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2024

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Best Local Car Insurance Agencies in Charlotte, NC

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Charlotte Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

404Reviewed

248Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

PO Box 2485, Huntersville, NC 28070

Expertise.com Rating

Review Sources

Google
4.9 (117)
Facebook
5.0 (31)
Yelp
5.0 (1)

Why choose this provider?

Locally-owned-and-operated, Summit Insurance Group has been providing insurance solutions to the greater North Carolina and South Carolina residents since 1995. As an independent agency, they are able to partner with multiple insurance carriers to provide automobile, business auto, truck, RV, jet skis, boats and motorcycle insurance policies tailored to their clients’ needs.  Policies typically include bodily injury liability, uninsured/under insured liability, property damage, medical payments, collision, comprehensive, rental and towing coverage.  Erie Insurance, State Auto, Nationwide and Travelers are just a few of its providers. Summit Insurance Group also writes home, business insurance, workers compensation and life insurance.

608 Matthews-Mint Hill Road, Matthews, NC 28105
WebsiteLicense: 1000007015

Expertise.com Rating

Why choose this provider?

Dean, Heckle & Hill, Inc., represents more than 50 insurance carriers that offer competitive products and services to cover property, liability, and medical coverage in case of car collisions and auto-related accidents. Established in 1981, the company caters to clients with either perfect or less than ideal history and looks for the right coverage to fit the client's situation. Existing clients can make changes to their policy directly from the company's website, which runs 24/7.

  • Multiple Carriers

PO Box 610, Indian Trail, NC 28079

Expertise.com Rating

Why choose this provider?

Established in 1948, Hemby Insurance & Associates, Inc. provides automobile insurance for personal and commercial customers in Indian Trail, North Carolina. Hemby Insurance is an independent agency that utilizes a wide variety of insurance carriers to meet clients' needs in the greater Charlotte metro area. Not only does Hemby Insurance offer liability and comprehension, but the company also provides roadside assistance, additional expense, and lien/loan gap coverages. For commercial vehicles, Hemby Insurance prepares customized protection plans to cater to all types of businesses.

3124 Eastway Dr Ste 550, Charlotte, NC 28205

Expertise.com Rating

Review Sources

Google
4.6 (47)
Facebook
4.6 (37)

Why choose this provider?

Since its founding in 1991, Johnson Insurance Management has grown to a team of agents in multiple offices providing insurance solutions to clients throughout North Carolina, including the Charlotte metro area. The agency's auto policies are customized to a drivers' needs with coverages such as liability, uninsured motorist, and property damage. By adding comprehensive coverage, car, truck, and motorcycle owners can receive compensation for damage due to fire, theft, and vandalism. Johnson Insurance Management also offers business and homeowners insurance.

215 Sardis Grove Ln, Matthews, NC 28105

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (4)

Why choose this provider?

Jim Boyce Insurance in Matthews, North Carolina, tailors auto insurance policies to meet the needs of drivers in the greater Charlotte area. Doing business since 1973, this family-owned independent insurance agency works with each individual driver to assess their auto insurance requirements. Bodily injury and property damage liability, collision, comprehensive, and other coverage types are available from the agency's network of partner affiliates, including reputable companies such as Dairyland Auto and Liberty Mutual.

4801 E Independence Blvd Ste 300, Charlotte, NC 28212

Expertise.com Rating

Review Sources

Google
4.8 (151)
Facebook
4.6 (21)
Yelp
5.0 (2)

Why choose this provider?

Latorre Insurance is an independent insurance agency based in Charlotte, North Carolina, with other offices in Greensboro. Since it was opened in 2003, the firm has been providing customers with customized auto insurance solutions from top insurance companies, such as Travelers, Heritage, and Blue Cross Blue Shield of North Carolina. The staff has bilingual capabilities, with communication available in English and Espanol. Latorre Insurance also offers business, property, and health and life insurance products.

319 Oakland Ave, Rock Hill, SC 29730

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
4.9 (7)

Why choose this provider?

Correll Insurance Group is an independent insurance company based in Rock Hill, South Carolina, and serving North and South Carolina since 1931. The company provides auto insurance for motorists from all walks of life, including teenagers, the elderly and recently licensed drivers. It offers multi-line discounts and safe driver incentives and discounts to reduce the cost of its policies. Corell Insurance Group also offers flood, vacation property, and homeowners insurance.

251 Post Office Dr Ste 3, Indian Trail, NC 28079

Expertise.com Rating

Review Sources

Google
5.0 (164)
Facebook
4.8 (123)
Yelp
5.0 (6)

Why choose this provider?

Spivey Insurance Group is a family owned insurance agency located in Indian Trail, North Carolina. They serve thousands of their neighbors throughout both North Carolina and South Carolina – families, individuals, businesses and nonprofits.They have an in-house team of highly experienced insurance professionals who share a philosophy of providing superior service to their clients. They’re also part of the Keystone Insurer’s Group of independent insurance agencies, which means that they have access to a broad array of the nation’s premier insurance products and companies. They’re able to provide all the advantages of a large national firm but with all the personal service and attention that only a local firm can offer.

247 Church St NE, Concord, NC 28025

Expertise.com Rating

Review Sources

Google
4.9 (119)
Facebook
4.9 (62)

Why choose this provider?

Founded in 2002, Trey Siner Insurance Group provides auto insurance to residents in the Charlotte, North Carolina, area. Based in Concord, the independent insurance agency offers liability, comprehensive, collision, medical payments, bodily injury, and uninsured/under-insured motorist coverage. It partners with Hagerty Insurance to insure classic cars. Trey Siner Insurance Group's website is equipped to allow customers to pay their bills and file auto accident claims online. The firm also offers life, boat, and commercial business insurance.

10105 Hickorywood Hill Ave Ste A, Huntersville, NC 28078

Expertise.com Rating

Review Sources

Google
4.9 (41)
Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

Located in Huntersville, North Carolina, the Fogle Insurance Group is an independent insurance agency serving the Greater Charlotte and Lake Norman region. A full-service agency, its advisers work with a number of carriers to provide people and businesses with the right auto insurance policy at the right price. It ensures each policy meets legal minimums and discusses recommended and optional add-ons like collision/comprehensive insurance to cover accident repairs and liability protection if a third party is injured.

1544 Matthews Mint Hill Rd Ste E, Matthews, NC 28105

Expertise.com Rating

Review Sources

Google
4.8 (27)
Facebook
5.0 (1)

Why choose this provider?

TGI Insurance Agency is an independent company located in Matthews, North Carolina, and serving the Charlotte metro area. The company represents numerous top insurance carriers, allowing it to offer customers a range of personal and commercial auto insurance options tailored to meet their needs. Among the vehicles it can provide coverage for are motorcycles, ATVs, dirt bikes, golf carts, and boats. TGI Insurance Agency also offers home and business insurance.

130 S Main St, Mount Holly, NC 28120

Expertise.com Rating

Review Sources

Google
4.9 (7)
Facebook
5.0 (1)

Why choose this provider?

Stowe Insurance Agency is an insurance company in Charlotte, North Carolina. For more than 100 years it has assisted clients in selecting and creating insurance plans that fit their needs. Its auto collision insurance pays for damage caused to vehicles in automobile accidents, and its comprehensive insurance covers damage to vehicles, including damage by theft, flood, and fires. The firm also works with a wide range of reliable insurance companies to provide personal and business insurance coverage.

2344 Ebenezer Rd, Rock Hill, SC 29732

Expertise.com Rating

Review Sources

Google
5.0 (39)

Why choose this provider?

Williams Insurance Services was founded in 1990 in Rock Hill, South Carolina. Its an independently owned brokerage that serves residents throughout North Carolina and South Carolina, including Charlotte. Its auto insurance policies are provided by well-known carriers including Travelers, Safeco, Progressive and National General. Typically, customers can choose from a policy that includes comprehensive and collision coverage or a liability-only policy . Williams Insurance Services also offers Home, Commercial, Boat, Motorcycle, RV, Rental Property and Flood Insurance. Williams Insurance service is a Better Business Bureau accredited company with a rating of A+.

6400 South Blvd Ste B, Charlotte, NC 28217

Expertise.com Rating

Review Sources

Facebook
4.8 (58)
Yelp
1.0 (2)

Why choose this provider?

Charlotte Insurance is an insurance agency based in Charlotte, North Carolina, founded in 1992 with a focus on automobile insurance. With two offices in Charlotte and a third in Cornelius, Charlotte Insurance provides bodily injury and property damage liability, collision, medical and personal injury protection, uninsured motorist coverage, and comprehensive coverage options to the greater Charlotte area. It also offers coverage for motorcycles, power sports, and RVs. Charlotte Insurance was ranked a Top 100 P/C Agency by Insurance Journal in 2017.

13925 Ballantyne Corporate Place Suite 425, Charlotte, NC 28277
WebsiteLicense: 1000346527

Expertise.com Rating

Review Sources

Google
4.8 (41)

Why choose this provider?

The Jordan Insurance Agency is a team of independent risk management professionals who serve individuals and businesses in Charlotte. Covered in its product line is auto insurance, which reimburses policyholders' losses in cases of collision, vandalism, and theft. It also provides liability protection in case policyholders' cars cause bodily injuries or property damages. The independent agency, which was established in 2006, works with multiple providers such as Allstate and Travelers, allowing it to find suitable coverages for clients and offer a full range of insurance products.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Summit Insurance Group
PO Box 2485, Huntersville, NC 28070
Dean, Heckle & Hill, Inc
608 Matthews-Mint Hill Road, Matthews, NC 28105
Hemby Insurance & Associates, Inc.
PO Box 610, Indian Trail, NC 28079
Johnson Insurance Management
3124 Eastway Dr Ste 550, Charlotte, NC 28205
Jim Boyce Insurance
215 Sardis Grove Ln, Matthews, NC 28105
Latorre Insurance
4801 E Independence Blvd Ste 300, Charlotte, NC 28212
Correll Insurance Group
319 Oakland Ave, Rock Hill, SC 29730
Spivey Insurance Group
251 Post Office Dr Ste 3, Indian Trail, NC 28079
Trey Siner Insurance Group
247 Church St NE, Concord, NC 28025
Fogle Insurance Group
10105 Hickorywood Hill Ave Ste A, Huntersville, NC 28078
TGI Insurance Agency
1544 Matthews Mint Hill Rd Ste E, Matthews, NC 28105
Stowe Insurance Agency
130 S Main St, Mount Holly, NC 28120
Williams Insurance Service
2344 Ebenezer Rd, Rock Hill, SC 29732
Charlotte Insurance
6400 South Blvd Ste B, Charlotte, NC 28217
The Jordan Insurance Agency
13925 Ballantyne Corporate Place Suite 425, Charlotte, NC 28277

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Are car owners required to purchase an auto insurance policy in Charlotte?

    Yes, car owners are required to purchase an auto insurance policy in Charlotte. According to the Vehicle Financial Responsibility Act of 1957, all automobiles registered under the state should be insured by a local insurance carrier. Those unable to address corresponding coverage lapses are subject to federal penalties within a $50-$150 bracket.

  • Can liability insurance protect you from damages and losses after a car accident in Charlotte?

    No, liability insurance cannot protect you from damages and losses after a car accident in Charlotte. Liability coverage only provides settlement payments for bodily harm and material damages sustained by the other person. Local drivers should contact insurance companies and purchase different auto policies, like medical and collision insurance, that meet their coverage needs.

  • How does an insurance underwriter calculate the cost of an auto policy in Charlotte?

    An insurance underwriter often looks at different factors before calculating the cost of an auto policy in Charlotte. They conduct careful risk assessments during underwriting procedures by reviewing information about an individual's car type, driving experience, insurance deductibles, and credit history. Those who are considered high-risk applicants are often charged with expensive premium costs.

  • What type of deductible should you choose when purchasing auto insurance policies in Charlotte?

    It depends. When choosing a deductible, you should look closely at your driving record and claims history in Charlotte. You should only get a higher deductible if you have good driving experience and have a low tendency to file car accident claims. A lower deductible is also a good option if you were involved in past car collisions and only want to pay a small out-of-pocket amount.

  • Should you still get auto insurance even if you don't own a vehicle in Charlotte?

    Yes, you should still consider getting auto insurance even if you don't own a vehicle in Charlotte. Non-owner auto policies are often purchased by individuals who regularly utilize car share services and drive rented vehicles. This type of insurance usually covers property damage and bodily injuries caused by the policyholder. Medical coverage can also be added to the auto insurance plan.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.