According to the North Carolina Department of Insurance you need to pay your auto insurance premium in full. They advise to pay on or before the due date to avoid the risk of cancellation.

There is NO GRACE PERIOD for automobile insurance in North Carolina (this is true in most every state).

The NC insurance regulator states that you should pay your premiums even if you disagree with your insurance company. You can always discuss or figure out the item being disagreed upon but need to keep your car insurance in force. Failure to make premium payments may cause cancellation of your policy.

If the insurance company offers to renew or continue your coverage and you do not accept, the policy will automatically terminate at the end of the current policy period. Failure to pay the required premium to renew or continue your policy will mean you do not accept the offer.

Whenever your liability coverage is cancelled or non-renewed, your insurance company is required to notify the North Carolina Division of Motor Vehicles (DMV). The DMV is required to notify you when they receive the notification. If there is a penalty, the DMV will advise you of such and what action, if any, that you need to take.

When the NC DOT sends you a letter and requests insurance information if you ignore the notice or fail to show proof of current insurance on your vehicle, you will lose your license plates 30 days. After this 30 day revocation you must provide proof of insurance and pay fees so that you can get your tags back.

Penalties for being found by law enforcement driving a motor vehicle without at least the NC required minimum insurance on it can include losing your license plate and having your driver's license suspended.

If you are in need of North Carolina auto insurance then you can come to us for a low cost car insurance quote.