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North Carolina Minimum Car Insurance (50/100/50)

Use the calculator to see how North Carolina's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: North Carolina requires $50,000 bodily injury per person / $100,000 bodily injury per accident / $50,000 property damage. This page prefills the calculator for North Carolina and cites the official source.

Reviewed November 7, 2026

What North Carolina requires

North Carolina raised its minimum auto liability limits to $50,000 per person, $100,000 per accident, and $50,000 for property damage for policies that are new or renewed on or after July 1, 2025. The Department of Insurance also states that underinsured-motorist coverage is included on those policies. North Carolina remains a contributory-negligence state, which can wipe out a claim if the injured person is found even slightly at fault.

Underinsured-motorist coverage is included on policies that are new or renewed on or after July 1, 2025, according to the North Carolina Department of Insurance.

A common way to write split limits is 50/100/50. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

See also North Carolina contributory negligence.

Official source

North Carolina Department of Insurance, Automobile insurance changes effective July 1, 2025. NCDOI pages on the July 1, 2025 automobile changes and the July 22, 2026 consumer blog. Policies new or renewed on or after July 1, 2025, must meet 50/100/50 (previously 30/60/25). Ignore any stale Spanish-language DOI page that still lists 30/60/25.

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in North Carolina, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in North Carolina?

The primary source cited on this page states that North Carolina requires $50,000 bodily injury per person / $100,000 bodily injury per accident / $50,000 property damage. In addition, Underinsured-motorist coverage is included on policies that are new or renewed on or after July 1, 2025, according to the North Carolina Department of Insurance.. Always read the official source because statutes and department guidance can change.

Does North Carolina's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts North Carolina's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in North Carolina?

The sources we opened for the liability limits did not state that UM is a mandatory statewide coverage in the same way liability is. Offer-and-rejection rules vary; read the official source. Underinsured-motorist coverage is included on policies that are new or renewed on or after July 1, 2025, according to the North Carolina Department of Insurance.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This North Carolina page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.