States
North Carolina minimum car insurance: 50/100/50
At least $50,000 per person, $100,000 per accident and $50,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
North Carolina minimum: 50/100/50 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$20,000
- Total damages: $155,000
- Injury paid by the policy: $100,000 (per-person cap reached)
- Property paid by the policy: $35,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
North Carolina made one of the largest recent moves in our table. Its Department of Insurance explains that minimum limits went from 30/60/25 to 50/100/50 for all new or renewed policies on or after July 1, 2025, and that underinsured motorist coverage is now included in those policies too. So the date on your policy decides which set applied to you, and older articles still quote the earlier numbers. The $50,000 property line is the highest we read, twice the $25,000 common elsewhere; on injury, the state now sits with Alaska, Maine and Virginia. A driver moving here from a 25/50/25 state has to raise all three lines. The state legislature's site refused our reader, so this page rests on the department's explanation and we did not read the statute itself.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in North Carolina
No state we read asks for more per person than North Carolina. A driver arriving with a 25/50 policy from elsewhere falls short here and has to raise the limits at once.
$50,000 is the most the policy pays for one injured person. $100,000 is the most it pays for everyone hurt in the crash. $50,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $50,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $100,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $50,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for North Carolina.
What else we read for North Carolina
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Underinsured motorist cover is included in new or renewed policies from July 1, 2025. | official text |
| Penalties | Not verified | None read |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.