As of July 1, 2025, all drivers with vehicles registered in the state are subject to new minimum liability insurance requirements. Make sure your policy meets the new requirements, both to protect yourself if you cause a crash and to avoid trouble with the law.
North Carolina Auto Insurance Increase in 2025
North Carolina law requires all drivers to carry liability insurance. This coverage pays for injuries or property damage the driver or anyone under their policy causes in a collision. Under the old North Carolina auto insurance laws, the minimum coverage amounts were:
- $30,000 for injuries to one person in an accident
- $60,000 in total bodily injury coverage per accident
- $25,000 in property damage coverage
Starting July 1, 2025, the new auto insurance requirements in North Carolina are:
- $50,000 for injuries to one person in an accident
- $100,000 in total bodily injury coverage per accident
- $50,000 in property damage coverage
Failing to have the minimum required liability coverage is a crime in North Carolina. Moreover, it can also leave you financially vulnerable if a crash happens. Review your auto insurance policy to make sure you meet the new legal requirements and have enough financial protection.
What Do These Changes Mean for North Carolina Drivers?
These new liability insurance requirements have costs and benefits for North Carolina drivers. On the one hand, higher minimum requirements mean many drivers’ premiums will likely increase. New drivers or those with a history of crashes are especially likely to see their premiums rise. On the other hand, more insurance coverage for everyone could mean that drivers have an easier time recovering the money they need after a collision.
Let’s look at the effects of the North Carolina auto insurance increase for specific types of accidents:
- Insured accidents – While drivers with insurance could see their premiums rise to reflect the new, higher minimum coverage amounts, the general legal process after a collision should remain the same. Higher minimums could make the claim process faster, as injured parties have more coverage to pay for their medical bills, lost income, property damage, and other losses.
- Uninsured accidents – The new minimum liability insurance requirements should also benefit drivers involved in crashes with uninsured motorists. North Carolina law requires drivers to purchase uninsured motorist coverage, which must meet the state’s minimum liability requirements. Therefore, those injured in accidents caused by uninsured drivers should have more coverage to pay for their medical bills, lost income, vehicle repairs, and other losses.
Contact Stewart Law Offices for Your Car Accident Claim Needs
While North Carolina’s insurance requirements have changed, the surrounding legal landscape has not. Insurance companies still protect their profits above all else, and careless drivers rarely admit they caused a crash. The North Carolina car accident lawyers at Stewart Law Offices are here to protect your rights and demand fair compensation for what you’ve suffered. You don’t owe us any fees unless you win, so there’s no risk in contacting us now for a free consultation.
