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North California Auto Insurance Requirements and Coverage - Charlotte

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In North Carolina, you are legally required to have a means of covering any costs of injuries or damages that may result from a car accident. The best way to fulfill this requirement is by purchasing car insurance.

Learn more about North Carolina car insurance requirements, options, and programs below.

North Carolina Car Insurance Requirements

North Carolina requires that ALL drivers have liability insurance. This coverage helps pay for injuries and damages from a car accident for which you are at fault.

The minimum liability coverage limits are:

  1. $30,000 for bodily injury liability, per person per accident.
  2. $60,000 of bodily injury liability total per accident.
  3. $25,000 of property damage liability, per accident.

You are also required to have uninsured motorist coverage. This helps pay for your own accident-related injuries when the collision occurred with an uninsured driver.

Driving Rules for Older Drivers

Starting at age 66, drivers must renew their licenses every five years instead of every eight.

Doctors, family members and law enforcement may report potentially unsafe drivers of any age to the Department of Motor Vehicles’ medical evaluation program. The DMV could revoke licenses, require periodic medical reports, or restrict licenses to such things as trips only to and from work or the doctor, or daylight driving only.

NOTE: North Carolina does not require you to have collision and comprehensive coverages. However, your finance company or bank will require you to purchase comprehensive and collision car insurance IF you are paying off a loan or are leasing your car.

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