Best Insurance Companies in North Carolina 2022

November 9, 2021by Grace1
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Are you still unsure of the best insurance companies you can insure your business, health, car or even for homeowners in North Carolina?

Have you been dissatisfied by the services of some insurance providers in the state?

Do you seek an insurance company that offers the quotes in such a short time with affordable cost in North Carolina?

This piece answers that question and more. 

We have carefully articulated this article to bring you answers to questions that plague your mind on the companies you can insure your properties.

Besides that, we also talked about what it would cost you to insure your cars, homes, health and businesses.

However, if you would like to compare insurance policies and companies across other states in the USA, simply click on the related post below.

5 Best Car Insurance Companies in North Carolina

Based on our review on the largest auto companies by market share in the Tar Heel State.

We came up with a list of the best top-rated auto insurance companies in North Carolina.

Basically, we considered the average premium, policy features and discounts.

Also, we reviewed their insurance coverage against other viable options and the customer satisfaction rate. 

Below is a list of the best car insurance companies in North Carolina;

#1. Geico

Geico is one of the auto insurance companies in North Carolina that has a reputation for its signature catchphrase, “15 minutes could save you 15% or more on car insurance.” 

Basically, the company runs on that quote. 

Also, Geico is a good option for North Carolinaian  drivers who have a low budget.

Geico car insurance costs about $835 annually. 

But the sad news is that Geico does not offer many unique coverages.

And for J.D. Power for claims service, they are below-average scores.

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#2. State Farm

If you’re looking forward to working with a large car insurance company, then State Farm is a good consideration.

State Farm is actually the largest auto insurance company in the USA with an insurance cost of $958 per year.

Peculiar to this insurance provider is the wide network of local agents. 

Also with their mobile tools, customers have easy access to their policies.

They can also file claims, make payments and call for roadside assistance via the app. 

Although J.D. Power ranks State Farm above average, the company received a higher-than-average overall complaint index score from the NAIC.

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#3. Nationwide

Next on our list of best a insurance companies in North Carolina is Nationwide.

Besides car insurance, Nationwide offers other types of insurance, banking services and financial planning. 

But on the flip side, this insurance provider does not have a strong digital platform.

This makes it not a good option for customers who want to run their services online. 

In addition to that, they rank low in shopping and service categories in the 2021 J.D. Power U.S. Insurance Digital Experience Study.

A car insurance with Nationwide costs about $1,374 per year.

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#4. North Carolina Farm Bureau

According to the 2021 J.D. Power U.S. Auto Insurance Study, Farm Bureau is a top rated auto insurance company.

A car insurance with North Carolina Farm Bureau costs about $1,107 in a year.

It’s worthy of note that the Farm Bureau works through independent agents.

This makes it easy for their clients to work with the company in person.

But on the flip side, Farm Bureau covers only a car’s basic needs with little or no options for personalization.

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#5. Allstate

Allstate is one of the car insurance companies in North Carolina that is affordable and recognised.

The company offers excellent insurance coverage options which includes sound system coverage, etc.

If you need local agents, they are available across North Carolina.

But keep in mind that her rate is higher than North Carolina’s average.

A car insurance with Allstate costs $1,633 in a year.

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4 Best Business Insurance Companies in North Carolina

North Carolina owns the ninth highest number of small businesses in the nation. 

Besides that, the state has 44.3% of workers in the private workforce.

What this insinuates is that whether you own a business or you work for a business firm in North Carolina, you need business insurance.

To that stead, we bring you the best affordable business insurance providers in North Carolina.

Your choice is valid because this list is well articulated according to customer’s satisfaction records and J.D power analysis.

The list includes;

#1. Hartford

Hartford is the number one top business insurance company in the USA as a whole.

Basically, they have an amazing client’s stellar reviews which validates their claim as one of the business insurance companies in North Carolina. 

Also, Hartford has an insurance policy to accommodate your business whether big or small.

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#2. Progressive

Next on our list of the best business insurance providers in North Carolina is Progressive.

Basically, Progressive is best known to cover self employed business people.

Also, by using the Progressive Advantage® Business Program, clients can have access to different types of insurance products small business owners need. 

However, you should know that Progressive insurance providers via 3rd party carriers. 

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#3. InsuredOn

InsuredOn is a licensed business insurance provider in North Carolina.

This is one of the business insurance companies in North Carolina that provides a range of insurance services.

So whether you’re looking for insurance in cyber, professional, general liability, workers compensation or commercial auto insurance, InsuredOn covers them.

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#4. Hiscox 

Hiscox is one of the business insurance companies in North Carolina that offers coverage for small businesses.

Generally, gehy cover for general and professional liability as well as business owners policy.

Also, this insurance provider offers coverage for different professions.

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Best Insurance Companies in North Carolina 2022
Best Insurance Companies in North Carolina 2022

5 Best Homeowners Insurance Companies in North Carolina

North Carolina is a state in the US that is affected by temperate weather and damaging hurricanes.

Because their climate is almost unpredictable and moody, homeowners are at the risk of home wreckage caused by storms.

Hence the need for homeowners insurance.

Purchasing insurance from one of the best homeowners insurance companies in North Carolina will safeguard your property from disasters.

Therefore, we bring you a comprehensive list that leads you to the best homeowners insurance companies in North Carolina.

#1. Allstate

Most North Carolinaians pick Allstate as the overall best homeowners insurance provider.

Also, Allstate has excellent customer service, good reputation, many discounts and additional coverage options. 

If you want to work with insurance agents, Allstate has many agents in North Carolina.

However, insurance costs for homeowners in North Carolina costs $1,298  in a year with $2,500 deductible. 

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#2. State Farm

Next on our list of North Carolina’s homeowners insurance companies is State Farm.

In a bid to increase accessibility, State Farm connects prospective customers and policyholders to a specific local agent.

And just in case you need extra guidance, the state farm website has resources to guide you.

Although State farm’s homeowners  insurance cost about $1,330 with $2,500 deductible, a bundled policy with auto insurance will cost $865 a year.

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#3. Nationwide

Are you looking for something extra on your homeowners policy?

Do you want something more than the standard home insurance coverages?

Then Nationwide homeowners insurance is what you need.

With Nationwide’s home insurance policy, you have an extensive list of add-ons and endorsements in the standard quote. 

Homeowners insurance costs in Nationwide costs $1,233 in a year with $1,000 deductible.

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#4. Liberty Mutual

Another insurance company in our list of best insurance companies in North Carolina for homeowners is Liberty Mutual.

If you’re looking for a home insurance provider with a lot of discounts, then this is it.

Liberty Mutual allows you to get a quote and check if there are opportunities for savings. 

Homeowners insurance costs about $1,296 in a year with $2,500 deductible. 

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#5. USAA

Because North Carolina is the 4th state with the most active military service members, USAA is a good option for military personnels and their families.

Besides homeowners insurance, USAA offers other services such as banking and insurance products.

The cost of insurance with USAA depends on eligibility and personal information.

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5 Best Health Insurance Companies in North Carolina

If you’re looking for health insurance providers in North Carolina, you’re sure to find the best pick here.

Although each of the health insurance companies offers different varieties of policies, you may find one that embodies many health coverage in North Carolina.

#1. Blue Cross and Blue Shield of NC

BCBS is a medical insurance company that offers plans through regional companies within and outside North Carolina.

What this means is that you must look to your regional health insurance company for some specific policies. 

And that is usually a herculean task.

BCBS North Carolina has an almost nonfunctional online platform which makes reaching customer service very difficult.

Besides that, BCBS offers coverage in all 50 states of the USA. 

Also, they cover both generic and brand-name drugs with a wide network of doctors, hospitals and specialists.

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#2. Bright Healthcare

Bright HealthCare is one of the diversified health insurance companies in North Carolina.

They have a financing and distribution platform that aggregates and delivers healthcare benefits to over 663,000 clients

Also, Bright HealthCare has a health insurance service platform designed to deliver a quality healthcare service. 

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#3. Cigna Healthcare

Cigna is a global health insurance company.

Basically, they offer services such as health, pharmacy, dental, supplemental and Medicare health insurance plans.

Also, they have a slot for individuals, families, and businesses.

Following their mission is to help improve the health, and wellbeing of clients, Cigna has insurance plans for whatever health needs.

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#4. UnitedHealthcare

UnitedHealth Group is one of the high rated health insurance companies in North Carolina. 

This insurance provider helps clients live healthier lives by creating a health system that works for everyone.

Besides North Carolina, UnitedHealth Group offers health coverage for Minnesota residents.

Beyond health care coverage, this insurance company offers software and data consultancy services.

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#5. Oscar Health Plan of North Carolina, Inc

Oscar Insurance offers health insurance plans for individuals and businesses through its website. 

It is one of the insurance providers in North Carolina that has an Exclusive Provider Organization (EPO) network.

However, Oscar offers health plans to a limited number of states and counties in North Carolina.

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Frequently Asked Questions About Best Insurance Companies in North Carolina

What are the Insurance Companies I Can Work For In North Carolina?

Here are some of the top companies to work for as an insurance agent or a staff;

  • Blue Cross Blue Shield of North Carolina
  • AmWINS Group
  • United Guaranty
  • Brighthouse Life Insurance Company
  • PLI
  • Investors Title
  • SIA Group, Inc.   
  • Vocational Solutions
  • Builders Mutual Insurance Company
  • Key Risk
  • Hog Slat
  • North Carolina Mutual Life Insurance Company
  • J&M Executive Leasing
  • Smart Choice
  • Hillco
  • Wells Insurance
  • MedCost
  • Daetwyler SwissTec
  • James C Greene Company
  • Fortner Insurance Agency
  • Data Imaging
  • Brighthouse Financial
  • Wayne Trademark

Editor’s Recommendation

References

  • https://www.bankrate.com/insurance/car/north-carolina/ 
  • https://www.marketwatch.com/picks/guides/insurance/homeowners-insurance-north-carolina/ 
  • https://www.valuepenguin.com/best-cheap-health-insurance-north-carolina 
  • https://www.zippia.com/company/best-insurance-companies-north-carolina/ 
  • https://www.valuepenguin.com/oscar-health-insurance-review 

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