Allstate Insurance Agency
Carter Insurance & Financial Services, Charlotte, NC

LUTCF

10801 Johnston Rd,

Ste 110

Charlotte, NC 28226

Call

(704) 542-7500to quote by phone

Call

(704) 542-7500to quote by phone

Call

(704) 542-7500to quote by phone

Call

(704) 542-7500to quote by phone

Select a product to get a quote

Auto insurance

Home insurance

Renters insurance

Motorcycle insurance

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	Available by appointment9:00 AM - 5:00 PM
Tue	Available by appointment9:00 AM - 5:00 PM
Wed	Available by appointment9:00 AM - 5:00 PM
Thu	Available by appointment9:00 AM - 5:00 PM
Fri	Available by appointment9:00 AM - 5:00 PM
Sat	Closed
Sun	Closed

After-hours appointments available.

Available 24/7 at

(704) 542-7500

10801 Johnston Rd,
Ste 110
Charlotte, NC 28226
US

Landmarks

At the corner of Hwy 51 & Johnston Rd

Areas Served

Charlotte, Ballantyne, Quail Hollow, Raintree, Piper Glen, South Park, Myers Park, Pineville, Steele Creek, University City

Additional Contact

Fax: (704) 542-7501

Languages

English, Spanish

Social

Carter Insurance & Financial Services: Allstate Insurance

Local Allstate Agency: Meet Carter Insurance & Financial Services

Carter Insurance &amp; Financial Services Charlotte, NC

Products we offer:

Car Insurance Agent in Charlotte
Car Insurance Agent in Charlotte
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
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Home Insurance Agent in Charlotte
Home Insurance Agent in Charlotte
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
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Condo Insurance Agent in Charlotte
Condo Insurance Agent in Charlotte
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
Renters Insurance Agent in Charlotte
Renters Insurance Agent in Charlotte
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
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Landlords & Hosts Insurance Agent in Charlotte
Landlords & Hosts Insurance Agent in Charlotte
Helps protect the structure of your rental property, from covered accidents such as fire, wind/hail, vandalism and more. It also offers protection for the liability you might face as an owner. Let’s chat about the right coverage for your additional property!
Motorcycle Insurance Agent in Charlotte
Motorcycle Insurance Agent in Charlotte
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
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Business Insurance Agent in Charlotte
Business Insurance Agent in Charlotte
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance Agent in Charlotte
Life Insurance Agent in Charlotte
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Charlotte
ATV Insurance Agent in Charlotte
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
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Boat Insurance Agent in Charlotte
Boat Insurance Agent in Charlotte
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

30+

Years of
Experience

30+

Years in the
Community

Your Local Allstate Team

Luther Carter, Jr.

Agency Owner

Born in New York City and raised in Charleston, South Carolina. I attended Johnson C Smith University with a concentration in Accounting and Business Administration/Marketing where I graduated in 1975. I joined Allstate in January 1976 and for the next 25 years I served in Special Operations, Human Resources, Personal Lines Underwriting, and in Claims as a Property & Casualty Adjuster, Market Claims Manger, Sales Agent and then to a Market Sales Manager. In January 2002, I started my Agency in South Charlotte and began providing my services to North Carolina, South Carolina, Georgia, & Maryland customers. With 50+ years of experience and living in the community, I pride myself on helping families like yours better understand how to protect the things that are important - your families, vehicles, home, business and much more. We will "Carter" to Your Needs, isn't just a slogan, it's Our Mission!

Debra B. Lathrop

Sr. Licensed Sales Associate/Office Manager

Debra has been servicing Allstate's customers for more than 30+ years. Her experience and knowledge of the Insurance industry is unmatched. She's dedicated to giving her best, day in and day out. You can always count on Debra to d

Deborah Dye

Licensed Sales Associate

Dee for short, because we have a Debra and a Deborah. Dee is our quality control specialist. With things moving at the speed of light you can never be overconfident in the services our agency provides.

Golovka Brito Valderama

Licensed Service Representative

Goly comes to us from Spain where she began her career in the Insurance industry. Her experience and knowledge provide customers clarity and a better understanding for the products they purchase and the services we provide. This i

Tatiana Soto

Licensed Sales Associate

Tatiana is the latest addition to the Agency. She brings a wealth of energy and knowledge from Customer Service Industry.

Fabiola Acuna

Licensed Sales Associate

Fabiola is a Customer Service Specialist. Her role has become so important, to our slogan, We'll "Carter" to your insurance needs.

Allstate Insurance Agent Reviews

david cavazos

Jun. 2, 2026

Agent Response

Thank you, David, for being a valued Allstate cust

Thank you, David, for being a valued Allstate customer. We truly appreciate your trust in us. If you are in need of assistance with any of your policies, feel free to reach out to LutherCarter@allstate.com or text me at 704-542-7500.

anne slate

Apr. 28, 2026

Very good. Professional and courteous care and attention

marvin lowery

Apr. 4, 2026

Agent Response

Thank you, Marvin, for your positive feedback! We'

Thank you, Marvin, for your positive feedback! We're thrilled to hear that you had a great experience with Carter Insurance & Financial Services. We truly value your trust and look forward to continuing to serve your insurance needs. If you ever have any questions or need assistance, please don't hesitate to reach out.

martha bradley

Feb. 25, 2026

Agent Response

Hi Martha, hope things are well with you. Thank yo

Hi Martha, hope things are well with you. Thank you for your business. Your satisfaction is important to us. Please feel free to reach out to LutherCarter@allstate.com for further assistance.

jennifer mejia gomez

Feb. 11, 2026

Agent Response

Thank you, Jennifer, for your positive feedback! I

Thank you, Jennifer, for your positive feedback! It is our mission to serve you and your family to the best of our ability.

david chester

Jan. 18, 2026

Agent Response

Thank you, David, for your positive feedback and f

Thank you, David, for your positive feedback and for being a valued customer. Your trust in our services means a lot, and we're here to continue providing you with reliable support. If you ever have any questions or need assistance, feel free to reach out.

mary boykin

Jan. 10, 2026

I’m always in good hands with AllState!!

Agent Response

Thank you, Mary, for your wonderful feedback! We'r

Thank you, Mary, for your wonderful feedback! We're thrilled to hear that you feel in good hands with us. Your trust and satisfaction mean the world to our team at Carter Insurance & Financial Services.

sarah ellis

Jan. 3, 2026

Outstanding

Agent Response

Thank you, Sarah, for your confidence review! We'r

Thank you, Sarah, for your confidence review! We're thrilled to hear that you continue to have a positive experience with us. Your satisfaction is our top priority, and we look forward to continuing to serve your insurance needs.

gloria applewhite

Dec. 12, 2025

Agent Response

Morning , Gloria, thank you for your wonderful rev

Morning , Gloria, thank you for your wonderful review and for being a valued customer of Carter Insurance & Financial Services. We're thrilled to know you're satisfied with our services. Your trust and support mean a lot to us. If you ever need assistance, feel free to reach out.

guillermo izarra pinto

Dec. 11, 2025

Agent Response

¡Gracias, Guillermo, por tus comentarios positivo

¡Gracias, Guillermo, por tus comentarios positivos! Nos encanta saber que tuviste una excelente experiencia con nuestros servicios. Tu satisfacción es nuestra máxima prioridad y esperamos seguir atendiendo tus necesidades de seguro. Si alguna vez tienes alguna pregunta o necesitas ayuda, por favor no dudes en contactarnos.

mauricio donoso

Oct. 6, 2025

Agent Response

Thank you, Mauricio, for your feedback and for bei

Thank you, Mauricio, for your feedback and for being a valued customer. We're glad to hear about your positive experience with our agency. If you have any further suggestions or need assistance, please feel free to reach out to us. Your trust means a lot to us.

keith williams

Aug. 20, 2025

I think I can pick up the phone and call Luther and get quality help with all my insurance needs

Agent Response

Keith, thank you for your confidence. Our relation

Keith, thank you for your confidence. Our relationship has expanded nearly 3 decades, and it is with the highest blessings, we will continue to provide you and your family our services as a friend and a customer.

linda ball

Jul. 21, 2025

Good job

Agent Response

Good morning, Linda Thanks for the shout out. We d

Good morning, Linda
Thanks for the shout out. We do appreciate your business and are looking forward to a lasting relationship.

shirley atkins

Apr. 5, 2025

Agent Response

Hello Shirley, I hope you are doing well. I wanted

Hello Shirley,
I hope you are doing well. I wanted to say thank you for the opportunity to insure your car.

reinaldo hernandez ramos

Mar. 28, 2025

Agent Response

Hola Reinaldo
Gracias por confiar en nosotros.

thomas griffin

Mar. 10, 2025

Agent Response

Hello Thomas, Thank you for sharing your confidenc

Hello Thomas,
Thank you for sharing your confidence in the service we provide.

roy dunderdale

Feb. 13, 2025

Agent Response

Hello Roy, Hope you and Kathleen are doing well. I

Hello Roy,
Hope you and Kathleen are doing well. I want to thank you both for allowing me to service your insurance needs for more 34 years. If I can be of assistance in any way, please let me know.

r ferman wardell

Nov. 3, 2024

Excellent!

Agent Response

Hey Ferman, thanks for your response to the survey

Hey Ferman, thanks for your response to the survey. Your loyalty for the past 35 years means a lot. Looking forward to the years to come.

kevin goodchild

Sep. 26, 2024

Agent Response

Hey Kevin, thanks for the shout out and the confid

Hey Kevin, thanks for the shout out and the confidence you have in us.

arthur canada

Sep. 14, 2024

I am satisfied with the service I am getting. I can always count on getting the right information needed to make any inf

I am satisfied with the service I am getting. I can always count on getting the right information needed to make any informed decision.

Agent Response

Thanks, Art. We do appreciate your confidence in t

Thanks, Art. We do appreciate your confidence in the Agency.

Allstate Online Review Policy