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Profile photo of a State Farm Agent named: Kimberly Carroll
State Farm® Insurance Agent

Kimberly Carroll

(252) 491-2727
8474 Caratoke Highway
Powells Point, NC 27966-9779

Lower Currituck County, across from The Pointe Golf Club, just north of H2OBX Water Park.

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Would you like to create a personalized quote?

Office Info

Office Hours

9am - 5pm
After Hours by Appointment
Call or text us 24 hours a day!


8474 Caratoke Highway
Powells Point, NC 27966-9779



Welcome! I'm Kimberly Carroll, your Good Neighbor and local State Farm Agent for over 16 years!

As the cold winter fades away, nature comes alive with vibrant colors and fragrant blossoms. It's a time to embrace the warmth of the sun, feel the gentle breeze, and witness the beauty of new beginnings.

As the weather gets warmer, it's a good time to review your insurance policies. Spring often brings severe weather conditions like thunderstorms, heavy rainfall, and even tornadoes in some areas. Make sure your policy provides adequate coverage for potential damages caused by these events.

We currently serve the Outer Banks and Currituck mainland areas. We are also licensed in Virginia. I am a current resident of Harbinger and we love our community! We live and work where you live and work and we love Currituck and the Outer Banks just like you do! I am a member of the Currituck Chamber of Commerce and Outer Banks Chamber of Commerce and an affiliate member of the Outer Banks Homebuilders Association.

Before becoming a State Farm Insurance agent, I gained 13 years of insurance experience as I worked for State Farm in the Charlottesville, VA Regional Office as well as the Virginia Beach Claims Office. During these years, I saw firsthand State Farm’s desire and ability to help people when they needed it the most. I personally settled claims for people who were struggling with the total loss of a vehicle and sadly, sometimes much worse when I guided them through a death or medical claim. Because of State Farm’s significant financial strength, we can be confident they will continue to provide in times of need. I knew this was the company I wanted to work with and whose products I wanted to provide to my customers and community. I opened my agency doors on January 1, 2008 and have been helping customers ever since. I am thrilled to have the privilege of owning a business in our community!

I am dedicated to lifelong learning - School is never out! I graduated from James Madison University as a Finance major with a Bachelors Business Administration degree. Upon entering my insurance career, I obtained my Chartered Life Underwriter (CLU) designation from The American College of Financial Services in 2001. In 2007, I obtained my Chartered Property and Casualty (CPCU) designation from The American College of Financial Services. And in 2019, I obtained my Chartered Financial (ChFC) designation from The American College of Financial Services.

I have a dedicated team of licensed insurance representatives who are committed to providing our customers with personalized service and care. With their knowledge of the vast number of State Farm insurance products, they are uniquely positioned to work with you to understand your goals and identify ways to help protect them. And they are local and live in the same communities you do – Currituck, Southern Shores, Kill Devil Hills and Nags Head.

Our team takes great pride in helping you understand your insurance and ensure you are getting the appropriate, personalized coverage to fit your unique needs. And you can rest assured we know what we are talking about - my team and I have a combined 54 years of insurance experience! Just take a look at our Google reviews - our customers love us!

Our team is ready and happy to assist you, and we have 24/7 Good Neighbor service after office hours. Call or stop in for a free Auto Insurance quote, Homeowners Insurance quote, Condo Insurance quote, or Renters Insurance quote, to discuss Life Insurance options, or how we may supplement your private health insurance with additional coverage.

We also provide Insurance for your Motorcycle, Boat, and RV, as well as free Notary Public services! We can't wait to serve you!

As a small business owner myself, I understand the unique needs of small business owners, and am privileged to offer Small Business Insurance for many industries and types of businesses.

At my Agency, we focus on:

· Helping families manage their car and home insurance expenses.

· Insurance reviews and recommendations for asset protection with liability insurance.

· Competitive auto insurance prices with personalized coverage.

· Providing quotes for Life Insurance and helping customers calculate the amount of Life Insurance they need.

· Insurance for cars, trucks, motorcycles, golf carts, RVs, boats, and jet skis.

· Helping small businesses with business insurance, workers comp insurance, as well as commercial auto insurance.

· Discounts when you combine your Auto Insurance and your Homeowners Insurance, Renters Insurance, or Condo Insurance.

· Relocating to the Outer Banks or Currituck County? We are here to help transfer your State Farm policies with you.

· Insurance for secondary and vacation homes on the Outer Banks.

· Flood insurance for the Outer Banks; Let us help you navigate FEMA and The National Flood Insurance Program.

· Providing a complimentary Replacement Cost Evaluation for your home!

· Coverage for our furry friends – Pet Medical insurance

· Serving you using your preferred method: phone call, text, email, online. 24/7!

· Providing remarkable customer service and being Good Neighbors.

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Banking, Mutual Funds

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My vision is to be a respected professional insurance and financial services office within the community. We work to insure your risks and to help build your tomorrow. We strive to meet and exceed customer expectations by operating under core values of integrity, professionalism and genuine care and concern.

Shay Deluca

Customer Relations Representative

Shay is a dedicated member of my agency with over 12 years of insurance experience. She enjoys educating our policyholders on their choices and options when it comes to their specific needs. Shay is knowledgeable about the unique challenges of coastal North Carolina. In her free time she enjoys spending time with her daughter, visiting with family and friends, and walking her dog. Her passion is protecting our beaches and keeping them clean!


Bill Swain

Multiple Line Representative

Bill has been a valued member of our team since 2010. He has been in the insurance industry for 20 years. Our policyholders appreciate his positive outlook and he truly enjoys helping people. He enjoys staying active in various sports, going to the beach and spending time with his wife Crystal and their two sons.


Karal Googe

Customer Relations Representative


Kim Hartman

Insurance Account Representative

Kim has 14 years of insurance experience and throughout her career she has always valued the importance of helping others and building relationships.  She graduated from Currituck County High School and has lived in this community most of her life.  Kim enjoys educating our policyholders and our community about the importance of insurance and how to protect themselves and their families based on their needs.  She loves going to the beach, working out , spending time with her husband, son, daughter and friends.       ~