Carolina it is required by state law that you maintain a minimum bodily injury liability limit of $30,000 per person, $60,000 per accident, and $25,000 property damage limit. This coverage is recognized as 30/60/26 liability with 30/60 UM limits.

North Carolina Insurance Coverage Limit Minimums:
Bodily Injury $30,000/$60,000 - Property Damage $25,000
Uninsured Motorist Bodily Injury $30,000/$60,000
Uninsured Motorist Property Damage $25,000

North Carolina follows a Tort insurance system which means someone is always found at fault for causing an accident, that individual and their insurer is responsible to pay for all damages. Each individual state tort system may vary.

In North Carolina the law requires you to have Uninsured Motorist coverage to protect against damages caused to you and your passengers by an Uninsured driver in the amount of $30,000 per person up to a total of $60,000 per accident for any bodily injury and $25,000 Property Damage.

When getting a quote with, you will discover that our coverage page gives you the option to select coverages to match your individual needs, you can customize every deductible or limit. If you are unsure of a particular limit to choose, the option is always available to make a change before you buy your policy.

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