North Carolina Motorcycle Insurance: Compare Quotes

Did you know this about motorcycle insurance in NC?

Many riders focus on finding the right bike but don’t always take the same approach when it comes to insurance. While coverage is required in North Carolina, not all riders take the time to compare rates, which means some could be paying more than necessary. Insurance providers use different factors to determine premiums, and without shopping around, it’s easy to miss out on lower rates or better coverage options. Taking a few minutes to compare quotes can help you find a policy that offers solid protection at a more affordable price.

Compare North Carolina motorcycle insurance rates from top providers with just one form.

Do You Need Motorcycle Insurance in North Carolina?

Yes, North Carolina requires all motorcycles to be insured before they can be registered and legally ridden on public roads. Riders must carry an active insurance policy that meets the state’s minimum coverage requirements at all times. Proof of insurance is needed when registering a motorcycle and must be shown if requested by law enforcement.

North Carolina Motorcycle Insurance Requirements

To legally ride in North Carolina, your motorcycle insurance policy must include at least:

• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident if more than one person is injured
• $25,000 for property damage per accident

North Carolina also requires:

• Uninsured Motorist (UM) Coverage: Protects you if you’re in an accident caused by a driver without insurance. Coverage must match the state’s minimum liability limits.
• Underinsured Motorist (UIM) Coverage: If your policy has higher liability limits than the state minimum, UIM coverage is required to help cover costs if the at-fault driver doesn’t have enough insurance.

Your insurance must stay active as long as your motorcycle is registered. If your policy is canceled or lapses, the North Carolina Division of Motor Vehicles (NCDMV) may suspend your registration and issue fines until coverage is restored.

For the latest details on North Carolina motorcycle insurance requirements, visit the North Carolina Department of Insurance or the NCDMV website.

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North Carolina Motorcycle Insurance FAQ

North Carolina Motorcycle Insurance Coverage Options

Liability coverage is required for all motorcycles in North Carolina, but it only covers damages and injuries you cause to others. To protect your own bike and medical expenses, additional coverage options are available.

Collision/Other than Collision

Collision coverage helps pay for repairs to your motorcycle if you're in an accident, regardless of who is at fault. Other than collision, also known as comprehensive coverage, protects against theft, vandalism, fire, and weather-related damage.

Uninsured/Underinsured Motorists

This coverage helps if you're hit by a driver who has little or no insurance. It can cover medical expenses, lost wages, and other costs that the at-fault driver's insurance should have paid.

Medical Payments Coverage

Medical payments (MedPay) helps cover medical bills for you and your passenger after an accident, no matter who was at fault. This coverage can assist with hospital visits, ambulance costs, and other medical expenses that your health insurance may not fully cover.

Compare North Carolina Motorcycle Insurance

To receive motorcycle insurance quotes in North Carolina, simply fill out the form provided below. An insurance agent will then reach out to discuss your coverage options and help you find the most affordable plan that meets your needs. Our partners are dedicated to helping you lower your premiums or enhance your coverage in North Carolina.

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