Auto-Owners Insurance in North Carolina: Coverage You Can Count On

If you live in North Carolina and want solid, dependable insurance, Auto-Owners Insurance is a great choice. They’ve been around for over 100 years and work through trusted, local agents—like us at All About Insurance. This guide breaks down who they are, what they offer, and why they’re a smart option for protecting your car, home, business, and more.

Who Is Auto-Owners Insurance?

Auto-Owners Insurance was founded in 1916. Today, they work with over 48,000 independent agents in 26 states, including North Carolina. They have top ratings for financial strength and customer satisfaction. In fact, in 2025, NerdWallet named them the #1 car insurance company in North Carolina based on customer satisfaction, with a complaint ratio more than 50% lower than the national average. That means they’re easy to work with, and they handle claims fairly and quickly.

One reason people love Auto-Owners is that they don’t sell directly online. They only work through local agents who know your community and can give you real advice—like our team at All About Insurance. That means you get the personal attention you deserve and a helping hand when it matters most. Having someone local you can talk to face-to-face makes a big difference when choosing coverage or filing a claim.

What Types of Insurance Does Auto-Owners Offer in NC?

Auto-Owners makes it easy to protect everything that matters to you—all in one place. With many types of insurance available, you can bundle your coverage and save money while simplifying your policy management. Whether you’re insuring a car, your house, your business, or even your pet, they have a policy that fits.

🚗 Auto Insurance

• Coverage for cars, motorcycles, RVs, trailers, and boats

• Includes liability, collision, and comprehensive coverage

• Extra options like roadside assistance, rental car help, and accident forgiveness

• Safe driver discounts and student discounts

• GAP coverage and new car replacement options

🏠 Home Insurance

• Homeowners, renters, condos, and mobile homes

• Landlord insurance for rental properties

• Optional flood and earthquake coverage

• Extra protection for valuables, electronics, and water backup

• Equipment breakdown and cyber protection options

🧑‍👩‍👧 Life & Disability Insurance

• Term life, whole life, and universal life options

• Annuities to help with retirement planning

• Disability insurance to protect your income if you get hurt or sick

• Flexible payment options and long-term financial security

💼 Business Insurance

• Property, liability, and workers’ comp

• Business auto and commercial umbrella coverage

• Great for small businesses, contractors, and local shops

• Customized packages for a variety of industries

• Professional liability and employee protection

🐾 Specialty Insurance

• Pet insurance, RV and boat insurance

• Umbrella coverage for extra liability protection

• Coverage for farm equipment, rental dwellings, and more

• Identity theft and personal cyber protection

Auto-Owners is a great one-stop shop for all your insurance needs. By offering everything in one place, it makes it easy to manage your policies and save money through bundling. You also get consistent, coordinated coverage that works together—so you’re never left with gaps or overlaps in protection.

Why North Carolina Families and Businesses Choose Auto-Owners

Here’s why so many North Carolinians trust Auto-Owners Insurance:

✅ Big Discounts

• Save up to 25% when you bundle home and auto

• Safe driver, good student, and safety feature discounts available

• Multi-policy and early payment discounts

• Lower rates for claims-free history and smart home systems

🏆 Fast and Fair Claims

• 24/7 claims support

• Award-winning claims service

• Local adjusters who know your area

• Low complaint numbers in NC show customers are satisfied

🛞 Roadside Help

• Get towing, fuel delivery, and flat tire help anytime

• Optional add-on for extra peace of mind

• Great for young drivers, families, and road trips

🚘 Accident Forgiveness & Deductible Help

• Optional accident forgiveness if you’re in your first at-fault crash

• If your home and car are both damaged in one event, you may only have to pay one deductible

• Collision deductible waived if both drivers in the accident are Auto-Owners policyholders

🚗 New Car Replacement & GAP Coverage

• Get a brand-new car if yours is totaled (if you have this add-on)

• GAP coverage helps cover what you owe on a loan or lease

• Helps protect your investment and avoid surprise expenses

💧 Extra Home Coverages

• Guaranteed replacement cost for your home

• Coverage for sump pump backups and broken appliances

• Cyber protection for your home tech and devices

• Home-based business coverage and identity theft protection

👥 Local Agents Who Know You

• Auto-Owners only sells through local independent agents

• You get personal, face-to-face advice—not just a 1-800 number

• Our team at All About Insurance has been helping North Carolinians since 1993

• We’ll help you review your coverage regularly and keep you protected as life changes

Is Auto-Owners Compliant with NC Insurance Rules?

Yes. Auto-Owners follows all North Carolina Department of Insurance (NCDOI) rules. Their rates and coverages are reviewed and approved by the state, so you know you’re getting fair pricing and the right coverage for NC laws.

They also:

• Follow NC’s Safe Driver Incentive Plan, which rewards safe drivers by reducing their insurance costs if they maintain a clean driving record

• Help cover high-risk drivers through the NC Reinsurance Facility, ensuring everyone in the state can get legally required coverage, even with a complicated driving history

• Offer windstorm and coastal protection options where needed, which is especially important for homes in hurricane-prone or coastal areas

• Are part of the North Carolina Insurance Guaranty Association for added protection, meaning your claims can still be paid even if the company ever faces financial difficulties

This means you’re working with a company that follows the rules and puts your safety first. You can also feel confident knowing your policy meets all state coverage minimums, and that your agent will help keep you informed of any changes.

We’re Local – Find an Office Near You

Looking for the best insurance near you in North Carolina? All About Insurance proudly offers Auto-Owners Insurance across 10 communities—each one backed by trusted local agents who understand your needs. Whether you’re searching for car, home, business, or life insurance, we’ve got you covered in the following cities:

• Carrboro Insurance – Get affordable, reliable insurance coverage near UNC Chapel Hill. We specialize in serving students, families, and local homeowners.

• Best Insurance in Burlington, NC – We serve Alamance County with a full range of policies, from auto to life insurance. Great coverage and local service you can trust.

• Top-Rated Cary Insurance Agency – Offering home, auto, renters, and business insurance throughout Western Wake County. Ask about bundling discounts!

• Best Insurance in Durham, NC – Your Bull City neighbors count on us for expert coverage and claims support. From startups to student apartments, we’ve got you covered.

• Eden NC Insurance Experts – We specialize in farm, rural, and personal insurance for residents of Eden and Rockingham County. Friendly service meets strong protection.

• Insurance in Graham, NC – Our local agents provide tailored policies for families, small businesses, and homeowners across the Graham community.

• Best Insurance in Hillsborough – From historic homes to new builds, we help Orange County residents protect what matters most with smart, affordable policies.

• Raleigh Insurance Solutions – Serving downtown Raleigh, North Raleigh, and beyond with Auto-Owners Insurance for homes, cars, and growing businesses.

• Trusted Madison, NC Insurance – Rockingham County residents love our friendly, fast, and reliable insurance service. Auto, home, renters, and more.

• Greensboro’s Best Insurance Agency – Our Triad area team provides expert guidance and top-rated coverage backed by Auto-Owners’ service promise.

Whether you’re in a college town or a small farming community, we’re here to help you get the protection you need from a local agency that cares.

Wherever you are in NC, we’re nearby and ready to help. Working with a local agent means faster response times, personalized service, and someone who truly understands your community’s needs. You’ll always have a real person to call, and we’re just a short drive away if you want to stop by.

Final Thoughts

Auto-Owners Insurance offers strong protection, excellent customer service, and great savings for families and businesses in North Carolina. With local agents, helpful coverage options, and top reviews from people across the state, it’s a company that delivers real peace of mind.

From everyday drivers and first-time homeowners to growing families and local business owners, Auto-Owners has plans that fit your life and protect what matters most. Whether you’re starting fresh or switching from another carrier, now’s a great time to see what Auto-Owners can do for you.

If you live in Carrboro, Burlington, Cary, Durham, Eden, Graham, Hillsborough, Raleigh, Madison, or Greensboro, our team at All About Insurance is here to help. Let’s find the right Auto-Owners policy for you—so you can worry less and enjoy more.

Contact us today for a quote or to learn more!