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Non Owner Insurance
Non Owner Insurance for North Carolina Drivers
Non owner insurance may be required for North Carolina drivers to obtain for the the following:
- Acquire a North Carolina drivers license
- New NC residents who want to obtain a license
- To reinstate a suspended North Carolina license
- Our agents can help you obtain non owners insurance coverage today.
NC Minimum Automobile Insurance Requirements
For North Carolina auto policies issued or renewed on or after July 1, 2025, the minimum liability limits are 50/100/50:
- Bodily Injury: $50,000 per person
- Bodily Injury: $100,000 per accident
- Property Damage: $50,000 per accident
Uninsured and underinsured motorist coverage are also required. If NCDMV has asked you for proof of insurance, bring the notice with you. A DL-123 is the form NCDMV uses as proof of liability insurance, and we can help with the insurance side of that request.
NC Department of Insurance: auto coverage changes effective July 1, 2025
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