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

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Car Insurance Requirements for a NC Drivers License

Yes, proof of car insurance is required when applying for a driver license. You can show this via an original liability insurance policy, an insurance card, or by completing Form DL-123.

Whichever means of proof you choose, it must contain the following:

  • Your name.
  • The effective date of your policy.
  • The policy's expiration date.
  • The date the policy was issued.
Keep in mind that your insurance provider must be licensed in North Carolina.

Auto Insurance Coverage Requirements

To comply with the state's insurance laws, you must carry the following minimum amounts of coverage:

  • $30,000 for bodily injury for one person.
  • $60,000 for bodily injury for two or more people.
  • $25,000 for property damage.
If you allow your insurance to lapse, you'll be assessed the following fines:

  • First civil penalty: $50
  • Second civil penalty: $100
  • Third civil penalty: $150
Your insurance provider is required, by law, to immediately notify the DMV when a lapse occurs.

Shopping for NC Car Insurance

If you're in the market for car insurance, take the time to compare insurance quotes from a variety of providers. You'll find that carriers have different insurance rates for different vehicle situations. The more you shop around online, the better your chances of finding an insurance package that best fits your budget.

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