Local Insurance Agents in North Carolina

Discover the right agent for your insurance needs 

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Robert Chester

 ✔ verified 

“Professional expert insurance advice with great rates and service for the qualified client.”

Insurance Products – P&C insurance

📍Davidson, North Carolina, 28036
insurance agent in georgia

Brandon Davis

Associated Carriers Soar Insurance Partners

Insurance Products – Personal Insurance, Business Insurance, P&C insurance

📍Bunnlevel, North Carolina, 28323
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Braxton Ogbueze

Associated Carriers – Mutual of Omaha, Americo, American Amicable, Aetna and AIG

My name is Braxton Ogbueze and I’m a licensed life insurance agent in North Carolina and South Carolina. I believe in honoring Jesus with my life and in my businesses and I look forward to serving my community by helping them get protection in place for their families and as well as delivering a message of hope.

📍Charlotte, North Carolina, 28269
JoeSpeer Life Insurance - Life insurance agent in georgia

Alexis Starks

I believe my client is always right, and it’s my duty to put their hopes into perspective.

📍North Carolina, United States

Find Agents for Different Coverages in North Carolina

Home Insurance

Auto Insurance

health insurance

Health Insurance

life insurance

Life Insurance

North Carolina- a state in the Southeastern region of the United States is known for its beaches, mountains, and wineries. It’s also home to a large number of insurance agents who can help you find the right coverage in case anything happens in your next adventure in this state.  

Most insurance agents in North Carolina represent multiple insurance companies, so they can help you compare rates and coverage options. Connect with insurance agents in North Carolina and find the coverage option tailored just for you!

Insurance agents in North Carolina

Why Agency Height?

Local Coverage Expertise- Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose- Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Coverages in North Carolina

There are many types of insurance options available in North Carolina, and the type that you need will depend on your specific insurance requirements. However, these are the most popular coverage options in North Carolina:

Home Insurance 

  • Personal Liability Protection 
  • Dwelling Coverage
  • Personal Property 
  • Medical Payments Coverage

Car Insurance

  • Liability Coverage 
  • Coverage for Damage to your Auto 
  • Medical Payment Coverage 
  • Uninsured/ Underinsured motorist coverage 
  • Coverage for Rented Vehicles 

Health Insurance 

  • Health Maintenance Organizations 
  • Preferred Provider Organizations 
  • Point-of-Service (POS) Plans 
  • High-Deductible Health Plans (HDHP)

Life Insurance 

  • Term Life Insurance 
  • Universal Life Insurance 
  • Whole Life Insurance 
  • Annuities 

Average Insurance Rates in North Carolina

There are many factors that affect the cost of insurance in North Carolina. Some of these include- type of insurance, your driving record, where you live, and more. In order to get the best rate possible, it’s important to compare rates from multiple insurers. Shopping around is the best way to make sure you’re getting the best deal. 

The average rate for different types of insurance is listed below: 

Type of Insurance Average Annual Premium Rates
Car Insurance $1,392  
Home Insurance $1,317 per year for $250,000 in dwelling coverage 
Health Insurance $482 per person 
Life Insurance $216

Top Insurance Companies in North Carolina

There are different insurance companies operating in the state of North Carolina, each offering a variety of different plans and coverage options. Some of the most well-known and reputable insurers in the state include: 

Company  Market Share % 
State Farm  14.87 
Nationwide  10.83 
North Carolina Farm Bureau Insurance  9.62 
Allstate Corp  8.15 
USAA  7.54 

Frequently Asked Questions

What are the requirements for insurance coverage in NC?

Automobile Liability coverage must be regularly maintained in accordance with North Carolina motor vehicle law. The required minimums for coverage are $30,000 for bodily injury per person, $60,000 for bodily injury overall for all parties involved in an accident, and $25,000 for property damage. 

How much is full coverage car insurance in North Carolina?

The average cost of car insurance in North Carolina in 2022 is $431 per year for state-required minimum coverage limits and $1,392 per year for comprehensive coverage. 

Is NC a no-fault state?

Yes, North Carolina is a no fault state. This means that you may file a lawsuit if it is established that the negligent behavior of the other party caused your injuries (e.g., reckless driving, failing to look out for you, etc.).  

Is car insurance required in NC?

In North Carolina, you must have the following insurance coverage in order to lawfully drive a car: Liability protection for bodily harm: the bare minimum required by law $30 000 for each individual, and $60 000 for each accident. Liability protection for property damage: the $25,000 minimum required by law. 

Does North Carolina have PIP coverage?

PIP coverage is not available in North Carolina. PIP insurance covers more than just medical costs, such as lost wages, unlike MedPay, which only covers medical expenses. PIP, however, usually involves a deductible and might ask the customer to cover a portion of the cost of the medical costs. 

Who is at fault in a rear end collision in NC?

In North Carolina, the person at blame in a rear-end collision is often the driver of the car that hit the other car from behind. This isn’t always the case, though. In rare circumstances, the driver in front could also be blamed for the collision. 

How much is non owners insurance in NC?

In North Carolina, non-owner auto insurance has an average annual cost of $414. Nationwide has the most affordable non-owner insurance in the state, costing an average of $293 annually. You can discover more about non-owner auto insurance in North Carolina and how it functions by consulting Money Geek’s in-depth guide. 

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