North Carolina Auto Insurance Policy Requirements

Q: What is in a basic North Carolina auto insurance policy?
A: These most common types of auto insurance coverage that can be added to your North Carolina auto insurance policy are the following: 

  1. Liability Coverage
    1. Liability is divided into two kinds because people and property are considered separately in the insurance industry:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is compulsory in North Carolina. All drivers must have valid driver’s licenses and auto insurance with the state’s minimum of liability coverage:
      1. 30/60/25” (North Carolina’s minimum auto insurance requirement)
      2. $30,000 for injury/death of one individual.
      3. $60,000 for injury/death to two or more individuals.
      4. $25,000 for property damage.
    3. These liability minimums do not apply to leased vehicles.
  2. Collision Coverage is a legal requirement for your North Carolina auto insurance policy if your vehicle is financed (not completely paid for). It is optional if the vehicle is not financed.
  3. Comprehensive Coverage is also a legal requirement only if the vehicle is financed. In the case that the vehicle is paid off, comprehensive is only optional for a North Carolina auto insurance policy.
  4. Medical Payments Coverage is a recommended but not mandatory option for a North Carolina auto insurance policy.
  5. Uninsured (and Underinsured) Motorist Coverage is also a wise addition to your policy, but it is not required for auto insurance policies in the state of North Carolina.
  6. Personal Injury Protection (PIP) Coverage is not required on auto insurance policies in North Carolina.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is North Carolina a No-Fault state?
A: No, North Carolina is not a no-fault state.

Q: How can I get a discount on a North Carolina auto insurance policy?
A: You may be able to keep down the costs of your North Carolina auto insurance policy with the several discounts that are available. See CLICKinsure’s list of auto insurance discounts for more information.

Q: Where can I find more information about North Carolina auto insurance?
A: To further look into the ins and outs of choosing auto insurance coverage in North Carolina, you could consult these reliable resources:


  1. North Carolina Insurance Resources
    1. The North Carolina Division of Motor Vehicles (DMV) manages all driver services, including providing drivers with information on North Carolina liability insurance.
    2. The North Carolina Department of Insurance (DOI) serves the people of North Carolina by regulating the insurance industry, giving licenses to insurance professionals, and ensuring the education of consumers about several kinds of insurance, including automobile insurance.
  2. National Insurance Resources

CLICKinsure offers attention to the auto insurance needs of residents of North Carolina, one of the fastest growing states in America. Located along the Atlantic Seabord, its beaches are just a fraction of its beauties, and from the Great Smoky Mountains to the foothills of the Appalachians, CLICKinsure can assist you in navigating the twisting and turning details of auto insurance plans. Whether you live in Charlotte, Raleigh, Greensboro, Winston-Salem, Fayetteville, Durham, Asheville, Gastonia, Monroe, Wilmington, or a small town like Shallotte, choose CLICKinsure as your trusted broker.