John Ratliff · GEICO Exclusive Agency · The Triangle & North Carolina
Quote online in about five minutes, or call our Fayetteville Road office and work it out with a licensed agent. Either way, you end up with the same rate.
Licensed in North Carolina, Virginia, and Florida. Se habla español.
A national carrier's rates, quoted by agents who live here.
Start online any hour. Finish online, or finish with us.
South Durham, off Fayetteville Road. Call or come by.
The I-40 commute, the first apartment near campus, the house in Apex, the boat that lives at Jordan Lake most of the summer. From the Triangle to the mountains to the coast, one office can cover all of it, with a person who remembers your name when you call back. English and Spanish spoken.
North Carolina rewrote its auto insurance rules in 2025, and most policies have repriced since. Three numbers worth knowing before your next renewal.
Every policy written or renewed since July 1, 2025 carries at least $50,000 per person, $100,000 per accident, and $50,000 in property damage, up from the old 30/60/25. If your premium moved at renewal, this is a good moment to compare.
Source: North Carolina Department of Insurance.
North Carolina still follows contributory negligence, a rule almost every other state has dropped. If you're found even slightly at fault in a crash, you may collect nothing from the other driver. Your own coverage has to carry more weight here than it would elsewhere.
Source: North Carolina General Statutes and NC Department of Insurance consumer guides.
Below the national average, which surprises people. Where you land depends on your ZIP code, your record, and what you drive. The only way to know your number is to run it.
Source: industry rate surveys, 2026.
Three steps. Do them all from your phone, or hand any of them to us.
Tap the blue button and tell GEICO about yourself and your vehicles.
Your rate and coverage options come back in minutes.
Bind online on the spot, or let a licensed agent look it over with you before you commit.
Most people start with auto. Bundling is where the discounts live.
Liability, collision, comprehensive, plus the UM/UIM coverage NC now requires.
Homeowners coverage, quoted next to your auto so the bundle discount shows up.
Everything inside your apartment, protected for a few dollars a month.
Bikes and ATVs, from the Blue Ridge Parkway to the back trail.
Jordan, Falls, Kerr, the coast. Hull, liability, and the trailer too.
Liability that keeps going after your auto and home limits run out.
"I worked with Rick my agent who was top tier! And Chris who was also excellent went above and beyond to help me out. The communication was fantastic and the whole process of getting a new insurance policy went smoothly. The quotes were a lot lower and better."
Dean B. · Google review
"Worked with Rick to get my auto insurance, he was great! NC's insurance requirements were kinda confusing, so he walked me through it, and the next steps for my driver's license."
Neil G. · Google review
"Rick worked with my husband and me on getting my renter's insurance policy set up. Super considerate and made everything much easier than we anticipated! Thank you Rick!"
Cait L. · Google review
This is a locally owned GEICO Exclusive Agency led by John Ratliff, who has spent more than two decades in insurance and holds licenses in North Carolina, Virginia, and Florida.
About five minutes, no spam, and nobody calls unless you ask them to.