North Carolina law makes auto insurance coverage mandatory for all drivers. All drivers must carry at least the following coverage: $30,000 Bodily Injury (BI) Liability Coverage per person, $60,000 Bodily Injury Liability Coverage per accident, $25,000 Property Damage (PD) Liability Coverage, $30,000 Uninsured Motorist (UM) Bodily Injury Coverage per person, $60,000 Uninsured Motorist Bodily Injury Coverage per accident, and $25,000 Uninsured Motorist Property Damage Coverage.