Auto & Home Coverage Evaluators
Quick, step-by-step evaluators that highlight gaps and savings opportunities in minutes.
- Liability limits check
- Deductible fit analysis
- Discounts & add‑ons review
Protecting Our North Carolina Neighbors
Personalized auto, home, and business insurance serving Elkin, Mount Airy, Jonesville, and all of Northwest North Carolina. Your local, independent agency that puts you first.
Get Your Free Quote15+
Years Serving NC
1,000+
Happy Customers
4.8
Google Reviews
9
Top Carriers
Proudly Partnered With America's Top Insurers
Insurance Built For You
Comprehensive coverage options for every stage of life
Auto Insurance
Protect your vehicle with comprehensive coverage
Home Insurance
Safeguard your home and belongings
Business Insurance
Complete protection for your business
Everything Else
RVs, Motorcycles, Boats & More
Coverage Tools
Evaluate your current coverage, run a full protection analysis, or test your insurance knowledge—right from this page.
Full Coverage Analyzer
Assess your overall liability exposure and see if an umbrella policy makes sense.
- Asset & income protection
- Underlying policy review
- Personalized recommendations
Insurance IQ & Risk Assessment
Learn while you evaluate. Test your knowledge and get a personalized risk profile.
- 15‑question Insurance IQ quiz
- Lifestyle & assets risk profile
- Actionable next steps
About Bill Layne Insurance Agency
Serving Elkin, Mount Airy, and Surry County since establishment, we're your trusted independent insurance agency committed to protecting what matters most to you.
Our Story
Bill Layne Insurance Agency has been a cornerstone of the Elkin, NC community, providing personalized insurance solutions to families and businesses throughout Surry County. As an independent insurance agency, we're not tied to a single carrier – we work for YOU.
Our founder, Bill Layne, built this agency on the principles of integrity, community service, and genuine care for our clients. We understand that insurance isn't just about policies – it's about protecting your family's future, your business dreams, and your peace of mind.
Located in the heart of Elkin at 1283 N Bridge St, Elkin, NC 28621, we're always here when you need us. Whether you prefer to call us at (336) 835-1993, stop by our office, or connect online, we're ready to serve you.
What Sets Us Apart
Independent & Unbiased
We compare multiple carriers including Nationwide, Progressive, Travelers, NC Grange, and more to find you the best coverage at the best price.
Local Expertise
Deep knowledge of North Carolina insurance requirements and local risks specific to Surry County, Wilkes County, and Yadkin County.
Personal Service
When you call, you talk to a real person who knows your name, not a call center. We're here for you during claims and policy reviews.
25+
Years of Experience
5,000+
Satisfied Clients
10+
Insurance Carriers
24/7
Claims Support
Proudly Serving North Carolina Communities
Elkin, NC
Mount Airy, NC
Jonesville, NC
Yadkinville, NC
Dobson, NC
Pilot Mountain, NC
North Wilkesboro, NC
Surry County
Wilkes County
Yadkin County
Your Neighbor, Your Agent
We're not just agents; we're your neighbors. We are committed to the Elkin community and providing personalized service you can't get from a 1-800 number.
- Local Expertise: Deeply rooted in and knowledgeable about NC.
- Independent Agency: We compare quotes to find you the best value.
- Dedicated Support: We're here to help every step of the way.
What Our Clients Say
Real stories from our satisfied customers.
"Bill and his team saved me hundreds on my car insurance and made the whole process incredibly easy. Highly recommend!"
- Sarah J.
"When we had to file a claim on our home, the support we received was outstanding. They handled everything and were so compassionate."
- The Miller Family
"As a small business owner, I need an agent who understands my risks. Bill Layne Insurance has been a fantastic partner for years."
- David Chen
Why Families Trust Us
4.8
Google Reviews
15+ Years
Serving NC
NC Licensed
Independent Agent
Local & Trusted
Community Focused
Secure Site
SSL Protected
Have we helped you save on insurance? We'd love to hear from you!
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Your Insurance Questions, Answered
Common questions from your neighbors in Elkin, Jonesville, and the surrounding Yadkin Valley.
How much car insurance is required in North Carolina?
North Carolina requires all drivers to have liability coverage of at least $50,000 for bodily injury for one person, $100,000 for bodily injury for two or more people, and $50,000 for property damage.
What is the average cost of homeowners insurance in Surry County?
The average cost of homeowners insurance in Surry County can vary based on factors like your home's age, construction, and value. As an independent agency, we can help you find the most competitive rates.
Do I need flood insurance in the Yadkin Valley?
While not always required, flood insurance is highly recommended for many homeowners in the Yadkin Valley, as standard home insurance policies do not cover flood damage. We can help you assess your risk.
Serving the Yadkin Valley and Beyond
We are proud to serve our neighbors in Elkin, Jonesville, Boonville, Dobson, and all of Surry, Yadkin, and Wilkes counties.