North Carolina (NC) Car Insurance Requirements (2026)
The minimum you need
- Bodily injury per person
- $50,000
- Bodily injury per accident
- $100,000
- Property damage
- $50,000
Raised in 2025 to 50/100/50.
At-fault state Whoever caused the crash pays, through their liability coverage.
What else is required
PIP (personal injury protection): Not required
Uninsured motorist: Required
Rating factors
- Insurers can't use your gender to set your price.
Teen and new driver notes
The minimums here are much higher than in neighboring states, so a basic policy already carries real protection.
New to all this? Start with the new driver guide.
Penalties for driving uninsured
Driving without insurance can mean fines and a suspended license and registration.
Penalty schedules change and vary by county. Confirm current fines with the North Carolina Department of Insurance before relying on this for a specific situation.