Background
4.9/5 Rating • NC Local Experts

Smart Savings.
Better Coverage.

Families in North Carolina can save $847/year by letting us shop 10+ top carriers for them.

Trusted By The Best

Why Go Independent?

Don't get stuck with one price. See the real difference for yourself.

BEST VALUE

Bill Layne
Insurance

Captive
Agent

Carrier Options
10+ Brands
Only One
Finds Lowest Price
Claims Advocacy
Limited
Avg. Annual Savings
$847
Protection

Covering Your World

Comprehensive coverage for everything that matters.

Auto Insurance

Comprehensive protection for the road. Liability, Collision, and more.

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Home Insurance

Protect your sanctuary. Structure, belongings, and liability.

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Not Just Your Agent.
Your Neighbor.

When you work with Bill Layne Insurance, you're not getting a faceless call center. You're getting a local Elkin agency that's been protecting families across Surry County for over 20 years.

We Work For You

Unlike captive agents who work for one company, we shop 10+ carriers to find YOU the best deal.

Fast & Easy Process

Get competitive quotes quickly. No pressure, just honest answers and real savings.

Claims Support

We advocate for you to ensure you get the settlement you deserve when it matters most.

The Team

Meet Your Advocates

Real local agents working for you, not the insurance companies.

Bill Layne - Agency Owner

Bill Layne

Agency Owner

"I founded this agency in 2004 with one goal: to treat every client like my own family. I'm here to ensure you get the best protection at the best price."

Calculators & Tools

Check your coverage gaps in seconds.

Coverage Checkup

Analyze your current policy for gaps or overpayment.

Home Evaluator

Ensure your home is insured to its proper replacement value.

Umbrella Calc

Do you need extra liability protection for your assets?

Trusted by Your Neighbors

Based on 200+ 5-Star Reviews

"Bill saved us $823 a year! He took the time to explain everything clearly."

SM

Sarah M.

Elkin, NC

"Saved over $1,100 switching. When a tree hit our house, Bill was there immediately to help."

MT

Mike T.

Mount Airy, NC

"Finally an agent who answers the phone! Personal service you just don't get with the big websites."

JR

Jennifer R.

Jonesville, NC

Serving North Carolina

Local expertise in Surry, Wilkes, and Yadkin Counties.

Elkin (HQ)

1283 N Bridge St

Surry County

Mt Airy, Dobson, Pilot Mtn

Statewide

Wilkes, Yadkin & All NC

Common Questions

Average savings are $847/year. We shop multiple carriers to find the best rate for your specific needs.
Never. Quotes are 100% free with zero obligation.
Yes, we specialize in high-risk and SR-22 filings. We can often get you covered same-day.

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Bill Layne AI Online
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