When you buy a car in North Carolina, getting it registered is a key step before hitting the road. But do you need insurance to register your car in North Carolina? The answer is yes—North Carolina requires proof of auto insurance to complete the registration process. This blog will cover the insurance requirements, why they’re essential, and what to expect at the North Carolina Division of Motor Vehicles (NCDMV).
North Carolina requires all registered vehicles to have liability insurance coverage. This coverage must be obtained from an insurer licensed to operate in the state. Liability insurance protects you financially if you’re at fault in an accident, covering the costs associated with property damage and bodily injury to others.
To register a vehicle in North Carolina, your insurance must meet the state’s minimum coverage limits:
In addition, North Carolina law mandates uninsured motorist coverage. This coverage helps protect you if you’re in an accident with a driver who doesn’t have insurance.
Registering your car with the NCDMV requires a few documents, including proof of insurance. Here’s what you need to complete the process:
After submitting these documents and paying the fees, the NCDMV will issue your license plates and registration.
North Carolina mandates insurance for all registered vehicles to protect drivers and ensure that any damages from accidents can be covered. The state's “continuous coverage” law also means you must keep insurance on any registered vehicle at all times.
Penalties for Lapses: If your insurance lapses, the NCDMV can suspend your vehicle’s registration, issue fines, or even revoke your driver’s license. Your insurance company will notify the NCDMV if your policy is canceled, so it’s crucial to maintain coverage consistently.
No, North Carolina does not allow car registration without insurance. You must show proof of insurance when registering.
You have 30 days to register your vehicle after establishing residency. During this time, you’ll also need to get North Carolina car insurance to meet state requirements.
If your insurance lapses, the NCDMV will send a termination notification. You have 10 days to respond and restore coverage to avoid penalties, fines, or suspension of your registration.
Maintaining your insurance coverage not only meets the requirements for registration but also helps protect you financially in the event of an accident. To ensure uninterrupted coverage:
In North Carolina, proof of insurance is a critical step in the vehicle registration process. By securing the required liability insurance coverage, you’ll be able to register your car smoothly and legally. If you’re new to the state or purchasing a new vehicle, reach out to an insurance provider to set up a policy that meets North Carolina’s requirements.
Ready to get started with North Carolina car insurance? Contact us today to get a quote and ensure your vehicle is covered!