Auto Insurance Minimums for North Carolina

In most states, proof of auto insurance is mandatory. In North Carolina, motorists must present the Department of Motor Vehicles with their auto insurance policy number and the name of the company that is providing coverage.

Like most states, North Carolina requires that motorists maintain liability insurance in the minimum amount of $30,000, while bodily injury coverage in required in the amount of $60,000. Property Damage is $25,000.These rates apply to each registered vehicle under the name of the driver.

If you are unable to provide proof of insurance, you may have your license suspended for 30 days by the state of North Carolina. Once the suspension is served, the cited driver must show proof of coverage and pay fines that could add up to more than $200. You can avoid these pesky fines by getting a free auto insurance quote online from one of the many top companies in the United States. Here at Save Today, we’ve made the process as easy as possible.

North Carolina DUI Law

It is a crime to drive under the influence in North Carolina. If you have a blood alcohol content limit (BAC) of 0.08% or more, you can be arrested and face fines, license suspension and even serve time in jail. If you are under the age of 21, you will be convicted of a DUI if you are driving with a BAC of 0.04% or more. Commercial drivers must also not exceed 0.04%. If you are caught driving with a BAC of 0.15% or more, you may receive extra penalties.

To curb drunk driving, North Carolina follows the “implied consent law,” which states that any time you drive on roads in North Carolina, you are agreeing to submit to a chemical test. To refuse a test when an officer asks you to take one will result in a 30 day license suspension.

A DUI conviction in North Carolina can cost you up to $2,000 in fines. In addition, your license may be suspended for up to a year, and you may spend up to two years in prison. Penalties for multiple offenses are even more severe.

North Carolina Teen Driving Laws/Auto Insurance Requirements

Teens in North Carolina begin driving at a young age. In fact, the age for those seeking licenses is younger in North Carolina than most of the country. However, while North Carolina teens start driving earlier, they also have some of the longest holding periods on their learner’s licenses in the U.S. The state of North Carolina follows the Graduated Driver Licensing (GDL) program.

Requirements for the North Carolina GDL include three levels: a limited learner permit, a limited provisional license, and a full provisional license.

Teens 15 and older may complete an approved driver education course in order to receive a limited learner permit. They must also pass a written test and provide proof of residency in the state. To receive a limited provisional license, teens must have had their learner permit for at least 12 months, have kept a clean driving record, and be free of any convictions. In order to receive a full provisional license, teens in North Carolina must complete steps one and two, and maintain a clean driving record.

Underage drinking and driving is considered a serious offense in North Carolina, and it is punishable with license suspension until the teen turns 21.
All drivers in North Carolina must carry the minimum amount of insurance required by the state. This includes teens. Because teens are more likely to be involved in accidents than other age groups, they are advised to carry more than the minimum amount of coverage.