North Carolina's auto insurance market includes powerful players that focus on vehicular protection and risk management. This sector not only secures consumer vehicles but also enhances financial stability by mitigating losses from accidents. Agencies range from large corporate entities to smaller, family-owned businesses, each offering tailored policies that accommodate varying needs—from standard liability to specialized coverages. Technological advancements are reshaping the industry, with digital platforms turning insurance purchasing and claims processing into more efficient experiences. As regulatory changes and competition grow, these companies are re-evaluating strategies to adapt to consumer preferences and emerging market trends.


This listing highlights 21 notable auto insurance companies based in North Carolina, showcasing a mix of company sizes and specializations. From established firms like National General, founded in 1920, to newer agencies like Movement Insurance, the companies vary in workforce and services offered. Operating from cities such as Raleigh and Charlotte, these firms specialize in a range of insurance policies, including auto, home, and commercial insurance, reflecting their commitment to both individual consumers and businesses.


Continue reading to explore the top auto insurance companies in North Carolina.


Top 21 Auto Insurance Companies in North Carolina


1. North Carolina Farm Bureau Mutual Insurance Company

  • Website: ncfbins.com
  • Ownership type: Private
  • Headquarters: Raleigh, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1953
  • Headcount: 1001-5000
  • LinkedIn: nc-farm-bureau

North Carolina Farm Bureau Mutual Insurance Company, founded in 1953, is a private, non-profit insurance provider based in Raleigh, North Carolina. The company specializes in a range of insurance products, including auto, homeowners, renters, life, health, and farm insurance. With a workforce of approximately 1,884 employees, they have established a robust presence in the state, with agents available in every county. This local approach allows them to cater to the unique needs of North Carolinians, ensuring that their insurance offerings are relevant and accessible. The company has built a reputation for quality service and community involvement, which is reflected in their commitment to understanding the specific risks faced by their clients. They manage over $2.2 billion in assets and write more than $1 billion in premiums annually, demonstrating their significant role in the insurance market. Their financial stability is underscored by an A rating from A.M. Best, indicating their ability to fulfill policyholder claims and maintain a strong operational footing.


2. National General

  • Website: nationalgeneral.com
  • Ownership type: Corporate
  • Headquarters: Winston-Salem, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 98%, Other 2%
  • Latest funding: $3.7B, July 2020
  • Founded year: 1920
  • Headcount: 5001-10000
  • LinkedIn: national-general-insurance

National General Insurance, Inc., based in Winston-Salem, North Carolina, has been serving customers since 1920. The company offers a variety of insurance products, prominently featuring auto insurance alongside home and health coverage. As part of the Allstate family, National General benefits from a robust backing that enhances its operational capabilities. The company prides itself on its extensive network of independent agents, which exceeds 55,000 across the United States. This network not only facilitates access to insurance services but also ensures personalized support for policyholders. National General emphasizes customer service, providing a professional claims response team to assist clients when they need it most. Their commitment to protecting assets and managing risks is evident in their comprehensive offerings, which include specialized products for vehicles, RVs, and motorcycles, as well as home insurance options.


3. Central Carolina Insurance Agency Inc

  • Website: centralcarolina.com
  • Ownership type: Private
  • Headquarters: Salisbury, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1931
  • Headcount: 11-50
  • LinkedIn: central-carolina-insurance

Central Carolina Insurance Agency Inc, established in 1931, is a private insurance agency based in Salisbury, North Carolina. With a workforce of approximately 44 employees, the agency specializes in providing a variety of insurance products, including auto, home, business, and life insurance. They cater to both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance solutions. The agency prides itself on its customer service, offering personalized assistance to meet the unique needs of its clients. Central Carolina Insurance Agency has built a solid reputation over the decades, evidenced by positive client testimonials that highlight their responsiveness and expertise. They operate multiple locations in North Carolina, serving communities such as Salisbury, Concord, and Mooresville, and are dedicated to ensuring that their clients receive the best possible coverage and support.


4. Discovery Insurance

  • Website: discoveryinsurance.com
  • Ownership type: Corporate
  • Headquarters: Kinston, North Carolina, United States (USA)
  • Employee distribution: South Africa 85%, United States (USA) 15%
  • Latest funding: November 2015
  • Founded year: 1993
  • Headcount: 11-50
  • LinkedIn: discovery-insurance

Discovery Insurance Company, founded in 1993 and based in Kinston, North Carolina, specializes in automobile insurance services. The company offers a variety of coverage options, including liability, medical payments, and uninsured motorist coverage, primarily targeting individuals and families in North Carolina. Discovery Insurance operates through a network of independent agents, which allows for personalized service and a better understanding of local customer needs. The company emphasizes its commitment to customer satisfaction and strives to maintain underwriting discipline and a solid claims philosophy. With a workforce of approximately 109 employees, Discovery Insurance is focused on growing its presence in the nonstandard automobile insurance sector, aiming to provide quality and affordable insurance products to its clientele.


5. Kornegay Inc Insurance


Kornegay Inc Insurance, founded in 1989, is a private insurance agency based in Mount Olive, North Carolina. With a team of 11 to 50 employees, the company provides a variety of insurance products, including auto, home, business, health, life, and recreational vehicle insurance. They serve both individual consumers and businesses, focusing on delivering essential coverage to mitigate risks and financial losses. The agency operates from two locations in North Carolina, allowing them to maintain a strong local presence. Their knowledgeable staff is dedicated to assisting clients in selecting the right insurance policies tailored to their specific needs, showcasing their commitment to customer service and community engagement.


6. Fortner Insurance Agency


Fortner Insurance Agency, based in Spruce Pine, North Carolina, has been serving clients since 1919. This independent insurance agency provides a variety of insurance products, including auto, home, health, and commercial insurance. With a team of 22 employees, Fortner Insurance Agency is dedicated to helping both individuals and businesses manage risks and protect their assets through customized insurance solutions. Their commitment to customer service is evident in their approach, which prioritizes understanding client needs and offering competitive coverage options. As a Trusted Choice Agent, Fortner Insurance Agency is recognized for its integrity and strong relationships with both clients and insurance providers. They operate multiple locations in North Carolina, further extending their reach and accessibility to clients in the region.


7. Movement Insurance

  • Website: movementinsurance.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2010
  • Headcount: 11-50
  • LinkedIn: movement-insurance

Movement Insurance, founded in 2010 and based in Charlotte, North Carolina, is a private insurance agency that offers a variety of insurance products, including vehicle, property, business, and life insurance. The company prides itself on exceptional customer service, aiming to provide both individual and business clients with the right coverage to protect their assets and manage risks effectively. Movement Insurance operates with a team of 11-50 employees, focusing on building strong relationships with clients through personalized service. They utilize technology to streamline the insurance process, ensuring that clients can obtain quotes quickly and efficiently. Their agents are dedicated to guiding customers through the complexities of insurance, making the experience as straightforward as possible. Movement Insurance is committed to fostering a positive corporate culture, which reflects in their high customer retention rates and community involvement.


8. Able Insurance Agency

  • Website: ableautoinsurance.com
  • Ownership type: Family Owned
  • Headquarters: Wilmington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1989
  • Headcount: 11-50
  • LinkedIn: able-auto-cycle-insurance

Able Insurance Agency, founded in 1989 and based in Wilmington, North Carolina, is a family-owned insurance agency that specializes in a wide array of insurance products. The agency caters to both individual consumers and businesses, providing tailored solutions that include vehicle, property, personal, and business insurance. With a team of 26 employees, Able Insurance emphasizes personalized service, ensuring that clients receive the right coverage at competitive rates. They operate primarily in North Carolina and South Carolina, with multiple locations including Wilmington, Asheville, Clinton, and Edenton. The agency prides itself on its local roots and commitment to customer satisfaction, offering a range of vehicle insurance options from standard car coverage to specialized policies for motorcycles and classic cars. Their approach to insurance is straightforward, focusing on simplifying the process for clients and providing real human support rather than automated services.


9. SureVest Insurance Group LLC


SureVest Insurance Group LLC, founded in 2003 and based in Raleigh, North Carolina, is an independent insurance agency that provides a wide array of insurance products, including auto, homeowners, life, and business insurance. With a team of 11 to 50 employees, the agency prides itself on delivering personalized service to both individual consumers and businesses. SureVest emphasizes community engagement, actively supporting local causes and initiatives, which reflects their commitment to social responsibility. Their approach combines industry knowledge with a focus on understanding client needs, ensuring that they can offer tailored insurance solutions. The agency's positive client feedback underscores their effectiveness in managing claims and providing reliable service, making them a noteworthy player in the auto insurance sector.


10. Latorre Insurance


Latorre Insurance is an independent insurance agency located in Charlotte, North Carolina, with additional offices in Greensboro and Raleigh. Founded in 2003, the agency specializes in a wide array of insurance products, including auto, commercial, property, health, and life insurance. Latorre Insurance serves both individual clients and businesses, helping them navigate the complexities of risk management and asset protection. The agency prides itself on providing personalized service, ensuring that clients receive tailored insurance solutions that meet their specific needs. With a strong emphasis on customer satisfaction, Latorre Insurance has built a reputation for reliability and responsiveness in the insurance market. They work with a network of trusted insurance carriers, which allows them to offer competitive options for auto insurance and other coverage types. Their bilingual services further enhance their accessibility to a broader clientele in North and South Carolina.


11. James E Moore Insurance Agency, Inc.

  • Website: jamesemoore.com
  • Ownership type: Family Owned
  • Headquarters: Wilmington, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1954
  • Headcount: 11-50
  • LinkedIn: james-e-moore-insurance

James E Moore Insurance Agency, Inc. is a family-owned insurance agency based in Wilmington, North Carolina, founded in 1954. With a team of 17 employees, the agency has built a reputation for providing a wide range of insurance products, including personal, commercial, life, and health insurance. They focus on helping both individual consumers and businesses navigate the complexities of insurance. The agency prides itself on offering personalized service, ensuring that clients receive tailored advice and options that meet their specific needs. They have served over 8,000 clients in the Cape Fear Region, emphasizing their commitment to understanding customer needs and making a positive impact in their lives. Their website highlights various insurance products, including auto insurance, which is a significant part of their offerings. The agency operates independently, which allows them to present clients with a variety of options from different insurance carriers, enhancing their ability to find the best coverage at competitive rates.


12. Coastline Insurance Associates of NC, Inc


Coastline Insurance Associates of NC, Inc, founded in 2010, is a private insurance agency based in Southport, North Carolina. With a team of 11 to 50 employees, the agency provides a range of insurance products, including auto, home, business, and specialty insurance. They cater to both individual consumers and businesses, focusing on risk management and asset protection through customized insurance solutions. The agency prides itself on its responsive and professional service, aiming to build lasting relationships with clients. Coastline Insurance is also a member of the Professional Insurance Agents of NC and the Independent Insurance Agents of NC, which underscores their commitment to staying informed about industry changes and best practices. Their local expertise, particularly in coastal property insurance, positions them well to serve clients in the region.


13. IGO Insurance Agency

  • Website: igoinsurance.com
  • Ownership type: Private
  • Headquarters: Raleigh, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2013
  • Headcount: 11-50
  • LinkedIn: igo-insurance-agency-inc

IGO Insurance Agency, based in Raleigh, North Carolina, has been providing insurance services since its founding in 2013. The agency offers a wide array of insurance products, including personal, business, and life insurance. Notably, they have a strong focus on auto insurance, catering to both individual consumers and businesses. As an independent agency, IGO Insurance Agency represents multiple insurance carriers, allowing them to offer tailored coverage options that meet the specific needs of their clients. Their roots trace back to 1970 when they were established to serve the automotive repair industry, which has shaped their expertise in auto insurance. The agency prides itself on customer service, risk management, and maintaining strong relationships with clients, ensuring they receive fair and prompt service. IGO Insurance Agency operates in several states, including North Carolina, Georgia, South Carolina, Tennessee, and Virginia, and continues to uphold a legacy of quality service and comprehensive coverage.


14. Insurance Associates of the Triad

  • Website: iatriad.com
  • Ownership type: Private
  • Headquarters: Asheboro, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1949
  • Headcount: 11-50
  • LinkedIn: insurance-associates-of-the-triad

Insurance Associates of the Triad, established in 1949, is an independent insurance agency based in Asheboro, North Carolina. With a team of 11 to 50 employees, the agency specializes in a range of insurance products, including personal, business, and life & health insurance. They cater to individuals, families, and businesses throughout North Carolina, providing tailored insurance solutions to meet specific needs. The agency prides itself on its commitment to customer service and community involvement, having been recognized as the Asheboro/Randolph Chamber of Commerce 'Business of the Year'. Their independent status allows them to represent multiple top-rated insurance carriers, enabling them to offer competitive rates and customized coverage options. The agency's focus on local engagement and support for community initiatives further underscores their dedication to the region they serve.


15. Marshall Insurance

  • Website: marshallins.net
  • Ownership type: Private
  • Headquarters: Stallings, North Carolina, United States (USA)
  • Founded year: 2001
  • Headcount: 1-10
  • LinkedIn: marshallins

Marshall Insurance, based in Stallings, North Carolina, is an independent insurance agency that has been operating since 2001. Founded by Gary Sides, who has extensive experience in insurance marketing, sales, and underwriting, the agency has grown from humble beginnings to three locations across North Carolina and South Carolina. Marshall Insurance offers a range of insurance products, with a strong emphasis on auto insurance, alongside home, business, and life insurance. The agency prides itself on providing personalized solutions tailored to the unique needs of its clients, ensuring that both individuals and businesses can effectively manage their risks. With a focus on customer service, Marshall Insurance has garnered positive reviews from clients, highlighting their responsiveness and commitment to client satisfaction. The agency represents a carefully selected group of reputable insurance companies, allowing them to offer competitive coverage options. Marshall Insurance does not have any reported funding, indicating that it operates as a privately owned entity without external financial backing.


16. Lowry Insurance

  • Website: lowryassoc.com
  • Ownership type: Private
  • Headquarters: Charlotte, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1994
  • Headcount: 11-50
  • LinkedIn: lowryclt

Lowry Insurance, established in 1994, is an independent insurance agency based in Charlotte, North Carolina. With nearly 30 years of experience, the agency specializes in providing tailored insurance solutions for both individuals and businesses. Their offerings include personal insurance, business insurance, and international insurance, with a strong emphasis on auto insurance as part of their personal lines. Lowry Insurance prides itself on building quality relationships with clients, ensuring that each policy is customized to meet unique needs. Their commitment to integrity and customer service is evident in their operations, and they have developed a reputation for reliability in the insurance market. The agency operates multiple locations in North Carolina and South Carolina, allowing them to serve a broad client base effectively.


17. LifeStore Insurance

  • Website: lifestoreinsurance.com
  • Ownership type: Private
  • Headquarters: West Jefferson, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1997
  • Headcount: 11-50
  • LinkedIn: lifestore-insurance

LifeStore Insurance, founded in 1997, operates as an independent insurance agency in North Carolina. With a network of seven offices, the company provides a wide range of insurance products, including personal, business, and employee benefits insurance. LifeStore emphasizes customer service and community involvement, which are central to their operations. They work with over 25 insurance carriers, enabling them to offer competitive pricing and customized insurance solutions. The agency is also involved in industry organizations, such as the Independent Insurance Agents Association of North Carolina, which enhances their credibility and commitment to professional standards. LifeStore's team is well-trained, with many employees holding professional designations, ensuring that clients receive knowledgeable guidance in selecting their insurance policies.


18. Miller Insurance Agency

  • Website: millerinsurance.org
  • Ownership type: Private
  • Headquarters: West Jefferson, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1950
  • Headcount: 1-10
  • LinkedIn: miller-insurance-agency-nc

Miller Insurance Agency, established in 1950, is a family-owned insurance agency located in West Jefferson, North Carolina. With a small team of dedicated professionals, the agency specializes in providing a variety of insurance products, including car, life, commercial, RV, and home insurance. Their focus is on delivering personalized service and building strong relationships with clients, which they consider essential in the insurance business. The agency operates as an independent entity, allowing them to offer a range of options tailored to the specific needs of their customers. Their long-standing presence in the community and commitment to customer satisfaction have made them a trusted choice for individuals and businesses seeking insurance coverage in Ashe County and beyond.


19. Hartsfield & Nash Insurance Agency, Inc.


Hartsfield & Nash Insurance Agency, Inc. is a private insurance agency based in Wake Forest, North Carolina, with a history dating back to 1899. The agency specializes in providing a wide array of insurance solutions, including personal, business, and employee benefits insurance. With a dedicated team of licensed insurance advisors, they assist both individual consumers and businesses in navigating the complexities of insurance to ensure proper asset protection. The agency operates primarily in Wake Forest, NC, and is licensed in over 35 states, allowing them to serve a broad client base. Their focus on personalized service and building trusted relationships with clients has been a cornerstone of their operations for over a century. Hartsfield & Nash is also affiliated with Erie Insurance, which further enhances their offerings in the auto insurance sector. The agency prides itself on its community involvement and commitment to client satisfaction, making it a relevant player in the insurance industry.


20. Protective Agency

  • Website: protectiveagency.com
  • Ownership type: Private
  • Headquarters: High Point, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1939
  • Headcount: 11-50
  • LinkedIn: protective-agency

Protective Agency, founded in 1939 and based in High Point, North Carolina, is an insurance agency that specializes in a wide array of insurance products, prominently featuring auto insurance. With a workforce of 11-50 employees, the agency has built a reputation for providing affordable coverage options tailored to individual consumers and businesses throughout North Carolina. Their services include not only standard car insurance but also specialized offerings such as motorcycle, commercial vehicle, and RV insurance. Protective Agency prides itself on its ability to cater to various customer needs, including those of drivers with challenging records. Their extensive experience in the industry allows them to offer competitive rates and flexible payment options, making them a reliable choice for clients seeking insurance solutions. The agency operates 17 locations across North Carolina, ensuring accessibility and local support for their clients.


21. Insurance Service Center

  • Website: iscfay.com
  • Ownership type: Private
  • Headquarters: Fayetteville, North Carolina, United States (USA)
  • Employee distribution: United States (USA) 65%, India 27%, Iran 4%, Other 4%
  • Founded year: 1975
  • Headcount: 11-50
  • LinkedIn: insurance-service-center

Insurance Service Center (ISC) is a private insurance agency based in Fayetteville, North Carolina, founded in 1975. With a workforce of 11-50 employees, ISC specializes in a wide array of insurance products, including auto, home, life, and business insurance. The agency serves both individual consumers and businesses, providing tailored insurance solutions to meet specific needs. ISC operates multiple locations across North Carolina, emphasizing customer service and satisfaction. Over the years, they have built strong relationships with more than 30 insurance carriers, allowing them to offer competitive rates and a variety of coverage options. ISC has successfully insured over 10,000 drivers, showcasing their commitment to protecting families and businesses in the region. Their focus on local engagement and community service further solidifies their role in the auto insurance industry.



Auto Insurance Insights: Key Companies in North Carolina


CompanyHeadquarterSizeFoundedOwnership
North Carolina Farm Bureau Mutual Insurance CompanyRaleigh, North Carolina, United States (USA)1001-50001953Private
National GeneralWinston-Salem, North Carolina, United States (USA)5001-100001920Corporate
Central Carolina Insurance Agency IncSalisbury, North Carolina, United States (USA)11-501931Private
Discovery InsuranceKinston, North Carolina, United States (USA)11-501993Corporate
Kornegay Inc InsuranceMount Olive, North Carolina, United States (USA)11-501989Private
Fortner Insurance AgencySpruce Pine, North Carolina, United States (USA)11-501919Private
Movement InsuranceCharlotte, North Carolina, United States (USA)11-502010Private
Able Insurance AgencyWilmington, North Carolina, United States (USA)11-501989Family Owned
SureVest Insurance Group LLCRaleigh, North Carolina, United States (USA)11-502003Private
Latorre InsuranceCharlotte, North Carolina, United States (USA)11-502003Private
James E Moore Insurance Agency, Inc.Wilmington, North Carolina, United States (USA)11-501954Family Owned
Coastline Insurance Associates of NC, IncSouthport, North Carolina, United States (USA)11-502010Private
IGO Insurance AgencyRaleigh, North Carolina, United States (USA)11-502013Private
Insurance Associates of the TriadAsheboro, North Carolina, United States (USA)11-501949Private
Marshall InsuranceStallings, North Carolina, United States (USA)1-102001Private
Lowry InsuranceCharlotte, North Carolina, United States (USA)11-501994Private
LifeStore InsuranceWest Jefferson, North Carolina, United States (USA)11-501997Private
Miller Insurance AgencyWest Jefferson, North Carolina, United States (USA)1-101950Private
Hartsfield & Nash Insurance Agency, Inc.Wake Forest, North Carolina, United States (USA)11-501988Private
Protective AgencyHigh Point, North Carolina, United States (USA)11-501939Private
Insurance Service CenterFayetteville, North Carolina, United States (USA)11-501975Private


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