Do I need auto insurance to apply for a NC drivers license? North Carolina

Yes, you do. North Carolina now requires new drivers license applicants to show proof of liability insurance. If you have no car insurance, your license will have a restriction on it stating you can only drive “fleet vehicles.”  Fleet vehicles are essentially company cars, or cars that belong to an institution or business.

Car Insurance Liability Requirements

Your car insurance must meet these minimums:

  • $30,000 for bodily injury for one person
  • $60,000 bodily injury for two or more people
  • $25,000 property damage.

You can get more coverage; in fact, if you own assets, it would be a wise thing to do so your assets don’t get taken away in the event of an accident. Talk to your insurance agent to get the right coverage for your situation.

You must buy auto insurance from an insurance company licensed in NC. If you don’t own a car but will be driving a vehicle regularly, for instance a spouse’s car, then you must be added to the insurance policy before you get a driver license.

Showing Proof of Insurance--Auto Insurance

At the DMV, you can show:

  • Your insurance card, which should list the expiration date.
  • Your insurance binder or certificate, which is valid for 30 days from issuance.
  • Form DL-123, valid for 30 days from issuance.

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