North Carolina Auto Insurance regulations:

North Carolina is a tort state, this means drivers are finacially responsible for the damage and injury they may cause during an auto accident.

The state's standard liability coverage requirements are 30/60/25. That is $30,000 per individual for bodily injuries you cause to the other persons, and up to $60,000 for all, and $25,000 for damage you cause to the other party's personal property. Overall Rates are determined by the driving habits of the drivers within a state. North Carolina determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.