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ACF Insurance Services Inc. has two locations to serve you.

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Learn About ACF Insurance Services Inc.

Since 1991, ACF Insurance Services, Inc. has been offering auto, home, and business insurance to the residents of North Carolina with two office locations in the Greater Raleigh area. Our goal is to provide excellent customer service and foster long-lasting relationships with our valued customers. Whenever you need assistance, our friendly staff will be here for you. Feel free to stop by one of our offices today and meet our team.

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Insuring North Carolina

ACF Insurance Services Inc. is your local, independent insurance agency. Whether you prefer to call, text, email, or stop by our one of our offices, we are proud to serve you and happy to help!

The Independent Agency Advantage

We offer a variety of insurance solutions.

We are there for you in your time of need.

We are licensed insurance advisors.

Why Go Independent?
As Featured In
Forbes Featured Agency

Our Clients Rave About Us

Check out our reviews and see why you should switch to ACF Insurance Services Inc.

“I’m excited to be apart of the ACF Insurance family as a customer! The service I received was phenomenal, and Ryan who took care of everything with getting my insurance set up.”

Asia A.

“Matt Alala and his team were awesome. He got the worker’s comp policy I needed. It was one of those special situations and Matt and his team were able to tailor a solution specific to my needs. Matt and his team rock!”

Steven H.

“I’ve been with ACF Insurance since 2018 and I can honestly say this is the best insurance I’ve ever had, they have the best quotes in town. The customer service is awesome. I wouldn’t trade them for nobody else.”

Temple H.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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An Independent Agency Gives You Options

We proudly represent Builders Mutual, CNA Surety, Dairyland, and more!


Manage Your Policies

Already a client of ACF Insurance Services Inc.? Visit our Service Center to make requests and manage your insurance.

Financial Services by ACF

Are you in need of financial services for yourself or your business? We can help. Get started with a quick questionnaire.

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  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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