North Carolina Auto Insurance

Auto Insurance

North Carolina Auto Insurance

We want to save you money on your North Carolina auto insurance.  We do this by offering choices.  We are an independent insurance agent.  This means we aren’t tied to a single company, but quote with many.  Thus, they compete for your business, saving you money.  A local agent helps ensure you are properly covered as well.  We live here, know the area, it’s intricacies, attractions, and challenges.  Further, we are a Trusted Choice agency and a member of the Independent Insurance Agents of America, two professional organizations that ensure the highest standards to our clients.

Contact us at one of our locations below, or read further about our North Carolina auto insurance offerings.

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  • Asheville, NC Insurance Agency | Bankers Insurance
  • Elizabeth City, NC Insurance Agency | Bankers Insurance
  • Outer Banks, NC Insurance Agency | Bankers Insurance
  • Plymouth, NC Insurance Agency | Bankers Insurance

North Carolina Locations

Why wait until your policy renews?  Call (800) 541-1419 today.

  • Anywhere in the state of North Carolina
  • All major national and regional insurance companies
  • Best prices in the industry
  • Flexible Payment Options
  • Many Discounts Available
  • Package with your homeowners or stand-alone auto policies
  • Expertise with courteous service

 We can insure

  • Cars
  • Trucks
  • SUVs
  • Sports cars
  • Antique cars and trucks
  • Motorcycles
  • ATVs
  • SR22, and FR44 policies available

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At Bankers Insurance, the client is always in control.

Protect your vehicle with the best.  Enjoy low rates.

Bankers Insurance provides North Carolina auto insurance from all the major insurance carriers.  One of our experienced agents will shop your coverage and present you with the best quotes.  No two clients are the same and every insurance company offers different discounts.  What is best for your neighbor may not be what is right for you.  Lean on our expertise to provide the best insurance for the lowest price.

NC Auto Insurance covers:


Every driver assumes a liability when they sit behind the wheel.  If responsible for an accident, liability coverage on your North Carolina auto insurance policy protects you for injuries to people and damage to property, including other vehicles.

  • Minimum recommended coverages for bodily injury liability are at least $100,000 per person and $300,000 per accident.  State required limits are much lower, but many times are completely inadequate to protect you.  The largest auto claim our agency has ever seen was for an automobile accident where the injured party required lifetime healthcare.  Costs are currently $2.5 million and climbing.
  • Physical damage liability covers you for damage to physical items such as cars, buildings, or property.  If you rear-end another vehicle, this coverage pays for the other vehicle.  If you accidentally run into a building, your physical damage liability pays to repair the building and other damaged property.


Comprehensive insurance is optional and covers your vehicle, for damage caused by things other than a collision.  For example, on your NC auto insurance policy it covers hail damage, a tree branch falling onto your vehicle in a storm, a flooded vehicle, and even rocks that fly up and break the windshield.


Collision insurance on your North Carolina auto insurance policy is optional.  It protects you for damage to your vehicle caused while it is in motion.  Examples can include running into another vehicle, off the road, or even a stationary object.  In these cases, damage to your vehicle is covered by collision insurance, but damage to the other vehicle (or object) is paid from liability insurance.

Other Optional Coverages

Optional coverages for your NC auto insurance policies:

  • Uninsured Motorist Coverage if you have an accident with a negligent driver who is not insured.
  • Underinsured Motorist Coverage if you have an accident with a negligent driver who has insurance, but it isn’t enough.
  • Personal Injury Protection for medical costs in the event of an accident, regardless of who was at fault.
  • Transportation Expense to help pay for a rental vehicle if you cannot drive your car after a covered loss.
  • Towing Coverage for the cost of towing your disabled vehicle to a repair shop.

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To ensure we provide the best product at the lowest price, a licensed insurance agent will contact you with additional questions.

How To Start

  1. Give us a call!
  2. Have the year, make, model, and VIN number of your vehicle(s) handy.
  3. It is easiest if you have the license numbers of all drivers in your household.

Discounts and Credits

When buying NC auto insurance, cost is certainly a factor.  In order to keep costs low, many insurance companies offer coverage options and credits.  For example, we can price different deductible options to help keep your auto insurance costs down.

Below is a list of the most popular credits:

  • Multi-policy discounts, such as homeowner’s with Bankers Insurance
  • Good claims history
  • Good payment history
  • Completed a defensive driving course
  • Youthful drivers on your policy if they have completed approved driver training and have good grades
  • Specifically qualifying safety or anti-theft features
  • Many more discounts available.

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise.  We don’t expect clients to be North Carolina auto insurance experts.  Take advantage of our experience.  We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you.   Only then can suggest the best coverage that suits your budget.  We look for coverage gaps to help ensure complete protection.  As a client of Bankers Insurance, you receive all the following benefits: