North Carolina Auto Coverages
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Find the Right North Carolina Auto Insurance Coverage for Your Needs

Feel secure knowing you have an insurance provider you can rely on. With Nationwide, it’s easy to customize your policy with affordable options for North Carolina auto insurance.

North Carolina car insurance coverage your policy must have

Liability coverage

As a resident of North Carolina, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.

  • Bodily injury safeguards your assets if you’re found legally accountable for a covered accident, including certain expenses associated with bodily harm sustained by the other party.
  • Property damage safeguards your assets if you are found legally accountable for a covered accident, including property damage sustained by the other party.

When you buy North Carolina car insurance coverage, you’ll need at least the required state minimum amount: $30,000/$60,000/$25,000. So in the event of an accident, you’ll get $30,000 coverage for bodily injury to one person per accident, $60,000 coverage for bodily injury to two or more people per accident, and $25,000 in property damage coverage per accident.

Liability may cover certain legal defense expenses if you are sued for a covered accident. 

North Carolina auto insurance coverage that’s smart to have

It’s often a good idea to add the following coverages to your policy so you can enjoy the security of being protected on the road:

Comprehensive

This type of North Carolina auto insurance coverage is used to repair your vehicle when physical damage occurs from non-collision related incidents (subject to deductible). Such incidents include theft, fire, vandalism, glass breakage, and contact with animals.

Collision

Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (subject to deductible).

Uninsured/underinsured motorist

Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.

  • Bodily injury may protect you if you’re involved in an accident and the other party is at-fault and either is uninsured or doesn’t carry enough insurance to cover costs related to your bodily injury damages.
  • Property damage may protect you if you’re involved in an accident where the other party is at-fault and uninsured/underinsured for damages sustained to your vehicle and other covered property (subject to deductible). You do not need Uninsured/Underinsured property damage coverage if you have collision coverage.

Medical benefits 

May pay for necessary medical expenses or funeral costs for you or others covered under the policy, no matter who is at fault.

Tailor your policy with these options

Accident Forgiveness

With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident. Learn more about Accident Forgiveness.

Roadside Assistance

Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.

Loss of use

If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.