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North Carolina Auto Insurance 
In North Carolina you're financially responsible for the damage and injury you cause in an automobile accident. Liability protection insures you for these potential expenses, and is compulsory in North Carolina.
North Carolina minimum liability limits; $30,000 per person for injuries you cause to the other parties, $60,000 total per accident, and $25,000 for damage you cause to the other party's property. Non mandatory options (plan add ons) include medical payments, blanket umbrella, collision, comprehensive coverage. In North Carolina, 8 percent of all drivers are uninsured, so also consider uninsured (UI) and underinsured motorist (UIM) coverage.
If you are convicted of DUI in North Carolina (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to get car insurance through the North Carolina Automobile Assigned Risk Plan. It was created in 1947 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| North Carolina |
$30,000 |
$60,000 |
$25,000 |
$0 |
$0 |
Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Your insurer must also submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.
The penalty for driving without insurance in North Carolina is a 60-day registration suspension.
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