North Carolina Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

  • $30,000 per person injured in any one accident and $60,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $25,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

  • Uninsured Motorist (UM) Coverage. If purchased, this coverage cannot be less than the amount of bodily injury coverage purchased, nor can it exceed $1 million.
  • Underinsured Motorist (UIM) Coverage. This coverage is only offered to those who purchase more than the required minimum amount of bodily injury liability coverage and who buy UM coverage. UIM coverage cannot be less than the required bodily injury liability coverage, nor can it exceed $1 million.

Need more information on state laws? Learn more about the laws where you live.

Note: Our attorneys are licensed to practice law in Pennsylvania, West Virginia, Ohio, Maryland, and Virginia. This information is not intended to solicit clients for matters outside of the states of Pennsylvania, Ohio, West Virginia, Maryland, and Virginia, although if you are injured in an accident, we have relationships with other personal injury attorneys and lawyers throughout the United States.

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