If your home is in Raleigh, Asheville or anywhere in between, SafeAuto wants to help you find the cheapest car insurance in your area. While SafeAuto does not currently offer direct coverage in North Carolina, we can still help you get a cheap quote on the insurance coverage you need.

Required Coverages

North Carolina’s Financial Responsibility law requires you to maintain liability limits of at least

  • $30,000 because of bodily injury to or death of one person in any one accident
  • $60,000 because of bodily injury to or death of two or more persons in any one accident, subject to the $30,000 per person limit
  • $25,000 because of injury to or destruction of property of others in an accident
Such coverage is often written as 30/60/25 or 30,000/60,000/25,000

Proof of Financial Responsibility & Penalties

Under North Carolina law, you are required to provide documentary proof of Financial Responsibility when registering your vehicle or at the request of law enforcement officials.

Insurance companies are required to notify the North Carolina Department of Insurance whenever a policy is terminated.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh, including suspension and surrender of your driver’s license.  

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.


Related Links:

North Carolina Division of Motor Vehicles

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at CSD@safeauto.com.