The following coverage is required by the state of North Carolina to legally operate a motor vehicle:

  • Bodily injury liability coverage: Minimum legal requirement $30,000 per person and $60,000 per accident
  • Property damage liability coverage: Minimum legal requirement $25,000
  • Uninsured motorist bodily injury: Minimum legal requirement $30,000 per person and $60,000 per accident
  • Uninsured motorist property damage: Minimum legal requirement $25,000
  • Underinsured motorist bodily injury (optional): Usually starting at $30,000 per person and $60,000 per accident