Prevents, in GS 20-309, a person subject to an inexperienced operator premium surcharge from operating a motor vehicle unless the liability insurance policy benefiting that person includes any required premium surcharge. Exempts persons who demonstrate financial responsibility in an authorized manner other than a liability insurance policy. Makes conforming change to GS 20-16 (authority of Division of Motor Vehicles to suspend license) and GS 20-309.2 (required notice to the Division of Motor Vehicles by insurers). Effective October 1, 2025.