North Carolina

North Carolina requires minimum liability of 50/100/50 — $50,000 bodily injury per person, $100,000 bodily injury per accident, and $50,000 property damage. These are state minimums; consumer advocates typically recommend higher limits (100/300/100) to cover serious injuries.

Bodily injury liability in North Carolina pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $50,000 per injured person and $100,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in North Carolina pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $50,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

North Carolina REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM/UIM coverage at 50/100/50 is mandatory and matches liability minimums (raised from 30/60/25 effective July 2025). UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

Self-insurance certificates available for fleets of 26+ vehicles through the Department of Insurance. DL-123 form (not SR-22) is required after most violations. North Carolina raised liability minimums to 50/100/50 effective July 2025.

For the most current minimum auto insurance requirements in North Carolina, consult the official source at https://www.ncdoi.gov/. State minimums change periodically; verify current law before relying on these figures.