Top 20 Insurance Providers In North Carolina

North Carolina's insurance landscape is diverse, featuring a range of providers that cater to various needs, from auto and home insurance to health and life coverage. Below is a comprehensive list of 50 top insurance providers in North Carolina, each accompanied by a detailed profile and review.

1. Shelter Insurance

Company Summary: Founded in 1946, Shelter Insurance is headquartered in Columbia, North Carolina. The company offers a wide range of insurance products, including auto, home, life, and business insurance. Shelter is known for its strong customer service and community involvement.

Official Website: shelterinsurance.com

Physical Address: 1817 West Broadway, Columbia, MO 65218

Contact Number: (800) 743-5837

Email ID: Not publicly available

Number of Employees: Approximately 4,000

Year Founded: 1946

Founder Name: Haider H. Al-Hakim

Number of Reviews: Over 1,000 customer reviews

Coverage Locations: Primarily operates in 15 states across the Midwest and South

Benefits: Offers a variety of discounts, including multi-policy and safe driver discounts

List of Services: Auto, home, life, business, farm, and boat insurance

Company Highlights: Recognized for financial stability and customer satisfaction

What Real-Life Customers Are Saying: Customers appreciate Shelter's responsive claims process and personalized service.

Certifications and Awards: Received an A (Excellent) rating from A.M. Best

Review: Shelter Insurance stands out for its comprehensive coverage options and commitment to customer service. Policyholders often highlight the ease of filing claims and the professionalism of agents. The company's regional focus allows for personalized service tailored to the needs of local communities.

2. North Carolina Employers Mutual Insurance

Company Summary: Established in 1995, North Carolina Employers Mutual (MEM) is a leading provider of workers' compensation insurance in North Carolina. MEM focuses on promoting safe workplaces and offers resources to help businesses prevent injuries.

Official Website: mem-ins.com

Physical Address: 101 N. Keene Street, Columbia, MO 65201

Contact Number: (800) 442-0593

Email ID: info@mem-ins.com

Number of Employees: Approximately 200

Year Founded: 1995

Founder Name: Established by the North Carolina State Legislature

Number of Reviews: Over 100 customer reviews

Coverage Locations: Exclusively serves the state of North Carolina

Benefits: Offers safety grants and resources to policyholders

List of Services: Workers' compensation insurance

Company Highlights: Known for proactive safety programs and educational resources

What Real-Life Customers Are Saying: Businesses commend MEM for its focus on safety and responsive customer service.

Certifications and Awards: Recognized as a certified workers' compensation provider in North Carolina

Review: North Carolina Employers Mutual Insurance is dedicated to creating safer workplaces across the state. Their emphasis on prevention and education sets them apart in the workers' compensation sector. Policyholders value the company's commitment to safety and the support provided to implement effective workplace safety programs.

3. Reinsurance Group of America (RGA)

Company Summary: Founded in 1973, RGA is a global leader in life and health reinsurance. Headquartered in Chesterfield, North Carolina, the company operates in more than 26 countries, providing reinsurance solutions and services to insurance companies.

Official Website: rgare.com

Physical Address: 16600 Swingley Ridge Road, Chesterfield, MO 63017

Contact Number: (636) 736-7000

Email ID: communications@rgare.com

Number of Employees: Approximately 3,600

Year Founded: 1973

Founder Name: A. Greig Woodring

Number of Reviews: Limited direct customer reviews due to B2B focus

Coverage Locations: Operates globally in over 26 countries

Benefits: Offers innovative reinsurance solutions and financial stability

List of Services: Life and health reinsurance, financial solutions, underwriting

Company Highlights: Ranked among the largest global life reinsurers

What Real-Life Customers Are Saying: Insurance companies praise RGA for its expertise and partnership approach.

Certifications and Awards: Consistently ranked in the Fortune 500 list

Review: Reinsurance Group of America is a cornerstone in the reinsurance industry, known for its financial strength and innovative solutions. While not directly serving individual policyholders, RGA plays a critical role in supporting insurance companies worldwide. Their global presence and expertise make them a trusted partner in the insurance sector.

4. Globe Life

Company Summary: Globe Life, established in 1951, is a prominent insurance provider offering life and supplemental health insurance. The company is dedicated to helping individuals and families secure their financial future through affordable insurance products.

Official Website: globelifeinsurance.com

Physical Address: 3700 S. Stonebridge Drive, McKinney, TX 75070

Contact Number: (972) 569-4000

Email ID: Not publicly available

Number of Employees: Approximately 3,000

Year Founded: 1951

Founder Name: Ralph Reece and John Singletary

Number of Reviews: Over 6,000 customer reviews

Coverage Locations: Operates across the United States

Benefits: Offers no-medical-exam life insurance policies

List of Services: Life insurance, supplemental health insurance

Company Highlights: Known for affordable rates and straightforward policies

What Real-Life Customers Are Saying: Policyholders appreciate the simplicity of the application process and the affordability of premiums.

Certifications and Awards: Rated A+ (Superior) by A.M. Best

Review: Globe Life stands out for its accessible life insurance options, particularly for individuals seeking coverage without undergoing medical examinations. The company's straightforward policies and affordable rates make it an attractive choice for many. However, some customers have noted that the coverage amounts may be lower compared to other providers.

5. Hortica Insurance

Company Summary: Hortica Insurance has been serving the horticultural industry since the late 1800s. Specializing in providing insurance solutions tailored to the unique needs of horticultural businesses, Hortica offers comprehensive coverage options and risk management services.

Official Website: hortica.com

Physical Address: 1 Horticultural Lane, Edwardsville, IL 62025

Contact Number: (800) 851-7740

Email ID: info@hortica.com

Number of Employees: Approximately 200

Year Founded: Late 1800s

Founder Name: Not publicly available

Number of Reviews: Over 40 customer reviews

Coverage Locations: Provides coverage nationwide

Benefits: Industry-specific expertise and tailored coverage options

List of Services: Property insurance, liability insurance, workers' compensation, auto insurance

Company Highlights: Dedicated exclusively to the horticultural industry

What Real-Life Customers Are Saying: Clients value Hortica's deep understanding of their industry and personalized service.

Certifications and Awards: Recognized as a leading insurer in the horticultural sector

Review: Hortica Insurance's specialization in the horticultural industry allows it to offer tailored insurance solutions that address the specific risks and challenges faced by businesses in this field. Customers appreciate the company's industry knowledge and personalized approach. While their focus is niche, Hortica's expertise makes them a valuable partner for horticultural businesses seeking comprehensive coverage.

6. The General Insurance

Company Summary: The General is a licensed insurance agency specializing in auto insurance for high-risk drivers. With a focus on providing coverage to those who may have difficulty obtaining insurance elsewhere, The General offers flexible payment options and competitive rates.

Official Website: thegeneral.com

Physical Address: 2636 Elm Hill Pike, Nashville, TN 37214

Contact Number: (844) 328-0306

Email ID: Not publicly available

Number of Employees: Approximately 1,500

Year Founded: 1963

Founder Name: Not publicly available

Number of Reviews: Over 3,000 customer reviews

Coverage Locations: Operates in multiple states across the U.S.

Benefits: Offers coverage options for high-risk drivers

List of Services: Auto insurance, SR-22 filing

Company Highlights: Known for accepting drivers with imperfect records

What Real-Life Customers Are Saying: Policyholders appreciate the ease of obtaining coverage and the flexible payment plans.

Certifications and Awards: Rated A (Excellent) by A.M. Best

Review: The General Insurance provides a valuable service to high-risk drivers who may struggle to find coverage elsewhere. The company's willingness to insure drivers with imperfect records, along with flexible payment options, makes it a practical choice for many. However, premiums may be higher compared to standard auto insurance providers.

7. American Family Insurance

Company Summary:
Founded in 1927, American Family Insurance is a leading provider of auto, home, life, and business insurance. Headquartered in Madison, Wisconsin, the company has a strong presence in North Carolina, offering personalized policies through a network of local agents.

Official Website: amfam.com

Physical Address:
6000 American Parkway, Madison, WI 53783

Contact Number:
(800) 692-6326

Email ID:
customercare@amfam.com

Number of Employees:
Approximately 13,500

Year Founded:
1927

Founder Name:
Herman Wittwer

Number of Reviews:
Over 10,000 customer reviews

Coverage Locations:
Operates in 19 states, including North Carolina

Benefits:

• Competitive pricing and bundling discounts
• Personalized coverage options
• Strong customer service and claims handling

List of Services:

• Auto insurance
• Home insurance
• Life insurance
• Business insurance
• Renters insurance
• Farm and ranch insurance

Company Highlights:

• Consistently ranked among the top insurance providers for customer satisfaction
• Offers innovative digital tools for policy management

What Real-Life Customers Are Saying:
Many customers praise American Family Insurance for its customer service, fast claims processing, and affordable premiums. Some, however, note that rates can increase over time.

Certifications and Awards:

• J.D. Power award for customer satisfaction
• AM Best rating of A (Excellent)

Review:
American Family Insurance is a trusted provider for North Carolinaans looking for comprehensive and affordable coverage. Its strong agent network ensures personalized service, and its competitive rates make it a solid choice for many residents.

8. Auto-Owners Insurance

Company Summary:
Auto-Owners Insurance has been in business since 1916, providing a wide range of coverage options, including auto, home, life, and business insurance. The company is known for its financial stability and strong relationships with independent agents.

Official Website: auto-owners.com

Physical Address:
6101 Anacapri Boulevard, Lansing, MI 48917

Contact Number:
(517) 323-1200

Email ID:
Not publicly available

Number of Employees:
Approximately 5,500

Year Founded:
1916

Founder Name:
Vern V. Moulton

Number of Reviews:
Over 3,000 customer reviews

Coverage Locations:
Operates in 26 states, including North Carolina

Benefits:

• Works exclusively with independent agents for customized policies
• Competitive pricing and discounts for safe drivers
• Exceptional financial strength and stability

List of Services:

• Auto insurance
• Home insurance
• Life insurance
• Business insurance
• Umbrella insurance

Company Highlights:

• One of the few insurance companies with a 100-year legacy of financial strength
• Ranked highly for claims satisfaction

What Real-Life Customers Are Saying:
Customers appreciate the company's responsive claims process and the personalized service from independent agents. Some note that pricing can vary significantly based on location.

Certifications and Awards:

• AM Best rating of A++ (Superior)
• J.D. Power award for customer satisfaction

Review:
Auto-Owners Insurance stands out for its commitment to independent agents and exceptional financial stability. Its personalized approach ensures customers get the right coverage, though pricing may vary.

9. State Farm Insurance

Company Summary:
State Farm is one of the largest insurance providers in the U.S., offering auto, home, renters, life, and business insurance. Founded in 1922, the company is known for its extensive agent network and competitive rates.

Official Website: statefarm.com

Physical Address:
One State Farm Plaza, Bloomington, IL 61710

Contact Number:
(800) 782-8332

Email ID:
Not publicly available

Number of Employees:
Over 60,000

Year Founded:
1922

Founder Name:
George J. Mecherle

Number of Reviews:
Over 50,000 customer reviews

Coverage Locations:
Operates nationwide, including North Carolina

Benefits:

• Large agent network for personalized service
• Competitive pricing with bundling discounts
• Strong reputation for claims satisfaction

List of Services:

• Auto insurance
• Home insurance
• Life insurance
• Business insurance
• Renters insurance

Company Highlights:

• Largest auto insurer in the U.S.
• Consistently ranked high for customer satisfaction and claims service

What Real-Life Customers Are Saying:
Customers appreciate State Farm's reliable service and local agents. However, some policyholders report rate increases over time.

Certifications and Awards:

• AM Best rating of A++ (Superior)
• J.D. Power award for customer satisfaction

Review:
State Farm remains a top choice for North Carolina residents due to its affordability, strong agent network, and solid reputation. Its extensive coverage options make it a one-stop-shop for insurance needs.

8. Shelter Insurance

Company Summary:
Shelter Insurance is a well-established provider offering auto, home, life, and business insurance. Headquartered in Columbia, North Carolina, the company has been serving customers for over 75 years with a strong focus on personalized service and community involvement.

Official Website: shelterinsurance.com

Physical Address:
1817 W Broadway, Columbia, MO 65218

Contact Number:
(800) 743-5837

Email ID:
customer.service@shelterinsurance.com

Number of Employees:
Approximately 2,000

Year Founded:
1946

Founder Name:
W.A. "Bill" Kyser

Number of Reviews:
Over 5,000 customer reviews

Coverage Locations:
Operates in 15 states, including North Carolina

Benefits:

• Strong presence in North Carolina with local agents
• Competitive rates for home and auto insurance
• Excellent customer service ratings

List of Services:

• Auto insurance
• Home insurance
• Life insurance
• Business insurance
• Farm insurance

Company Highlights:

• Recognized as one of the best regional insurance providers
• Strong financial stability and customer service reputation

What Real-Life Customers Are Saying:
Customers highlight Shelter Insurance’s prompt claims handling and competitive pricing. However, some note limited availability outside the Midwest.

Certifications and Awards:

• AM Best rating of A (Excellent)
• J.D. Power award for customer satisfaction

Review:
Shelter Insurance is a great option for North Carolina residents looking for local expertise, strong customer service, and affordable policies.

9. North Carolina Farm Bureau Insurance

Company Summary:
North Carolina Farm Bureau Insurance provides specialized insurance coverage for rural communities, farmers, and businesses. The company is deeply rooted in North Carolina, offering personalized service and coverage tailored to the needs of local residents.

Official Website: mofb.com

Physical Address:
701 S. Country Club Drive, Jefferson City, MO 65109

Contact Number:
(573) 893-1400

Email ID:
info@mofb.com

Number of Employees:
Approximately 1,500

Year Founded:
1915

Founder Name:
North Carolina Farm Bureau Federation

Number of Reviews:
Over 3,500 customer reviews

Coverage Locations:
North Carolina only

Benefits:

• Specializes in farm and rural insurance
• Affordable rates for auto, home, and life insurance
• Local agents providing personalized service

List of Services:

• Farm insurance
• Auto insurance
• Home insurance
• Life insurance
• Business insurance

Company Highlights:

• The largest farm insurance provider in North Carolina
• Deep community involvement and customer-oriented service

What Real-Life Customers Are Saying:
Customers appreciate the tailored coverage and affordable rates. Some mention that claims processing can be slower compared to larger national providers.

Certifications and Awards:

• AM Best rating of A (Excellent)
• Recognized as the top farm insurance provider in North Carolina

Review:
For rural and farm-related insurance, North Carolina Farm Bureau Insurance is a top choice. Their strong local presence and affordable coverage make them a trusted option for farmers and homeowners in North Carolina.

10. Progressive Insurance

Company Summary:
Progressive is one of the largest auto insurers in the U.S., known for its competitive rates and innovative digital tools. The company also offers home, renters, and business insurance, making it a versatile provider for North Carolina residents.

Official Website: progressive.com

Physical Address:
6300 Wilson Mills Road, Mayfield Village, OH 44143

Contact Number:
(800) 776-4737

Email ID:
Not publicly available

Number of Employees:
Over 50,000

Year Founded:
1937

Founder Name:
Joseph Lewis and Jack Green

Number of Reviews:
Over 100,000 customer reviews

Coverage Locations:
Operates nationwide, including North Carolina

Benefits:

• Competitive auto insurance rates
• Strong digital presence with an easy-to-use mobile app
• Discount options for safe drivers

List of Services:

• Auto insurance
• Home insurance
• Renters insurance
• Business insurance
• Motorcycle and boat insurance

Company Highlights:

• Known for its innovative Snapshot program for safe drivers
• One of the largest insurance companies in the U.S.

What Real-Life Customers Are Saying:
Many customers like the affordability and online convenience, but some mention that customer service can be inconsistent.

Certifications and Awards:

• AM Best rating of A+ (Superior)
• J.D. Power award for digital experience

Review:
Progressive is an excellent choice for auto insurance in North Carolina, especially for tech-savvy consumers looking for discounts and easy online policy management.