Backed by over 60 years of auto insurance expertise, the licensed professionals at Protective Agency are determined to provide comprehensive auto insurance at remarkably affordable rates. Operating statewide with multiple locations, Protective Agency is available to provide competitive quotes for all drivers, even those with the most tarnished driving records. Our insurance packages can be designed to fit the needs of individuals and families throughout the state:


Mandatory Coverage in North Carolina


  • Bodily Injury Liability: This insurance pays for medical expenses that you are liable for in the event of an at-fault accident.
  • Property Damage Liability: If you or another insured driver are in an at-fault accident, Property Damage Liability will pay to repair or replace the other driver’s vehicle.


Optional Coverage in North Carolina


  • Medical Payments: This coverage will pay for your injuries as well as injuries of passengers in your vehicle, no matter who’s at fault in an accident.
  • Uninsured Motorist Bodily Injury: This policy pays if you are injured by another driver who is uninsured or underinsured in an accident.
  • Uninsured Motorist Property Damage: This optional coverage pays if your vehicle is damaged by another driver who is uninsured or underinsured, or if you are in a hit and run accident.
  • Comprehensive: This provides coverage if your vehicle is damaged for reasons other than an accident, such as vandalism or theft.
  • Collision: Collision coverage pays for repairs or replacement of your vehicle in the event of an at-fault accident.
  • Rental Reimbursement: This policy pays a per diem reimbursement for a rental vehicle if your vehicle is under repair or needs to be replaced after an at-fault accident.
  • Roadside Assistance: This optional coverage reimburses the policyholder if a tow truck or roadside assistance is needed due to issues such as a flat tire, engine failure, getting locked out, or running out of gas.


Convenience is Our Promise!


With our online quoting system and offices across the state, the insurance professionals at Protective Agency can get you quoted and covered quickly and efficiently. We promise not to hurry you, and we promise to provide answers to all your auto insurance coverage questions honestly and professionally.


Service is Our Guarantee!


The insurance professionals at Protective Agency understand how important it is to provide exceptional service to all of our clients. We know that only exceptional service will result in a long-term customer relationship, and to that end, exceptional service is our guarantee. With auto insurance, changes happen frequently, and great service is needed as a result. Feel free to call any of our offices to make changes to your policy or payments on your account.


Claims Happen


The professionals at Protective Insurance Agency and our partner companies understand that auto insurance is only a promise until a claim is filed. Whether it’s a fender bender or multi-car accident, we want to help you through the claims process and get you back on the road sooner rather than later. We are here to help with medical expense claims and the costs of getting your vehicle repaired or replaced after an accident.


For auto insurance in North Carolina, look to Protective Agency for a policy that meets your needs at affordable rates. Please feel free to call us at (877) 739-9367 for a free and confidential insurance quote.

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