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 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!
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Online appointmentsAvailable
Onsite servicesAvailable
Location
Certified by Carter Insurance & Financial Services: Allstate Insurance • Mar 01, 2026
Carter Insurance & Financial Services: Allstate Insurance
Certified by Carter Insurance & Financial Services: Allstate Insurance • Mar 01, 2026
Reviews
4.6
385 reviews
5 stars
283
4 stars
68
3 stars
13
2 stars
7
1 star
8
YA
Yassir Azim
Oct 31, 2023
5.0
So professional and friendly.
LB
lynne brigman
Aug 18, 2023
5.0
Give all your insurance needs to Allstate I use Carter Insurance & Financial Services. My family has been with them 30+ years. Never been unsatisfied with the service. Extraordinary customer service always. You will be truly in good hands with Carter and all the employees. Friendly, compassionate, well informed, go out of their way to give the best service. Just call them you will be well taken care of. You will be happy you did!!
TW
Thad Wengert
Sep 1, 2020
5.0
Luther's office got my child added to insurance, which I forgot to do, in a pinch 30 mins before heading to DMV. Great folks.
Frequently Asked Questions About Carter Insurance & Financial Services: Allstate Insurance
What are the business hours for Carter Insurance & Financial Services: Allstate Insurance?
The agency is open Monday through Friday from 9:00 AM to 5:00 PM and closed on Saturdays and Sundays.
Where is Carter Insurance & Financial Services located?
The agency is located at 10801 Johnston Rd, Ste 110, Charlotte, NC 28226, USA.
What types of insurance does Carter Insurance & Financial Services offer?
They offer Auto Insurance, Homeowners Insurance, Business Insurance, Life Insurance, Flood Insurance, and more.
Does Carter Insurance & Financial Services provide services in multiple languages?
Yes, they provide services in English and Spanish.
How can I contact Carter Insurance & Financial Services?
You can call them at +1 704-542-7500 or email at LutherCarter@allstate.com.
Does the agency offer online appointment scheduling?
Yes, Carter Insurance & Financial Services offers online appointments through their website.
What is the history and experience of Carter Insurance & Financial Services?
Established in 2002, the agency has over 50 years of experience, with the owner having started at Allstate in 1976 and serving in various roles before founding the agency.
Are there other insurance agencies near Carter Insurance & Financial Services?
Yes, nearby insurance agencies include Goosehead Insurance - Brandon Carter and Norton Insurance Services, offering customers additional options in the same area.
What healthcare facilities are located near Carter Insurance & Financial Services?
Nearby healthcare providers include Stridewell Healthcare (psychiatrist and counseling), Back To Health Family Chiropractic, Active Performance Chiropractic, and Charlotte Scoliosis Clinic, useful for clients seeking health services before or after their visit.
Are there real estate services close to Carter Insurance & Financial Services?
Yes, nearby real estate services include Allocate Realty Group by Compass and Geoff Campbell Realty, which could be helpful for clients considering property insurance or purchases.
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