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Best Local Car Insurance Agencies in North Carolina

2024

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Providers

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Website
Asheville

Why choose this provider?

The Insurance Service of Asheville is a family-owned and locally operated independent insurance agency that serves individuals, families, and businesses from North Carolina. It offers a wide selection of auto insurance policies, with coverage options for bodily injury liabilities, uninsured and underinsured liabilities, property damages, and collisions. The other personal insurance products that the company provides include motorcycle, recreational vehicle, ATV, and boat insurance. The Insurance Service of Asheville has been in operation for more than six decades.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (20)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Fayetteville

Why choose this provider?

Total Insurance Center is a locally owned and operated agency that has been serving both residential and commercial clients in North Carolina for more than three decades. It offers a wide variety of auto insurance policies that include liability only and full coverage options. The other products that the company provides include motorcycle, boat, RV, life, and health insurance. Shannon Suggs, a licensed agent herself, has been managing Total Insurance for more than 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (46)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Durham

Why choose this provider?

The Insurance Pros is an independent agency that serves individuals, families, and businesses in North Carolina. It offers car insurance that provides liability, comprehensive, ancillary medical, and car rental coverages. The agency also crafts health, life, and business insurance plans from multiple insurance carriers, such as Banner Life and Hagerty. Co-owners Charlie Dickerson and Tim Foster founded the agency in 2008. They lead a team that is committed to providing quality service by striving to understand the unique circumstances and goals of clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (104)
Facebook
5.0 / 5 (40)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Asheville

Why choose this provider?

Since 1989, independently owned and operated Western Heritage Insurance Agency, Inc., has been serving clients in North Carolina. It provides car insurance policies that protect policyholders against financial losses due to accidents and other unforeseen events. Its agents examine the unique circumstances of clients, which serve as the basis in formulating policies tailored to their needs and budgets. The agency represents a variety of insurance providers, such as MetLife, National General, and Progressive. Its staff has more than 100 years of combined experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.9 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Gastonia

Why choose this provider?

Pegram & Noyes Insurance Agency is a locally operated company that serves the residents of North Carolina. It provides auto insurance policies with bodily injury liability, property damage liability, uninsured or underinsured motorist, and comprehensive and collision coverage options. It also offers non-owner and rideshare driver auto insurance plans. Pegram & Noyes has been in operation for more than three decades. The company works with various carriers, such as AAA, State Auto Insurance, and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Asheville

Why choose this provider?

McKinney Insurance Services is an independent, full-service, family-owned, and family-operated agency that serves individuals, families, and businesses in North Carolina. It provides a wide variety of insurance policies for cars, recreational vehicles, specialty automobiles, commercial automobiles, and boats and watercrafts. Other insurance products that it offers include homeowners', renters', life, flood, and business insurance. McKinney Insurance Services has been in operation for more than three decades. The company can also serve clients in Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (165)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Charlotte

Why choose this provider?

Pegram Insurance is a local independent agency that provides the most competitive personal and commercial insurance lines in North Carolina. It offers auto and home insurance that provides financial protection for policyholders against financial losses due to accidents and unforeseen events. The agency provides insurance policies for drivers with DUI/DWI offenses and Named Non-owners for those who do not own a vehicle. Its agents write services from a variety of insurance carriers, including Nationwide, Travelers, National General, and Progressive. The agency encourages its agents to develop new ideas through continuing education.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (910)
Facebook
4.2 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Clover

Why choose this provider?

Sifford-Stine Insurance Agency has been helping individuals, families, and businesses in North Carolina since 1934. It offers auto insurance policies that provide collision, comprehensive, liability, and no-fault coverage options. Its team of insurance professionals serves as consultants for clients by examining their unique circumstances and needs. They evaluate coverage plans on a regular basis to stay on top of clients' evolving insurance needs. The agency also has insurance products for homes and businesses from several insurance carriers, including Allstate Insurance, Assurant Health, and Auto-Owners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Cary

Why choose this provider?

Lipstone Insurance Group is an independent locally owned agency that has been serving clients in North Carolina since 1993. It offers the cheapest car insurance policies that cover liabilities, medical expenses, extended transportation expenses, and uninsured/underinsured motorist claims of policyholders. The agency also provides home, workers' compensation, and life insurance plans. Its agents assist clients in purchasing coverage options that fit their unique circumstances and goals. Lipstone Insurance Group also educates clients on the conditions included in their insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (121)
Facebook
5.0 / 5 (75)
Yelp
4.3 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Winston-Salem

Why choose this provider?

Peak Insurance Group is an independent agency that serves clients throughout North Carolina. It provides insurance plans for car owners looking to financially protect themselves against collisions and other catastrophic events. The company also offers insurance products for business owners, landlords, and renters. Its agents take a proactive approach to policy writing by anticipating various scenarios that may arise for their clients. Brent Johnson, the agency's president, is active in several community organizations, including the Make-A-Wish Foundation and the American Red Cross.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Wilmington

Why choose this provider?

Atlantic Coast Insurance Agency serves clients in North Carolina. It offers the best car insurance policies that provide collision, comprehensive, personal injury, and uninsured or underinsured motorist coverage. The agency also provides insurance products for homeowners, renters, general liabilities, and boats. Atlantic Coast Insurance has three decades of experience in the industry. Commited to providing insurance services tailored to clients' needs and plans, a large portion of its business comes from repeat clients and referrals.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (64)
Facebook
5.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Conover

Why choose this provider?

Jason Herman Insurance Agency is a locally operated full-service independent insurance agency that serves the residents of North Carolina. It provides some of the cheapest auto insurance policies with coverage options such as liability, loss of use, medical expense, and roadside assistance coverage. It also offers insurance policies for motorcycles, ATVs, RVs, and boats and personal watercrafts. Owner Jason Herman has been working in the insurance industry for more than 15 years. The company is a member of the Catawba County Chamber of Commerce.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (75)
Facebook
4.5 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Asheville

Why choose this provider?

Sheppard Insurance Group - Asheville is a family-owned company that has been serving individuals, families, and businesses in North Carolina for more than a century. It offers auto insurance policies for a wide range of vehicles, including vans, collector cars, motor homes, trucks, and motorcycles. The other products that it handles include homeowners', life, disability, and business insurance. The agency works with a variety of carriers, including State Auto Insurance and Auto-Owners Insurance, to provide its clients with the best policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (34)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Asheville

Why choose this provider?

The Juengel Agency is a family-owned and locally operated company that serves both residential and commercial clients in North Carolina. It crafts a wide selection of insurance policies for cars, motorcycles, RVs, ATVs, and boats. The other products that it provides include homeowners', renters', condo, life, and umbrella insurance. The company also offers loan processing and claims handling services for mortgage brokers and originators. The Juengel Agency has been in operation for more than seven years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (95)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Gastonia

Why choose this provider?

Watson - Gastonia is a full-service insurance agency that serves clients in North Carolina. It offers auto insurance that protects individuals against financial losses and the difficulty of having no transportation. Its auto insurance policies cover medical expenses and damages caused by policyholders to other cars in traffic collisions. It partners with multiple insurance carriers, such as Progressive, AIG, and AmTrust. Watson also takes a proactive approach to developing the best insurance policies by anticipating its clients' needs. Thomas Craig Watson Sr. founded the agency in 1934.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (144)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Belmont

Why choose this provider?

Allcare Insurance Services, Belmont is an independent insurance agency that has been serving the residents of North Carolina for more than three decades. It provides cheap auto insurance policies that protect clients against the medical and legal expenses of property damage, personal injury, and loss of life. The company also offers insurance policies for classic cars, motorcycles, ATVs, RVs and motorhomes, and boats. It works with an array of insurance carriers such as National General Insurance, Progressive, and Utica.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (35)
Google
4.7 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Concord

Why choose this provider?

Allen and Ballard Insurance Associates is an agency that serves individuals and businesses in North Carolina. It offers car insurance that comes with liability and comprehensive coverages. These take care of the policyholders' financial responsibilities for injuring others and reimbursements of losses from theft, fire, and other catastrophic events. The agency also provides home, business, life, general liability, and workers' compensation insurance plans. Being independent allows it to compare the best policies and coverage options from multiple carriers, such as Travelers, Atlas, Erie Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (66)
Facebook
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
High Point

Why choose this provider?

Paramount Insurance Agency is a locally operated independent company that has been serving both residential and commercial clients in North Carolina for more than two decades. It offers auto insurance policies with liability coverages such as bodily injury, property damage, and uninsured motorist or underinsured motorist. Other insurance policies that the company provides include motorcycle, recreational vehicle, and boat insurance. Founder Tom Wiecek holds the Certified Insurance Counselor designation. Paramount Insurance Agency, the number one in the state, has served thousands of clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.

  • 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.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

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