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Insurance Requirements
The state of North Carolina began registering vehicles for the first time on July 1, 1909. Since that
time, the North Carolina highway system has become the largest state-maintained road system in the
nation. During the same period, the number of uninsured vehicles grew so rapidly that in 1957 North
Carolina became one of the first states to adopt a compulsory insurance law.
A license plate must be surrendered whenever insurance has been deleted for
any reason.
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The Vehicle Financial Responsibility Act of 1957 requires that all motor vehicles registered in the
state must be covered by an automobile liability insurance policy and that the insurance must remain
in effect with continuous coverage until the registration is terminated.
When titling/registering your vehicle you will need to provide proof of insurance.
Acceptable proofs of insurance include:
- Owner provides insurance company name and policy number (Self Certification)
- Or a Certificate of Insurance (FS-1), obtained from an Insurance Company that is licensed to do
business in North Carolina.
Minimum Liability Insurance Requirements for Licensing:
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The minimum requirements of liability insurance for a private passenger vehicle is $30,000
for bodily injury for one person; $60,000 bodily injury for two or more people and $25,000
property damage. North Carolina law requires each company to notify the DMV when coverage
has been cancelled.
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Liability coverage must be continuously maintained with a company licensed and authorized
to do business in this state.
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If you change insurance carriers or you have a lapse of coverage, your insurance company is required
by law to notify the Division of Motor Vehicles. When the Division receives this information, they
are required to send Form FS 5-7 Notice, and you are required to respond within 10 days.
If there has not been a break in coverage:
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You must enter your correct insurance information on the Form FS 5-7 and return it to
the Division within 10 days from the date on the FS 5-7 Notice.
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If there has been a break in coverage:
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You must re-certify with the correct insurance information and submit the listed penalty amount
within 10 days from the date of the letter in order to retain your license plate.
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Failure to respond within the required time can result in the loss of your
license plate for 30 days.
Re-licensing after loss of license plate:
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In order to relicense after 30 days, you must:
- Provide proof of insurance coverage Form FS-1 (which you can obtain from your insurance agent);
- Pay a civil penalty fee of $50.00, $100.00 or $150.00 (depending on how many prior paid lapses you have General Statute 20-311).
- Pay a $50.00 service fee;
- And pay the appropriate license plate fee.
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If you feel the termination of your insurance is unjustified you do have a recourse:
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An insurance hearing may be requested when you feel the action is unjustified or when circumstances were beyond your control. You may call 919-715-7000 to set up a hearing. (An FS-1 is required for this option)
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NASCAR Plates Available online
Order Here!
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The IRS requires:
Purchasers of imported heavy vehicles to pay a 12% Federal Excise Tax to the IRS.
Filing of Heavy Highway Use Tax Returns electronically for taxpayers who register 25 or more vehicles.
www.irs.gov
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Methods of Payment
We will accept cash, money order or checks with two (2) forms of ID. Checks
will need to be written in Blue or Black ink. For further information
concerning check verification, call 919-715-7000.
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Did You Know?
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NC SMARTLINK
NC DOT
NC GOV
Commercial Carriers
