Everyone’s policy had to change in July 2025. Most people never compared what it should cost afterwards.
50/100/50
The minimum since July 2025, up from 30/60/25, with underinsured motorist built in
8 yrs
How long the new-driver surcharge now runs. It used to be three
3
Licensed agents. One form. Two minutes.
If a declarations page still reads 30/60/25, that is an old policy. And for anyone first licensed on or after 1 July 2025, where that driver sits on the policy makes a real difference to the premium.
Step 1 of 4
Takes about two minutes. Agents in your area will have real quotes back to you, usually the same day.
Completely FREE. No obligation, and we never sell your details to anyone else.
When the state raises minimum limits, every policy gets rewritten. Most people saw the new number on the renewal and paid it without comparing, because there was nothing obvious to compare against. The July 2025 change also built underinsured motorist cover into the minimum, which is the part most worth understanding — it is what responds when the other driver carries too little to cover the damage.
The longer surcharge window matters too. A driver who would have come clean after three years now carries it for eight, and not every carrier prices that the same way.
Answer a few questions and licensed North Carolina agents come back with real quotes, not an online estimate that moves when you go to buy.