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Carolina Premier Insurance

North and South Carolina

North and South Carolina Motorcycle Insurance Coverage

Motorcycle Insurance in North and South Carolina

Taking your bike out to cruise the streets means you have to keep yourself and your motorcycle protected. Reliable insurance from Carolina Premier Insurance LLC in Mint Hill, NC will ensure you have everything you need to make sure you feel comfortable at all times. We offer various coverage options ranging from liability to comprehensive.

Motorcycle Insurance Requirements

Motorcycle insurance is required in South and North Carolina, and all owners must show proof of insurance before they can register their bikes. The minimum requirements for motorcycle insurance are as follows:

  • Bodily injury coverage for each person
  • Bodily injury coverage for all persons
  • Property damage coverage

Failure to meet the required minimum liability requirements for your bike may result in consequences such as hefty fines and penalties. The minimum limits in the state of North Carolina are a bit higher compared to other states.

Motorcycle Insurance Coverage

Additional coverage options that you can consider are:

  • Collision - This will keep your bike protected if you are involved in an accident with another bike, car, or stationary object.
  • Uninsured/underinsured - If you are involved in an accident with another motorist who does not have insurance or enough insurance to cover your medical expenses, this policy will protect you if you are injured. However, the other driver must be at fault.
  • Comprehensive - This will cover your bike if it is damaged due to theft, wind, water, fire, vandalism, or others.
  • Accessories coverage - This will protect certain items, including backrests, seats, saddlebags, and chrome pieces. However, helmets are not protected under this policy.


To obtain a quote for motorcycle insurance in North Carolina or South Carolina, please contact Carolina Premier Insurance LLC today. You can also give us a call, and we can assist you with any questions you have. We are located in Mint Hill, NC.

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