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In North Carolina, the minimum car insurance is 50/100/50: $50,000 per person and $100,000 per crash for injuries you cause, plus $50,000 for property damage. Required coverage: BI & PD Liability, UM, UIM. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
For new or renewed policies on or after July 1, 2025 (NC Department of Insurance).
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: North Carolina Dept. of Insurance. Confirmed against the official source 2026-10-12. Confirm with North Carolina's DMV or insurance department.
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50/100/50 (BI & PD Liability, UM, UIM): $50,000 per person and $100,000 per crash for injuries you cause, plus $50,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.