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North Carolina Car Insurance Quotes


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North Carolina, on the eastern coast of the United States, has traditionally relied on the tobacco and furniture industries for the majority of its income. In recent years, the state has become more dependent on industries like biotechnology and engineering. The mild temperatures and booming technology industries have made North Carolina one of the fastest growing population centers in the US during recent years.

If you are planning to move to North Carolina, it is important to understand the car insurance requirements before you become a resident. Current North Carolina residents can also benefit. Knowing how much insurance you must carry gives you a starting point to determine what additional insurance you may need. Then you can compare rates through an online car insurance quote.

Minimum Car Insurance Requirements in North Carolina

Required Minimum Bodily Injury Coverage

  • $30,000 per person injured in any one accident
  • $60,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

  • $25,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

Uninsured Motorist (UM) Coverage

  • Cannot be less than the amount of bodily injury coverage purchased
  • Cannot exceed $1 million

Underinsured Motorist (UIM) Coverage

  • Cannot be less than the required bodily injury liability coverage
  • Cannot exceed $1 million

To find out how much you would pay for car insurance in North Carolina, enter your zip code into the field on this page to request direct quotes from several different car insurance companies.


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Transferring a Driver's License and Vehicle Registration in North Carolina

New residents in the state must transfer driver's licenses and vehicle registrations to North Carolina before they can drive legally in the state. You must transfer your out-of-state driver's license before you can transfer the registration on your vehicle.

Grace Period for License Transfers

North Carolina allows new residents up to 60 days to transfer their driver's license. The state will not issue a new driver's license to anyone who has lived in North Carolina for fewer than 12 months until the Department of Motor Vehicles completes a search of the National Sex Offender Public Registry. You must be at least 15 years old to apply for a North Carolina driver's license, regardless of your licensing status in your previous state. Military employees and other non-permanent residents do not need to obtain North Carolina driver's licenses while they live and work in the state.

Proof of Residency and Identity Documentation

Before you can receive a North Carolina driver's license, you must provide the appropriate proof that you are a current resident of the state. The motor vehicle department will accept official documentation that includes your legal name and your North Carolina address. Examples include utility bills or paycheck stubs. You must also provide proof that you are a legal resident of the United States, such as a valid passport, social security card or naturalization documentation. Your valid out-of-state driver's license with a photo ID serves as proof of age and identity. A secondary proof of identity can be an official birth, marriage or divorce certificate. Your full name must be exactly the same on both forms of identification.

Special Licensing for Drivers Under 18

Drivers under the age of 18 receive provisional driver's licenses. To receive your provisional license, you must present proof that you have completed at least 30 classroom hours and 6 behind the wheel hours of driving school. While you hold a provisional license, your driving habits may be studied more closely by the DMV, especially regarding traffic accidents or citations. Underage drivers caught driving with any level of alcohol or drugs in their system will have their licenses revoked immediately. A parent or legal guardian must sign for a minor to receive a driver's license.

Temporary License Certificate

Due to the new digital driver's licenses issued in North Carolina, it will take a few days after the license issue date to receive your new license through the mail. You will receive a temporary license certificate that you can use until your permanent license is delivered. You can complete all of the paperwork and have your photo taken at a local DMV office, but your information will go to Raleigh for completion of your permanent license.

Identification Requirements for Vehicle Transfers

North Carolina requires that all vehicle owners provide a valid North Carolina driver's license before they can receive a title transfer. Temporary license certificates are also valid during the first 20 days after the certificate was issued. If more than one person owns the vehicle, you will need to present a valid photo ID or North Carolina driver's license for everyone listed as an owner on the title. Everyone listed on the title must sign the transfer documentation before the transfer becomes valid.

Necessary Documentation

You must present the out-of-state title with the current owner's names listed as proof of ownership. You must also complete form MVR-1, which is a title application, and sign it in the presence of a notary. Form MVR-615, which is a declaration of eligible risk, is required for all registered vehicles. Odometer statements are required for vehicles that are less than 10 years old. The DMV will issue North Carolina plates to new residents without proof of a successful vehicle inspection, but the plates cannot be renewed without completing an inspection within a year of receiving the original plates.

Registering Vehicles with Out-of-State Liens

Vehicles held by an out-of-state lien require the same forms MVR-1 and MVR-615. They must be completed and signed in the presence of a notary. In addition, the owner must present a valid proof of registration that displays the owner's full name. The owner must send the provided form MVR-57 to the lien holder. When the lien holder completes the form, the title will be released to the North Carolina DMV and the owner will receive a current North Carolina registration. All vehicles that are less than 10 years old must have the odometer reading stated in the registration transfer paperwork.

Fees for Title Transfers

Registration fees for private passenger vehicles include a $40 title fee and a $28 registration fee. Owners of trucks that are less than 4,000 pounds pay a $28 registration fee as well. In addition to these charges, you will be required to pay a $15 transfer of plate fee and a 3% Highway Use Tax. The Highway Use Tax is determined based on the value of your vehicle. There is no maximum limit for the tax rate for passenger vehicles, but commercial vehicles have a maximum cutoff of $1,000. In some counties, an additional $5 regional tax applies in addition to the other transfer fees.

Insurance Requirements

You must provide proof that you have the minimum legally required car insurance before your vehicle could receive North Carolina plates. You can either present your insurance company name and policy number yourself, or obtain a Certificate of Insurance from an insurance company licensed in the state of North Carolina. The law requires your insurance company to notify the DMV if you cancel coverage at any time, regardless of the reason. If you change insurance carriers, be sure to notify the DMV as soon as possible after the switch.

Car Insurance in North Carolina


Ashville Car Insurance
Cary Car Insurance
Durham Car Insurance
Charlotte Car Insurance
Fayateville Car Insurance
Greensboro Car Insurance
High Point Car Insurance
Raleigh Car Insurance
Wilmington Car Insurance
Winston Salem Car Insurance