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How much coverage do I need in North Carolina?

All bikers are required to have motorcycle insurance in North Carolina. While most states require liability insurance coverage, North Carolina requires uninsured motorist coverage as well.

You’re required to have the minimum insurance coverages:

  • $30,000 per person/$60,000 per accident for bodily injury liability claims
  • $25,000 property damage per incident, which pays for vehicles or property damage for which you become legally liable
  • $30,000 per person/$60,000 per accident uninsured motorist (UM) coverage, which provides protection when an at-fault, uninsured driver injures you or another covered individual 

Does North Carolina have any optional motorcycle insurance coverage?

In addition to standard liability coverage, you can choose from an array of specialized options.

Whether you're riding a Harley-Davidson, Honda, Suzuki, Yamaha, BMW, Triumph, Indian, or something else—if you’ve added personal touches with optional equipment, we can insure it.

Need to repair your bike with genuine manufacturer-replacement parts? Our Physical Damage Plus coverage can help you with that.

If you’re hurt in an incident, our optional medical payments coverage has you covered. Take a look:

  • Medical expense (limits from $500 to $2,000)
  • Other than collision (commonly referred to as Comprehensive in other states)
  • Collision 
  • Diminishing deductible
  • Roadside assistance
  • Physical damage plus
  • Trip interruption
  • Extended transportation expenses
  • Replacement cost

NC motorcycle insurance discounts

At Dairyland, we offer a wide selection of money-saving motorcycle insurance discounts to North Carolina riders who desire customizable insurance coverage. These options help make quality motorbike-insurance policies affordable, while providing the exceptional service and support you deserve. 

We offer a range of discounts for your motorcycle insurance rates, including:

  • Advance quote discount 
  • Anti-theft discount
  • Claim-free renewal discount 
  • Experience discount
  • HOG discount 
  • Home ownership discount 
  • Loyalty discount 
  • Motorcycle endorsement discount
  • Multi-vehicle discount 
  • Operators safety course discount
  • Ownership discount 
  • Paid-in-full discount 
  • Prompt payer discount
  • Rider group discount
  • Transfer discount

Grab a free insurance quote to discover what savings opportunities you can achieve based on your driving record or other factors.

Sites to see in North Carolina

South of the Border

Less than three miles south of the North Carolina border in Dillon, South Carolina, is South of the Border—one of America's most beloved tourist destinations. Aesthetically, South of the Border leans hard into a campy caricature of Mexican culture.

The 350-acre attraction has a mini-golf course, truck stop, 300-room motel, many shops to buy souvenirs, a campground, amusement rides, and a 200-foot high observation tower in the shape of a giant sombrero (be careful up there because that sombrero can be hot to the touch).

South of the Border also has the "Reptile Lagoon"—America's largest indoor-reptile exhibit.

Elsewhere

Elsewhere is a former thrift store in Greensboro, North Carolina, that has been turned into a museum and artists’ residency where creatives use the items that were previously for sale to make art.

Past highlights include dioramas made of ‘80s toys, a bin full of action figures throughout the ages, and mixed-medium collages made of everything from clothing to vinyl records.

Elsewhere is truly a one-of-a-kind destination that will delight all attendees with great heights of creativity. Then you can walk down the street to Cheesecakes by Alex and get your taste buds rocked by a beloved local baker.

Blue Ridge Parkway

Designed by landscape architect Stanley Abbott, the 469-mile Blue Ridge Parkway connects North Carolina's Great Smoky Mountains National Park to Virginia's Shenandoah National Park.

The parkway is most crowded in October when tourists flock to take in the sea of changing foliage. The summer is also a popular time to visit because of the blazing azaleas and rhododendrons.

Along the way, there are both seasonal and year-round museums, including The Folk Art Center, which has artwork created by local artisans, and the Museum of North Carolina Minerals, which examines the Tar Heel State's historical connection to minerals and mining.

Get a North Carolina motorcycle insurance quote

With over a quarter of a million registered riders in the state, it’s no secret that North Carolina drivers love motorcycles. The natural beauty of North Carolina makes it a great place to ride. Just be sure you're covered with a motorcycle insurance policy before you hit the road.

Get insured and ride on.

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