Auto
The office sits minutes from the I-85 and I-485 interchange, and Lowell's customers live on I-77 — uptown at eight, the lake by six. Coverage built for the miles Charlotte actually drives.
Charlotte · Lake Norman · GEICO Local Agent
Coverage that holds in open water.
And in Monday traffic on I-77. Lowell Morgan has spent twenty-five years learning what holds and what doesn't — auto, boat, home and everything Charlotte tows behind it.
Independently owned and operated by Morgan Insurance Group, LLC — one agent, one office on Center Lake Drive, licensed in North and South Carolina. In English or en español.
25+
Years of experience
10
Years an agency owner
NC · SC
Licensed states
EN · ES
English & Español
The lines
Coverage trimmed to how Charlotte actually lives.
The domain says car insurance — and the car matters. But nobody here lives on four wheels alone. Six lines, each one earned by the geography outside the office window.
Boat
Lake Norman is right up I-77, and Lowell keeps his own membership at the Peninsula Yacht Club. GEICO gave him its BOAT policy sales award — ask the club member, not a call center.
Home
From Highland Creek to the historic streets near uptown, Charlotte homes ride out real Carolina storm seasons. Walk the policy before the wind picks up, not after.
Renters
UNC Charlotte is up the road and the University City corridor is full of apartments. Your landlord's policy stops at the building — a renters policy is the rigging that covers everything you own inside it.
Condo
Uptown towers, lakefront communities — the master policy stops at your walls. An HO-6 covers what's inside them, and Lowell can chart exactly where that line sits.
Motorcycle & ATV
Charlotte weekends run mountains-to-coast: Blue Ridge switchbacks one way, trail land and hunting camps the other. If it has a throttle, it can be covered before Friday.
The list doesn't stop at six. Umbrella for the family with the boat andthe ATV, RV for the mountains-to-coast crowd — and Lowell is certified in Life & Health, so ask. See his full GEICO profile.
25+
Years of sales & insurance experience
10
Years as an agency owner
Any weather
The standard the coverage is trimmed to
2
States licensed — NC & SC
The home port
Moored in Charlotte, at home on the water.
The office sits on Center Lake Drive in northwest Charlotte, minutes from where I-85 crosses I-485 — one exit for University City, one tank of gas from anywhere in the metro. Walk in and someone knows your name. Not a phone tree, not a 1-800 number: Lowell, at the desk, Monday through Friday.
And when the week ends he goes where his customers go — up I-77 to Lake Norman, where he keeps his Peninsula Yacht Club membership and a standing opinion on the best line across the lake. He sits in three area chambers of commerce, from Charlotte to the lake to Gastonia, and backs the local schools below. Roots, not marketing.
Peninsula Yacht ClubLake Norman Chamber of CommerceCharlotte Chamber of CommerceGastonia Chamber of CommerceSt. Marks SchoolBailey High SchoolHough High
Drop by
The Center Lake office
9325 Center Lake Drive, Suite 130Charlotte, NC 28216
Monday – Friday9:00 AM – 6:00 PM
Saturday – SundayClosed
Straight from the source
The Carolina numbers, before you get a quote.
No invented five-star reviews here — just what the state actually pays, from the National Association of Insurance Commissioners' own tables. Read the water before you set out.
$840
NC average annual auto insurance expenditure (2022)
Countrywide average: $1,127. North Carolina drivers pay well below the national line.
Source: NAIC Auto Insurance Database Average Premium Supplement, Table 4
$990
NC combined average auto premium (2022)
Liability, collision and comprehensive combined. Countrywide: $1,258.
Source: NAIC Auto Insurance Database Average Premium Supplement, Table 5
$1,621
NC average homeowners (HO-3) premium (2022)
A touch above the $1,569 countrywide average — Carolina wind and storm exposure is real. Worth a policy walk-through.
Source: NAIC Homeowners Insurance Report: Data for 2022, Table 4
$170
NC average renters (HO-4) premium (2022)
About fourteen dollars a month — one of the cheapest policies you can own.
Source: NAIC Homeowners Insurance Report: Data for 2022, Table 5
These figures are statewide averages published by the National Association of Insurance Commissioners, shown for general education only. They are not an estimate, an offer, or a promise of any premium. For a number that's actually yours, call Lowell. (704) 596-2886.
Meet Lowell
Twenty-five years of every kind of weather.
Lowell Morgan has spent more than twenty-five years in sales and insurance — the last decade of it as an agency owner, with his name on the door and his phone number on the policy. Soft markets, hard markets, hail years and hurricane seasons: he has trimmed coverage through all of it. That's the whole pitch. Not that the weather never comes, but that your coverage was squared away before it did.
GEICO has given him its Outstanding Performance award for boat policy sales — fitting, for a Peninsula Yacht Club member — and its Cross-Sell award, which is the company's way of saying he looks at the whole picture, not just the car. He's certified across Property, Casualty, Life, and Health, and licensed in both Carolinas.
Off the clock it's the outdoors, all of it: water sports on the lake, weightlifting, biking, golf, hunting and fishing, camping — the full mountains-to-coast Carolina rotation. If you insure your weekends with him, odds are he's lived them too.
EnglishEspañol
GEICO Outstanding Performance — BOAT Policy Sales Award
GEICO Outstanding Performance — Cross-Sell Award
Certified in Property & Casualty insurance
Certified in Life & Health insurance
Cast off
Let's talk coverage, Charlotte.
Five minutes on the phone, in English or en español, and you'll know exactly where your coverage stands — car, boat, house and all. A quote through the button below goes straight to Lowell's desk, not a queue.