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North Carolina DL123 Non-Owner and Auto Insurance

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Cheapest dl123 non owner or auto insurance for North Carolina

North Carolina law states that all drivers must be able to provide proof of liability insurance when they register their vehicle and at all times when driving their vehicle. The vehicle registered must be insured with a company licensed to do business in the state of North Carolina. Vehicle insurance policy, an insurance binder, and an insurance card with your name, policy number and active dates listed.  To obtain or possess a valid drivers license in North Carolins in 2024 a driver must have state required liability insurance, if you do not own a vehicle you can get Non-Owner sometimes incorrectly referred to as “non-driver” insurance which covers a driver without an owned vehicle is the cheapest policy and will provide the DL123 form as proof of insurance for the state.

The state of North Carolina requires all drivers to carry liability insurance with limits 30/60/25 updated February 13, 2024

$30,000 for bodily injury to 1 person
$60,000 for bodily injury to 2 or more people
$25,000 for property damage
30/60/25 uninsured motorist coverage.

We offer cheap Auto Owner Policies and Non-Owner Policies.  Both types of policies can be issued with a North Carolina DL-123 Form. 04/05/2022

1) Owner policy – which is a standard auto insurance policy that covers a driver on their owned personal vehicle. All owner policies in North Carolina must legally have liability insurance as stated above.

2) Non-owner or Operator policy
– is an auto insurance policy which covers a driver for vehicles that they don’t own. A driver who does not have a vehicle registered to their name may purchase a non-owner policy. Non-owner policies cost far less and carry significantly lower premiums, while still meeting compliance for getting your driver’s license in North Carolina.

North Carolina law taking effect on January 1, 2024.  SB157 Limited Provisional License Modification.  This will reduce the length of time a Limited Learner’s Permit must be held before getting a Limited Provisional License for drivers under 18 years old to 9 months.

Cheapest dl123 non owner or auto insurance for north carolina

If you need an interlock (blowing device) installed in your vehicle Intoxalock is the best way to go CLICK HERE

NCDMV Customer Service

3101 Mail Service Center
1515 N.Church St.
Rocky Mount, NC 27804​ phone (919) 715-7000


 North Carolina and DL-123 Form
Non-Owner Insurance Explained
North Carolina DWI Insurance

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