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North Carolina Auto Insurance Laws
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North Carolina Auto Insurance Laws

If you plan to be out driving the open roads, you have to have auto insurance in North Carolina. Direct Auto Insurance offers the right amount of coverage to keep you legal on the roads.

If you live or are moving to North Carolina, here’s the required amount of auto insurance you will need to drive legally on the roads.

North Carolina Car Insurance Requirements

North Carolina law requires that you have financial responsibility on all your registered vehicles and that you carry proof in all vehicles. The easiest way to maintain financial responsibility is with car insurance. The minimum liability limits required for car insurance in North Carolina are:

  • Bodily Injury Liability coverage of at least $30,000 to cover injury or death to any one person that results from an auto accident, and $60,000 to cover injuries to or death of more than one person resulting from a single auto accident.

  • Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.

You are required to carry uninsured motorist coverage at the same limits as your liability coverage. If you carry greater than minimum liability insurance, you qualify to purchase underinsured motorist bodily injury coverage.

North Carolina Motorcycle Insurance Laws

If you plan on cruisin' the roads of North Carolina, you have to stay covered with motorcycle insurance. The required auto insurance laws are the same as car insurance requirements:

  • Bodily Injury Liability coverage of at least $30,000 to cover injury or death to any one person that results from an auto accident, and $60,000 to cover injuries to or death of more than one person resulting from a single auto accident.

  • Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.

Not all motorcycle insurance policies in all states cover passengers. Never assume that motorcycle guest passengers are automatically covered by motorcycle liability insurance. In fact, motorcycle passengers are not covered by default under many motorcycle liability insurance policies. Motorcycle Guest Passenger Liability (GPL) must be purchased in order to cover your passenger. This coverage will cover passengers if you are found to be liable or legally at fault.

Always practice safety precautions with a motorcycle. Safety gear and safe driving are important when riding a motorcycle, and it's especially important to choose the right motorcycle helmet. For more information, check out our motorcycle safety tips.

If you have more questions about the auto insurance laws in North Carolina, feel free to visit one of our knowledgeable agents at a Direct North Carolina location near you, visit us at Directgeneral.com, or call at 1-877-GO-Direct (1-877-463-4732).


 
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