What is the Least Car Insurance Required in North Carolina?

Car Insurance Coverage in North Carolina

When driving in North Carolina it’s crucial to be aware of the state’s car insurance requirements. At Adams & Brown Insurance Agency we are dedicated to assisting you in understanding your responsibilities while ensuring you receive coverage. Here is a helpful guide to help you navigate the basics.

Overview of the Minimum Requirements in North Carolina

Liability Coverage

North Carolina mandates a level of liability coverage that covers damage or injuries to others if you are found at fault in an accident.

The minimum amounts required are:

  • Bodily Injury: $30,000 per person and $60,000 per accident
  • Property Damage: $25,000 per accident

Uninsured/Underinsured Motorist Coverage

This provides protection in case you get into an accident with an underinsured driver. The minimum required amounts are:

  • Uninsured Motorist (UM): as liability coverage limits (30/60/25)
  • Underinsured Motorist (UIM): Required only if you have more than the minimum liability coverage.

Implications of Having Minimum Coverage

  • Adhering to these requirements ensures that you have permission to drive. However, it’s crucial to understand that having the coverage may leave gaps in your protection.
  • If the damage goes beyond your coverage limits, you might have to dig into your pocket. Driving uninsured could result in consequences such as fines, a suspended license. Even having your vehicle impounded.

Let Adams & Brown Help You Choose the Right Coverage

Here at the Adams & Brown Insurance Agency we believe that all drivers should have insurance that strikes a balance between meeting state regulations and providing coverage. Our agents are dedicated to understanding your requirements and guiding you towards an auto insurance plan that not satisfies legal mandates but also offers peace of mind.

Maintaining Comprehensive Coverage

While meeting the minimum requirements set by the state is crucial you can enhance your protection by;

  • Tailoring Policies: Customize your coverage to suit your needs for added security.
  • Leveraging Discounts: Save money by bundling auto insurance with home or renters insurance.
  • Regular Reviews: Collaborate with our agents to ensure that your policy remains relevant to changes in your life circumstances.

Get a Quote Today

Are you ready to secure an auto insurance policy? Reach out to us at Adams & Brown Insurance Agency today for a quote on auto insurance in Asheville, NC, or surrounding areas. We’re committed to helping you find auto insurance in Arden, NC that aligns with your requirements. Contact Adams & Brown Insurance Agency at (828) 681-0790 or request a quote here today to discuss your car insurance needs and find the coverage that’s right for you.


Consumer Guide, to Car Insurance. North Carolina Department of Insurance

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