North Carolina's minimum auto insurance liability limits are $50,000 of bodily injury coverage per person, $100,000 per accident and $50,000 of property damage, known as 50/100/50, for policies written or renewed on or after July 1, 2025. Underinsured motorist coverage is now included in every new or renewed policy, and the insurer must be licensed in North Carolina.
Pick your town or county and your coverage to see the typical yearly car insurance premium our own clients pay, from the personal auto policies we write and service.
Coverage| Vehicles on the policy | Typical yearly premium |
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Typical means the median. Six-month policies are doubled to a full year. Source: Sizemore Insurance clients' in-force personal auto policies as of October 10, 2026, not a survey or national average (how we got these numbers). Not a quote; your price depends on your drivers, your vehicles and the coverage you choose.
Before July 1, 2025, the minimum was 30/60/25: $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage. The new law raised it to 50/100/50 for policies written or renewed on or after that date. If your policy renewed after July 1, 2025, it was raised automatically, which is one reason many renewals cost more.
50/100/50 is shorthand. The first number is the most the policy pays for injuries to one person, the second is the most for all injuries in one accident, and the third is the most for damage to other people's property, such as their car.
Every new or renewed policy now includes underinsured motorist coverage. It pays you when the driver who hits you doesn't carry enough insurance to cover your injuries. The 2025 changes also base it on your total damages and let you combine the highest limit available under each policy that applies.
NCDMV requires the coverage to come from a company licensed to do business in North Carolina, and it does not accept out-of-state policies. NCDMV also warns owners not to cancel their insurance until they've turned in the license plate, because a gap triggers penalties.
The minimum keeps you legal. It doesn't always keep you whole. If you cause a serious crash, $50,000 per person can be used up quickly by medical bills, and anything above your limit can become your problem personally. Families with a home, savings or wages to protect usually carry higher limits, often with an umbrella on top. Collision and comprehensive, which repair your own car, aren't required by the state but are usually required by a lender.
We compare several companies for the same drivers and cars, because each prices a ticket, a teen driver or a new car differently. Our offices from Wilmington to Charlotte write auto policies across North Carolina.
Every situation is a little different. If you want someone to look at your own policy, call us at (910) 791-1011 or start a quote online. We're an independent, family-owned company founded in 1977, with eight offices in North Carolina, and we're licensed in North Carolina, South Carolina, Virginia and Maryland.
This page is general information, not a coverage determination or legal advice. Policies, rules and availability vary and change. Review your own policy or talk to your advisor.