North Carolina Non Owner SR22 Insurance

North Carolina Non Owner SR22 Insurance – While North Carolina is currently not a state that requires SR22 insurance they still require all drivers to be insured. This means that if you don’t own a vehicle or if you do we can help you find cheap auto insurance in North Carolina. Keep in mind that the Department of Motor Vehicles will want to see proof of insurance before they renew or start a driver’s license for you.

Drivers without a car can still get affordable insurance but the policy will only cover liability since there is no specific car to insure. If you borrow a car from a friend make sure that they have insurance on the car that includes comprehensive and collision because it will not be covered by your non-owner policy.

North Carolina Auto Insurance Requirements

North Carolina like other states has a minimum level of liability insurance required to operate a vehicle. Whether you own a car or not the limits are the same. The best thing to do is ask an insurance agent what level of coverage is recommended. We are not licensed to give this type of advice but the companies we represent have professional agents ready to answer your questions.

Bodily Injury Per Person Bodily Injury Per Occurrence Property Damage
$30,000 $60,000 $25,000

The liability limits set by the state are by no means a recommendation of coverage but rather the minimum level accepted in the state of North Carolina. It may make sense to have higher liability limits in place but ask your insurance agent for their advice.

How much is non-owner auto insurance in North Carolina?

The great news is that auto insurance in North Carolina is going to be cheaper if you don’t own a vehicle. This is due to no insurance coverage for the car but only the liability portion of the policy. If you ever buy a car you can easily change the policy to include coverage for that car.