Top Agents Near You in Charlotte, NC

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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

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

Charlotte is a major city in North Carolina and a commercial hub. In addition to that, it the most populous city as well. As per the 2020 census, the population of Charlotte is 2,660,329, making it the 22nd populous city in the U.S. 

Since Charlotte is a commercial hub, many top insurance companies offer various coverage options and rates in the city. This can make it difficult to select the best company for your needs. 

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 Charlotte

Charlotte insurance agents provide a wide range of insurance coverage options to their clients, including home insurance, auto insurance, life insurance, and health insurance. 

Each type of insurance coverage has its own set of benefits and features, so working with an experienced insurance agent to select the right policy for your needs is critical. 

Here are some standard policies available in the city of Charlotte.

Home Insurance 

  • Personal Liability Coverage  
  • Dwelling Coverage  
  • Coverage for Structures in the 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

Average Insurance Rates in Charlotte

The insurance rates for different coverages in Charlotte are fairly lower than the national average of North Carolina. Car insurance and home insurance rates are slightly cheaper than the state’s national average. Whereas the rates of life and health insurance can vary depending on the individual. 

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

Type of Insurance Average Annual Premium Rates
Car Insurance $1,553
Home Insurance $1,417 
Life Insurance $624 
Health Insurance $513 

Frequently Asked Questions

How much does homeowners insurance cost in Charlotte?

The average cost of insurance differs by city and state. The average cost of home insurance in Charlotte is $1,417 per year, which is $81 less than the state average of $1,498 and $686 less than the national average of $2,103.

What is the average cost of car insurance in Charlotte?

The average annual car insurance premium in Charlotte is $939, which is approximately 11.7% higher than the state’s $841 average annual premium.

Is there free health insurance in Charlotte?

Medicaid provides free or low-cost health insurance to eligible low-income people.

When does life insurance expire in Charlotte?

It will expire when a claim is paid or on the date specified on your plan schedule. You cannot obtain a plan that lasts less than five years or more than fifty years. Your plan must come to an end before you reach the age of 90.

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