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Return To: Auto Insurance – The Ultimate Guide

Full coverage auto insurance is the financial protection you need to pay for your car. When you get into accidents that injure other drivers or damage people’s properties, you need financial assistance to cover the expenses.

This type of auto insurance combines individual liability policies with comprehensive coverage to maximize the situations your insurer can pay for. The North Carolina Division of Motor Vehicles (NCDMV) mandates liability policies and has set minimum coverage for any bodily or property damage. Comprehensive coverage is optional, which you may get for your vehicle if it fits your needs.

You need to make the right decision when choosing the appropriate car insurance. Be sure that your policies meet state mandates and cover the situations that you are prone to. We have all you need to know about auto insurance to help you get the protection your car needs.

VIDEO – What Is Full Coverage Auto Insurance?

What Does Full Coverage Insurance Cover?

Full coverage auto insurance consists of multiple policies that protect you from more situations than single policies cover. It includes standard liability insurance coverage and optional coverage. Here is a glance at the standard and (some) optional coverage you may apply for when getting full coverage auto insurance:

Standard Auto Insurance Coverages

Coverage TypePays For
Bodily injury liabilityMedical bills of injuries or deaths you caused by driving
Property damage liabilityRepair bills of damages you caused to another’s property
Uninsured and underinsured motorist bodily injury liabilityMedical bills of uninsured drivers
Uninsured and underinsured motorist property damage liabilityRepair bills of uninsured drivers
Standard Auto Insurance Coverage(s)

Optional Car Insurance Coverages

Coverage TypePays For
Comprehensive coverageDamage due to vandalism or natural disasters
Collision coverageRepair costs due to crashes into other vehicles or objects
Rental reimbursementRental costs when your car is under maintenance
Mechanical breakdown insuranceRepair costs due to major car failures
Roadside assistanceLabor costs for towing your car
Optional Auto Insurance Coverage(s)

How Much Is Full Coverage Auto Insurance?

The average annual full coverage car insurance coverage in North Carolina as of March 2021 ranges between $835 and $1,633. This average range is based on the top 10 car insurance carriers in the state.

Other factors that may affect the cost of your full coverage auto insurance include:

Insurers also consider these factors in determining the value of your car should it get totaled. Be sure to educate yourself about auto insurance and why the state of North Carolina requires you to apply for such protections.


Full coverage auto insurance is the combination of different policies that financially protect your car from accidents. Per North Carolina law, there are standard coverages for liabilities and optional coverages, like comprehensive and collision coverage, that you can include to expand your protection. The amount you pay for full auto coverage will depend on a number of factors. You will pay more if you decide to include several policies in your auto insurance. Prices may further vary when you consider your driving experience and location. Get an auto insurance quote today to assess how much you need to invest in protecting your car.

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