North Carolina Non Owner Insurance
Call for a free SR22 Quote (888) 551-1991
All North Carolina drivers must carry the minimum liability insurance coverage mandated by the state. Individuals who drive without proper insurance coverage risk driver’s license suspension. If you do not own a vehicle and want to obtain a driver’s license or reinstate a suspended license, you’ll need to purchase North Carolina non owner insurance. UltraCar Insurance will provide you with rate quotes from top rated companies and help you obtain the policy you need.
What is North Carolina Non Owner Insurance?
Not all drivers in North Carolina own a vehicle; however, the state offers individuals who do not own a vehicle the opportunity to purchase North Carolina non owner insurance to 1) obtain a North Carolina driver’s license, 2) reinstate a suspended North Carolina license or 3) individuals who are new residents of the state, do not own a vehicle and want to obtain a North Carolina driver’s license. Applicants must first purchase a North Carolina non owner insurance policy and then present a copy of the insurance card to the North Carolina DMV. Sometimes the DMV requires a DL-123 form to be filed. A DL-123 is a certificate that shows the policy number, starting date and expiration date. North Carolina non owner insurance policies offer liability only coverage.
North Carolina has set the following minimum amount of liability insurance that all drivers must carry:
- $30,000 bodily injury for one individual in one accident
- $60,000 for two or more individuals in one accident
- $25,000 property damage incurred in one accident
North Carolina non owner insurance policies are written for one person, and will not cover:
- Vehicles registered in your name
- Vehicles that you frequently drive
- Vehicles owned by people in the household which you live
- Rental or commercial vehicles
North Carolina DMV
More Information can be found at the North Carolina DMV Website.
UltraCar Insurance in North Carolina
As soon as we receive your online or phone request, we begin surveying several insurance companies to find the best North Carolina non owner insurance rate for you. For fast certificate filing, use our secure online form to submit your request or give us a call today!