Insurance Requirements for Car Registration in North Carolina

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The North Carolina Department of Transportation requires that all drivers in North Carolina carry automotive liability insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for North Carolina drivers are as follows:

  • A minimum of $30,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

  • A minimum of $30,000 per person, for uninsured or under-insured motorist coverage. This means you’ll need to carry a minimum of $60,000 to cover the lowest possible number of people involved in an accident (the two drivers).

This means that the total minimum amount of financial responsibility you will need is $145,000 to cover bodily injury, property damage, and uninsured or under-insured motorist coverage.

Proof of insurance

You must be able to provide proof of insurance when you register a vehicle, and when asked by a police officer at a traffic stop or at the scene of an accident. Acceptable forms of proof of insurance include:

  • Your insurance policy binder

  • An insurance card issued by an authorized insurance provider

  • Your insurance policy

  • A DL-123 form issued by an authorized insurance agent, certifying your insurance policy

Additionally, you may be required to file an FS-1 Proof of Insurance document if you have been suspected of letting your car insurance lapse. This document acts as proof that you did not allow your car insurance to lapse, and is submitted by an investigating insurance agent, who acts as a representative of the state.

Safe Driver Incentive Plan (SDIP)

In order to promote safe driving habits, the state of North Carolina operates the Safe Driver Incentive Plan, which can lower the cost of insurance for safe drivers, and increase the cost of insurance for unsafe drivers.

Violation penalties

If your insurance lapses for any reason while you are registered in the state of North Carolina, you will incur these penalties:

  • $50 fine for the first instance

  • $100 fine for the second instance within three years

  • $150 fine for future instances within three years

  • The license plates of the vehicle may be suspended or revoked

Reinstating driving privileges

If your license plates are suspended due to an insurance violation, you will be able to reinstate them after the 30-day suspension period by following these steps:

  • Pay the license plate fee

  • Pay the fees associated with the insurance violation

  • Submit an FS-1 Proof of Insurance document through your insurance agent

Canceling your insurance

If you need to cancel your insurance while your vehicle is in storage or being worked on, you must surrender your license plates to the North Carolina Department of Transportation before you cancel the insurance policy. If you cancel the insurance policy first, you will incur an insurance violation fine.

For more information, contact the North Carolina Department of Transportation through the MyDMV website.


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Theodore

14 years of experience
1091 reviews
Theodore
14 years of experience
Dodge Grand Caravan - Brake Pads Replacement (Front) - Bellevue, Washington
Second time using Theodore to service my van. He's always professional and detail oriented. He takes extra effort in tracking down issues and explains things well. Very customer oriented. Highly recommend.

Tung

14 years of experience
284 reviews
Tung
14 years of experience
Ram 1500 - Brake Pads Replacement (Front) - Marietta, Georgia
Tung showed up on time and was very friendly. Changed my brake pads in about 30 minutes and gave me recommendations on when to change the rear pads. Will ask for him by name next time.

Victor

33 years of experience
105 reviews
Victor
33 years of experience
Chrysler Grand Voyager - Brake Pads Replacement (Front) - Albuquerque, New Mexico
Have used Victor multiple times now for work on my vehicle. He is prompt, courteous, knowledgeable, and dependable. I never have to worry about a thing as Victor makes sure work is performed quickly, efficiently and and correctly.

Chuck

8 years of experience
120 reviews
Chuck
8 years of experience
Honda Odyssey - Brake Pads Replacement (Front) - Coppell, Texas
Had an appointment for replacing Front Brake Pads today. Chuck did a great job and completed the task before the schedule. I will surely refer yourmechanic to my friends as well. Happy Thanksgiving Chuck. Thanks again for your great service.

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