North Carolina
NCNorth Carolina Insurance Agency
Carolinas Coverage Insurance Agency is based in Charlotte and helps North Carolina applicants review auto, home, renters, pet, business and life insurance. North Carolina rules are not the same as South Carolina rules.
Request an NC quote →North Carolina auto liability minimums
For new or renewed policies effective on or after July 1, 2025, the NC Department of Insurance states minimum auto liability limits of 50/100/50. Verify the current rule and effective date before relying on this figure.
DL-123 and license transactions
A DL-123 is one form North Carolina may accept as proof of liability insurance for certain driver-license transactions. Confirm with NCDMV and the insurer which proof applies. This is a North Carolina topic; do not mix it with South Carolina road-test rules.
Workers’ compensation in North Carolina
North Carolina generally requires workers’ compensation for businesses with three or more employees, subject to statutory exceptions and classification questions.
FAQ
Questions people ask
What are North Carolina's current minimum auto liability limits? +
For new or renewed policies effective on or after July 1, 2025, the NC Department of Insurance states 50/100/50. Verify the effective date and current rule before relying on this figure.
What is a DL-123? +
A DL-123 is one form North Carolina accepts as proof of liability insurance for certain driver-license transactions. Ask the agency and NCDMV which proof applies to your situation.
When is workers' compensation generally required in North Carolina? +
North Carolina generally requires it for businesses with three or more employees, subject to statutory exceptions and classification questions.
Carolinas Coverage Insurance Agency
410 Westinghouse Blvd, Suite B
Charlotte, NC 28273
North Carolina and South Carolina. Spanish and English contact paths.