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North Carolina Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in North Carolina. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in North Carolina.

NC Auto Insurance Laws and Regulations:

Consumer Services Div. / North Carolina Dept. of Insurance
1201 Mail Service Center
Raleigh, NC 27699

Minimum Car Insurance Coverage in NC:

$30,000 for injury/death to one person

$60,000 for injury to more than one person

$25,000 for damage to property

NC Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


NC Uninsured Penalties:

Because each auto insurance company is required to inform the DMV of all policy terminations, the DMV will know you no longer carry the required auto insurance and you will be fined to reclaim your license plate.

if your coverage lapses, you'll receive a notice (Form FS 5-7) from DMV and you must respond within 10 days. If your coverage has lapsed, you will have to recertify and pay $50 within 10 days of the date of the notice. If there was no break in coverage, simply enter the correct information on the form and return it to the DMV within 10 days. - If you fail to reply within 10 days, you can lose your license plate for 30 days. When this happens, in order to get your plates back you will have to relicense by paying a penalty fee, a processing fee, and another license plate fee.

In order to re-license after 30 days, you must provide proof of insurance coverage Form FS-1 (which you can obtain from your insurance agent), $50.00 restoration fee, $50.00 service fee (if a plate pick up order is issued) and the appropriate license plate fee.

If you are found driving or in are involved in an accident without insurance the penalties can be harsher, including the suspension of your driver's license and 3 points on your driving record. For more information on the penalties you can read through the NC General Statutes Chapter 20, Article 9A, the Motor Vehicle Safety and Financial Responsibility Act.


NC Department of Insurance Contact Information:

1-919-733-2032 or
Toll Free: 1-800-546-5664

NC State Insurance Department Website:





Directory of North Carolina Auto Insurance Agents by County

Alamance
Alexander
Alleghany
Anson
Ashe
Avery
Beaufort
Bertie
Bladen
Brunswick
Buncombe
Burke
Cabarrus
Caldwell
Camden
Carteret
Caswell
Catawba
Chatham
Cherokee
Chowan
Clay
Cleveland
Columbus
Craven
Cumberland
Currituck
Dare
Davidson
Davie
Duplin
Durham
Edgecombe
Forsyth
Franklin
Gaston
Gates
Graham
Granville
Greene
Guilford
Halifax
Harnett
Haywood
Henderson
Hertford
Hoke
Iredell
Jackson
Johnston
Jones
Lee
Lenoir
Lincoln
Macon
Madison
Martin
Mcdowell
Mecklenburg
Mitchell
Montgomery
Moore
Nash
New Hanover
Northampton
Onslow
Orange
Pamlico
Pasquotank
Pender
Perquimans
Person
Pitt
Polk
Randolph
Richmond
Robeson
Rockingham
Rowan
Rutherford
Sampson
Scotland
Stanly
Stokes
Surry
Swain
Transylvania
Tyrrell
Union
Vance
Wake
Warren
Washington
Watauga
Wayne
Wilkes
Wilson
Yadkin
Yancey

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