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List of Auto Insurance Companies in North Carolina NC

I have put together a list of auto insurance companies in North Carolina including there agents phone numbers. For you to save money with this list of auto insurance companies in North Carolina. Don’t forget to check out our List of Auto Insurance Companies and the Best Auto Insurance Companies in the United States which cover the whole of the US.

List of Auto Insurance Companies in North Carolina A-D

ALLCHOICE Insurance
7 Corporate Center Court, Suite B, Greensboro,North Carolina, NC 27408, United States

Phone NUmber 336-540-0463

Allstate Insurance Co
3460 Ten Ten Road #106, Cary, North Carolina, NC 27518, United States

Phone Number 919-367-2810

“I switched to Allstate with Jaclyn and saved HUNDREDS on my auto insurance.”

Allstate Insurance – Ficquette Insurance Agency LLC
112 Perkins Dr, Ste 600, Chapel Hill, North Carolina, NC 27514, United States

Phone Number 919-929-1000

“The staff are a pleasure to deal with and I was able to get my home insurance,car insurance and life insurance into a multi-line policy that saved me a load. Even got my car insurance deductible lowered in the process. If you are looking for a professional insurance agency in Chapel Hill I would suggest everyone give Tom a call. Thanks again”

Apple Auto Insurance
600 E Chatham St # A, Cary, North Carolina, NC 27511-6948, United States

Phone Number 919-460-9996

Capital Insurance & Financial Services, Inc.
3701 Lake Boone Trail, Ste 200, Raleigh, North Carolina, NC 27607, United States

Phone Number 919-571-0685

Carolina Capital Insurance Group Auto Insurance
1100 Logger Court Suite H-103B, Raleigh, North Carolina, NC 27609, United States

Phone Number 919-747-9002

“I appreciate your good work. I will gladly recommend you to anyone in need of Auto Insurance.”

Chad Richards State Farm Insurance
5300 Six Forks Road, Suite 109, Raleigh, North Carolina, NC 27609, United States

Phone Number 919-783-0500

“Superior Service! Great service! I can always call and get the information and answers I need from very helpful and courteous representatives! I would recommend Chad Richards office to everyone!”

Debbie Leggett CLU CASL State Farm Insurance
1513 Walnut St, Suite 170, Cary, North Carolina, NC 27511-5900, United States

Phone Number 919-469-2479

List of Auto Insurance Companies in North Carolina G-K

Gary Elliott State Farm Insurance
1301 E. Franklin Street, Chapel Hill, North Carolina, NC 27514, United States

Phone Number 919-942-6057

GEICO Local Raleigh Insurance Agent
3501 Capital Boulevard, Raleigh, North Carolina, NC 27604, United States

Phone Number 919-862-1300

Insurance Direct
1135 Kildaire Farm Road, Cary, North Carolina, NC 27511-4587, United States

Phone Number 919-228-4482

Jaime Shannon State Farm Insurance
3801 E Sycamore Dairy Rd., Fayetteville, North Carolina, NC 28303, United States

Phone Number 910-867-4048

“I would highly recommend this office if you want great customer service!”

Karen Boone Agency State Farm
5603 Creedmoor Road, Raleigh, North Carolina, NC 27612, United States

Phone Number 919-782-6666

List of Auto Insurance Companies in North Carolina L-P

Liberty Mutual Raleig
3120 Highwoods Blvd – Ste 310, Raleigh, North Carolina, NC 27604, United States

Phone NUmber 919-872-4700

Mark A Vitali Agency Nationwide Insurance
2626 South Saunders Street, Raleigh, North Carolina, NC 27603, United States

Phone Number 919-832-2410

Mary Wilson State Farm Insurance
9630 Falls of Neuse Rd, Suite 115, Raleigh,North Carolina, NC 27615-2472, United States

Phone Number 919-872-1225

“This has to be the best insurance agency in the City of Raleigh! The entire staff seems to very confident in all they do for their policyholders. They are always eager to help in anything that I need. They are always available any time of day, I can even reach Mary after hours on her cell phone if I need to! I would definitely recommend this office to anyone that wants to be taken care of for their insurance needs!”

Moore & Johnson Agency Raleigh Insurance
3809 Computer Dr # 100, Raleigh, North Carolina, NC 27609-6518, United States

Phone Number 919-781-0200

Phil Crisp Agency, Inc.
112 Perkins Drive #200, Chapel Hill, North Carolina, NC 27514, United States

Phone Number 919-967-8399

List of Auto Insurance Companies in North Carolina S-Z

Scott Bono, agent, State Farm Insurance
904 Broad Street, Durham, North Carolina, NC 27705, United States

Phone Number 919-286-9120

State Farm Insurance Donny Dingess Agency
Southern Village Pediatric Dentistry, 300 Market St, Ste 124, Chapel Hill, North Carolina, NC 27516, United States

Phone Number 919-942-3366

State Farm Insurance, Rollie Olin Agent
4810 Hope Valley Road Suite #116, Durham, North Carolina, NC 27707, United States

Phone Number 919-489-6008

Tim Farless State Farm Insurance Agency
721 Holly Springs Road, Holly Springs, North Carolina, NC 27540, United States

Car Insurance in North Carolina

North Carolina Car Insurance

In North Carolina, you are legally required to have a means of covering any costs of injuries or damages that may result from a car accident. The best way to fulfill this requirement is by purchasing car insurance.

Learn more about North Carolina car insurance requirements, options, and programs below.

NC Car Insurance Requirements

North Carolina requires that ALL drivers have liability insurance. This coverage helps pay for injuries and damages from a car accident for which you are at fault.

The minimum liability coverage limits are:

  • $30,000 for bodily injury liability, per person per accident.
  • $60,000 of bodily injury liability total per accident.
  • $25,000 of property damage liability, per accident.

You are also required to have uninsured motorist coverage. This helps pay for your own accident-related injuries when the collision occurred with an uninsured driver.

The same minimum limits apply as with your bodily injury liability insurance.

Optional Car Insurance

In addition to the required liability coverage, most NC auto insurance companies also offer optional types of auto insurance coverage.

Options typically include:

  • Collision – This will cover collision-related damages to your car.
    • (NOTE: This covers collisions with other moving vehicles.)
  • Comprehensive – This will help cover damages to your car for non-collision incidents, such as vandalism.
  • Towing and labor.
  • Rental car.

NOTE: North Carolina does not require you to have collision and comprehensive coverages. However, your finance company or bank will require you to purchase comprehensive and collision car insurance IF you are paying off a loan or are leasing your car.

Proof of Insurance

North Carolina requires you to provide proof of insurance when registering your car.

Acceptable forms of proof of insurance include:

  • A FS-1 form issued by your insurance agent certifying that you currently hold an insurance policy.
  • Your NC car insurance policy.
  • An insurance binder.
  • An insurance card.

You can obtain any of the above from your car insurance carrier.

Safe Driver Incentive Plan

North Carolina’s Safe Driver Incentive Plan (SDIP) is a program that helps promote safe driving through a point system that increases insurance costs for unsafe drivers.

Essentially, bad driving is penalized with increased car insurance premiums.

Drivers get points when they have a traffic violation or are found at-fault in an accident. The more severe the violation or accident, the more points you may receive.

With each point increase, your car insurance premium will increase considerably. For example, 1 point results in a 30% increase on your insurance rate.

The North Carolina Department of Insurance offers a detailed look at how SDIP points are given and how they might affect you.

North Carolina Reinsurance Facility

Because North Carolina requires all drivers to have liability insurance, NC state laws do not allow car insurance companies to refuse liability coverage to any driver. However, high-risk drivers will typically pay higher premiums.

If you are considered a high-risk driver due to a poor driving record, an insurance company can elect to insure you through the North Carolina Reinsurance Facility (NCRF).

This organization offers insurers a way to share the risk associated with your policy amongst the insurers in the NCRF umbrella.

Drivers in the reinsurance facility will end up paying more in comparison with other drivers purchasing insurance policies.

Additionally, in order to keep their risk low, insurance companies apply the following maximum coverage amounts to facility policyholders:

  • $30,000 of bodily injury liability, per person per accident.
  • $60,000 of bodily injury liability, total per accident.
  • $25,000 for property damage liability per accident.
  • $2,000 for medical payments.
  • $1,000,000 for uninsured drivers.

FS-1 Proof of Insurance

North Carolina requires that you have continuous car insurance coverage, meaning that it cannot lapse. If the DMV gets notification of a lapse on a certain date, they will send a request that an insurance agent confirm that you were sufficiently covered on that date by submitting an FS-1 as proof of insurance.

If the agent cannot confirm that you were covered on the date of the supposed lapse, you will be subject to fines and penalties, including the revocation of your license plate for 30 days.

If your license plates are suspended, you’ll be able to reinstate them on the 31st day of suspension by:

  • Paying the license plate fee.
  • Paying any fees related to your insurance violation.
  • Submitting an FS-1 form proof of liability insurance (to be completed and submitted by your car insurance agent.

Car Insurance Fraud in North Carolina

Insurance fraud costs customers like you a lot of money. Insurance companies use customers’ premiums to make up for losses incurred from insurance fraud.

Because of this, the North Carolina Department of Insurance’s Criminal Investigations Division takes insurance fraud very seriously.

Auto insurance fraud often involves the following:

  • Car repair fraud:
    • Overpricing costs of repairs.
    • Overstating damages.
    • Charging for new parts when using used parts.
  • Staging accidents:
    • Stopping suddenly to cause an accident.
    • Reporting accidents with no real accident.
    • Listing false drivers, passengers, and witnesses on a claim.
    • Ignoring right-of-way rules or giving up the right of way to cause accidents.

Reporting Car Insurance Fraud

By reporting car insurance fraud, you can help keep auto insurance rates low.

In North Carolina, you can report suspected insurance fraud:

  • Online through the National Association of Insurance Commissioners’ website.
  • By email to reportfraud@ncdoi.gov.
  • By fax at (919) 715-1156.
  • By phone:
    • At (919) 807-6840.
    • Toll-free within North Carolina at (888) 680-7684.

Car Insurance Discounts

When shopping around and comparing auto insurance quotes, inquire about discounts.

Some common discounts NC car insurance companies offer include:

  • Good driver discount.
  • Good student discount.
  • Multiple car discount.
  • Homeowner’s discount.
  • Auto-theft alarm discount.
  • Airbag or safety device discount.

Taking advantage of these discounts can save you a significant amount of money. However, the best way to maintain low-cost car insurance rates is to drive safely and obey all traffic laws.

Most Stolen Cars in North Carolina

Owning a car model that is often stolen can mean higher car insurance rates.

The following is a list of the most stolen cars in North Carolina for 2013, according to www.nicb.org:

  1. Honda Accord.
  2. Honda Civic.
  3. Ford Pickup (Full Size).
  4. Chevrolet Pickup (Full Size).
  5. Toyota Camry.
  6. Ford Explorer.
  7. Dodge Caravan.
  8. Jeep Cherokee/Grand Cherokee.
  9. Nissan Altima.
  10. Dodge Pickup (Full Size).

The Best North Carolina Homeowners Insurance Company

North Carolina’s average annual premiums for homeowners insurance fall just below national average — $1,075 per year for an HO-3 policy, compared to $1,173 nationwide. That said, how much you’ll pay can vary a lot depending on your home’s size, your assets, and your address. Use our tool to find your best rates:

Enter your ZIP code to see the best rates in your area:

Find the best homeowners insurance in North Carolina

Enter your ZIP code to see the best rates in your area:

Homeowners in North Carolina share similar concerns with many of their neighboring states: inclement weather in the mountains, hurricanes on the coastline, the threat of flooding or tornadoes. This last concern has insurance companies itching to raise rates. In response to recent coastal storms, the North Carolina Rate Bureau has proposed a statewide increase of 18.7 percent. The last time the bureau requested an increase was in 2012, and then the North Carolina Department of Insurance granted less than half — they asked for 17.7 and settled for 7.7. The current NCDOI stands against this new increase too, but final word won’t come till July 2018.

With the dual threat of stormy weather and raising rates, it’s important to insure with a provider who levies fair premiums and offers great customer service. There are great homeowners insurance providers in NC that do both, and can help you find the right coverage for your home.

The average home insurance premium in North Carolina comes in at just over $1,000 per year, which is about $200 less than the average in South Carolina, but roughly $100 more than what the average homeowner pays in Virginia. To get a sense for the rates for your home and your area, use the quote tool below.

How We Found the Best Homeowners Insurance in North Carolina

In our search for the best homeowners insurance in North Carolina, we followed a methodology similar to our review of the best nationwide providers. We started with a list of the largest homeowners insurance companies in the state then excavated everything we could about their customer service reputation, financial strength, coverage options, discounts, and claims management. We communicated with multiple agents via phone and email and took a magnifying glass to the fine print. We aggregated all this data to rank providers. Here’s how they stack up.

North Carolina Homeowners Insurance Reviews

Nationwide

Nationwide boasts strong all-around performance, prompt and courteous customer service, and a painless claims process brought them to the front of the pack with both J.D.Power and Consumer Reports. In Consumer Reports’ Homeowners insurance study, Nationwide received a 4 out of 5 for Claims Experience, besting both State Farm and Allstate, which both received a 3. For endorsements, Nationwide tied for first, matching the coverage offered by USAA, Allstate, and State Farm.

Nationwide edged out USAA as our recommended pick because of its inclusive membership — anyone can apply for insurance with Nationwide, while only military-affiliated individuals can receive coverage through USAA.

The less you know about insurance, from the purchasing process through holding your ground on a claim, the more it’ll cost you. Nationwide makes building a knowledge base easy, with a resource center that has dozens of articles covering everything from home insurance basics to maintaining the pipes in your home. Educational resources like these are a great asset, especially if you’re a first-time homebuyer.

The claim-filing process is probably one of the most important factors to consider when selecting a homeowners insurance company. And that’s exactly where USAA shines. From communicating with an agent, to filing paperwork, to receiving a satisfying estimate, USAA keeps the claims process from becoming a disaster in itself. In Consumer Reports’ Homeowners Insurance study, USAA came in as the overall runner-up, besting 12 other major competitors (including three of the providers we evaluated). USAA was also the only company among those we evaluated to receive a 5 out of 5 for timely payment, so you can expect a quick payout after you file a claim. (Note: NC Farm Bureau was not included in the study.)

USAA may very well have been our recommended pick if it weren’t for the limitations on membership. In order to qualify for membership, you, your spouse, or your parents must have served in the military. North Carolina is home to the third largest military population in the US, so chances are higher than average that you do meet one of these requirements. If so, USAA is a great choice.

State Farm

State Farm boasts robust financial strength. Together with USAA, it’s the only provider in our lineup to receive the superior “A++” rating from AM Best, outranking the “A+” received by Allstate and Nationwide, and the “A” NC Farm Bureau was issued. Financial strength ratings speak to a company’s ability to meet their ongoing insurance obligations — a.k.a., paying your claims. (To provide some context, even an A rating is still considered excellent by AM Best.) When you’re dealing with a long-term insurance policy like homeowners, financial strength is important to keep an eye on — you want to know that your provider will keep their promises far down the road. With State Farm, you can rest assured that you’re signing on with a rock-solid company.

Across the board, State Farm is a well-rounded provider, with strong overall ratings from J.D.Power and positive customer experiences. But the provider was outperformed by at least two others in claims management, customer service, and discounts. While State Farm’s multi-policy discount can knock up to 17 percent off your premium if you bundle with auto insurance, that’s not quite as competitive as the 20 percent offered by Nationwide.

Similar to Allstate, USAA, and Nationwide, discounts are also available from State Farm if you remain claims free or if you have home security features in your home.

Among the providers we evaluated, Allstate was the clear standout for discounts. The multi-policy discount can save you up to 30 percent on your premium when you bundle home and auto policies — 10 percentage points over what you’ll get with Nationwide and 13 percentage points more than State Farm. Allstate also offers a 20 percent discount for remaining claims free, and it’s the only provider among those we evaluated to offer an early-signing discount, which saves you up to an additional 10 percent if you sign up with Allstate before your current policy expires.

Allstate’s educational resources and digital tools are also better than any other competitor we evaluated. For example, Allstate’s Digital Locker is a mobile app that helps you create an inventory of your personal belongings. State Farm has a home inventory tool, but it’s nowhere near as easy to use or feature-rich. If your personal items are ever lost, stolen, or damaged, you’ll be happy you took the time to catalogue your belongings, and no one makes it easier than Allstate.

While you’ll be happy with the numbers you pay, you may not be happy with the numbers you recieve. According to the customers surveyed by Consumer Reports, satisfaction with claim payout amounts hovered at “Good,” while all our other contenders got a green light with “Very Good” or, in the case of USAA, “Excellent.”

NC Farm Bureau Insurance Group

If you prefer to work directly with an agent, NC Farm Bureau Insurance Group is a good choice. The company’s website is minimal and outdated, it’s true, offering no online quote tool and very little information on coverage and discounts. But they do make it easy to connect with an agent.

We reached out to six NC Farm Bureau agents for additional coverage information, and received a response from all within three hours. That’s impressive. Even more impressive: All of the agents were helpful, knowledgeable, and offered to schedule another call to continue our discussion. One agent even sent us a personal email indicating she would be out of the office for the week.

Because NC Farm Bureau doesn’t have the national reach of North Carolina’s other top home insurance providers, it doesn’t appear on major rating guides. While we can’t harness the same consumer feedback, and NC Farm Bureau can’t secure the same lofty financial ratings, our experiences indicated that it is a strong and reliable company, well worth considering if you like to shop local when it comes to insurance.

Get the most out of your homeowners insurance

Comparing available discounts can help save hundreds on your premium.

The average home insurance premium in North Carolina is roughly $1,000 per year, which is about $83 per month. That number can take a healthy cut if you secure discounts through your provider. Most homeowners insurance companies — including all five we evaluated — offer a variety.

Selecting a provider with discounts that match your circumstances can be a great way to keep premiums low. To illustrate how discounts can lead to premium savings, we compared a few similar discounts from Allstate and Nationwide.

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