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Auto liability limits picker for North Carolina
See how North Carolina’s 50/100/50 minimum compares with limits sized to what you own, and whether an umbrella policy is worth a look.
Estimates only, not a quote. This tool gives a rough starting point based on the numbers you enter. It is not an offer of insurance, a premium quote or advice for your situation. Actual coverage, limits and pricing depend on the insurance company, underwriting and the options you choose.
Pick liability limits
Assets and income you could be asked to pay from: $350,000
| Limit | NC minimum | Suggested for you |
|---|---|---|
| Bodily injury per person / per accident | $50,000 / $100,000 | $250,000 / $500,000 |
| Property damage | $50,000 | $100,000 |
| Uninsured / underinsured motorist | Required in NC | Carry it at the same limits as your liability |
| Umbrella policy | Not required | Consider a $1M+ umbrella |
Shown in the usual shorthand: 50/100/50 means $50,000 per person, $100,000 per accident for bodily injury and $50,000 for property damage.
How the limits picker works
Liability coverage pays for injuries and damage you cause to others. The picker adds your home equity, non-retirement savings and two years of household income as a rough measure of what a lawsuit could reach, then suggests limits in tiers: 100/300/100 for most households, 250/500/100 as assets grow, and 250/500/250 with an umbrella for higher net worth.
North Carolina minimums in plain language
The state minimum of 50/100/50 means $50,000 for each injured person, $100,000 total per accident for injuries, and $50,000 for property damage such as another car. Many newer vehicles cost more than $50,000 to replace, and a multi-car crash on I-40 or I-540 can exceed those limits quickly.
Compare options on our auto insurance and umbrella insurance pages, or read how NC car insurance rates work.
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Send us a quick quote request and a Shadow Lake advisor will compare options from the insurance companies we represent.
FAQ
Calculator FAQ
What are the minimum auto liability limits in North Carolina?
North Carolina requires at least 50/100/50: $50,000 bodily injury per person, $100,000 bodily injury per accident and $50,000 property damage. Uninsured and underinsured motorist coverage is also part of a North Carolina auto policy.
Why carry more than the NC minimum?
A serious accident can cost far more than $50,000 per person once medical bills, lost wages and vehicle damage add up. If damages exceed your limits, your savings, home equity and future wages can be at risk.
When does an umbrella policy make sense?
Umbrella policies add a layer of liability coverage, often starting at $1 million, above your auto and home policies. They are worth considering if you own a home, have savings to protect or have a teen driver. Umbrella carriers usually require certain underlying auto limits, such as 250/500.
Is this calculator a quote?
No. It is an estimate only and not a quote or offer of coverage. Suggested limits are general starting points; your price and options depend on the insurance company and underwriting.