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Griffin Insurance Agency

135 Gasoline Alley
Mooresville, NC 28117

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Motorcycle Insurance in North Carolina


Motorcycle Insurance Requirements for North Carolina

The state requires you to have liability insurance to drive your motorcycle. These minimums include $60,000 for total bodily injury liability and $25,000 for property damage. Since these are just the minimums, you do have the option of purchasing additional coverage to stay financially protected. All motorcyclists must wear helmets, and helmets do not affect the insurance minimums.

If you don’t meet the minimum insurance coverage, you could still face issues, even if you don’t get into an accident during your lapsed coverage. Your insurance company will have to notify the DMV if your coverage lapses. You will get a form in the mail and have to reinstate coverage and pay a fee to the state. You can check with the DMV to see if your two-wheel vehicle qualifies as a motorcycle and if you need to get this insurance.

Optional Coverage in North Carolina

In addition to purchasing more liability coverage, you also have the option of getting extra motorcycle insurance through an agent. Collision coverage can help pay for damages to your motorcycle that occur after an accident. Comprehensive coverage may pay for damages to your motorcycle that occur from events other than an accident. Some of these events can include fire and vandalism. Medical payments will cover some medical costs if you are hurt in a crash. If you don’t have adequate medical coverage or have medical coverage with high deductibles, this can be a good option. Towing and labor coverage pays for emergency roadside assistance and towing. Speak with an agent at Griffin Insurance Agency to find out which coverage is right for you. If you use your motorcycle as a daily commuter vehicle, you want to purchase additional coverage to not only protect your investment but also help with the risks of everyday motorcycle riding.

Contact Griffin Insurance Agency to get a quote for motorcycle insurance.

Partner Carriers


  • CHUBB Insurance
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  • FCCI
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  • National General Insurance
  • Nationwide Insurance
  • Progressive Insurance
  • State Auto Insurance
  • Travelers Insurance
  • Utica National Insurance Group
  • Westfield Insurance