From Murphy to Manteo, any North Carolina resident can tell you how much they love their
great state. And as different as the cities and regions of North Carolina are, so are the
types of NC car insurance requirements you should be familiar with.
In North Carolina, you are required to carry $30,000 for personal injury for a single person
and $60,000 for two or more people that may be involved in an accident and sustain
injuries or death.
Uninsured motorist coverage is always a tricky one. This type of coverage pays out for
damages caused when an insured is injured by another driver who does not have the legally
required insurance coverage – or if you are injured by a hit and run driver. While uninsured
motorist coverage is not mandatory, it is something you should consider absolutely
When it comes to property damage, the minimum amount of coverage required is $60,000.
This includes vehicle damage, or damage to personal property resulting from an accident.
When calculating your rates, your car insurance company will look at your age, driving
history, amount owed on your car, as well as the amount and types of protection you need.
Make sure to have a good dialogue with your agent or company – they can help you come
up with just the right type of coverage at a price you can afford.