Amends GS Chapter 58 by creating a new section, GS 58-36-43 (Private passenger automobile optional program enhancements authorized not altering coverage under Rate Bureau jurisdiction), providing that member companies writing private passenger car insurance under this Article can add optional enhancements to their car programs as endorsements to an automobile policy if the insurer has filed the proposed enhancements with the Commissioner of Insurance (Commissioner) and they are approved. Approved enhancements are outside the authority of the Rate Bureau. Insurers will use a statistical code for reporting premiums and losses from program enhancements and will advise the Department of Insurance where this code will be reported.

Amends GS 58-3-25, providing that except as specified in GS 58-36-65 (Classifications and Safe Driver Incentive Plan for nonfleet private passenger motor vehicle insurance) and GS 58-37-35 (The Facility; functions; administration), no insurer can base any standard or rating plan for private passenger automobiles or motorcycles in any part on the age or sex of the persons insured.

Amends GS 58-36-65, providing that the Commissioner can give consideration to whether any licensed drivers are under 19 years of age when issuing modifications to rate classifications, schedules, or rules to classify drivers of nonfleet private passenger motor vehicles. Allows for the cancellation or refusal of a car insurance policy if an applicant knowingly makes a material misrepresentation as to whether the applicant is 19 years of age or older. Allows premium surcharges for insureds who are less than 19 years old. Provides that except as provided in this section and GS 58-36-30(d), no classification or subclassification plan can be based in any way on the gender or age of insureds.

Amends GS 58-37-35 (The Facility; functions; administration), providing that an owner's household where each licensed operator is 18 years of age or older (was, had two years' driving experience as licensed drivers) is a "clean risk" if points have not been awarded, as specified.

Effective July 1, 2013, applying to policies issued or renewed after that date.