Insurance requirement guides for North Carolina.
$50,000 / $100,000 / $50,000
Bodily injury per person / per accident / property damage, written 50/100/50
Set by S.L. 2023-133 am. S.L. 2024-29. Read off the statute on , and the figure every North Carolina guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
North Carolina has no state boat insurance mandate, but coastal marinas commonly require liability cover. Hurricane deductibles, Outer Banks inlet hazards, and the Intracoastal Waterway make NC boating insurance decisions more complex than most states.
North Carolina riders moved to 50/100/50 on 1 July 2025 alongside drivers, and because UM must match liability, their uninsured-motorist protection doubled automatically.
North Carolina jumped to 50/100/50 on 1 July 2025 and is now the only state requiring $50,000 in property damage — plus uninsured motorist cover you cannot reject.
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Every guide on this page covers a North Carolina requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each North Carolina guide on this site is checked against that same figure. The regulators linked above are where North Carolina publishes the rules, so they are the place to confirm anything before you rely on it.
