What kind of insurance do you need in the state of nc if the car you will be driving is not owned by you but the owner of the car has full coverage on it?

If the owner of the vehicle has full coverage on it then all need be done is to add you as a driver. I have a feeling that there is more to the story than you are telling though or you would not be asking such a simple question. If the vehicle is already insured in NC then it meets the requirements of the State and to meet the policy requirements all drivers and household members must be listed on the policy and that's all that must be done.