Insurance Agent RK Prater

RK Prater

RK Prater Insurance Agency Inc

Would you like to get a quote?

Office Details:

Street Address:

1490 Clinton Road
Fayetteville, NC 28312-5324


Person St and Cedar Creek Rd. Between Harbor Freight and McDonald Lumber on the corner lot.

Office Hours (EST):

M-F 9am-5pm
Evening by Appointment
Weekends by Appointment






Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.

Let us help you create a Personal Price Plan™

Everyone loves saving money. Customize a coverage plan that helps protect what’s important to you – family, things and your bottom line. From safe driving rewards, bundling options and discounts*, RK Prater can help you create a solution that’s right for you.

Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
*Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.

Auto Insurance

Buckle up with State Farm, and get auto insurance in Fayetteville, NC that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

RK Prater in Fayetteville, NC will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Fayetteville, NC. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

RK Prater in Fayetteville, NC will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Fayetteville, NC. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask RK Prater in Fayetteville, NC about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Fayetteville, NC. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with RK Prater in Fayetteville, NC to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

RK Prater in Fayetteville, NC will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Fayetteville, NC. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with RK Prater in Fayetteville, NC to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


Banking, your way. When, where, and how you want. When you're looking for help to achieve your financial goals, we want to be your first and best choice in Fayetteville, NC. Thanks to an alliance between U.S. Bank® and State Farm®, now, you'll be able to apply for U.S. Bank Checking, Savings, CDs, Retirement CDs and Credit Cards online or through your local State Farm agent.

Talk with RK Prater in Fayetteville, NC to get more information about available U.S. Bank banking products.

Call or email an agent for product information.


Let State Farm® support your financial future with an investment through annuities in Fayetteville, NC. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with RK Prater to get more information about annuities in Fayetteville, NC that support your financial goals.

Call or email an agent for investment information.

Mutual Funds

Invest in your future and help meet your goals with State Farm® Investment Planning Services. You’re offered a variety of account types and multiple investment products. Feel free to check the investment firm or professional’s background at FINRA's Broker Check®. State Farm VP Management Corp. Customer Relationship Summary

Talk with RK Prater to get more information about mutual funds in Fayetteville, NC and financial opportunities.

Call or email an agent for investment information.

Pet Insurance

When your pets need medical attention, the last thing you should worry about is cost. Unfortunately, many pet owners find themselves facing tough decisions about their dog or cat’s care. We’re here to help. State Farm works with Trupanion® – a leader in high-quality pet medical insurance – to make it easier for pet owners to care for their furry family members.

Want more information? Ask RK Prater in Fayetteville, NC about a pet medical insurance quote.

Start your pet medical insurance quote. It’s fast and easy!

About Me:

  • State Farm Agent since 2016 in Fayetteville, NC
  • First Generation State Farm Agent
  • State Farm Experience Since 2016
  • Car Insurance and Home Insurance
  • Cumberland County Insurance Out of State Transfers
  • Attended Liberty University
  • Offering Car Insurance Quotes in Fayetteville, NC
  • Serving Cumberland, Sampson, and Robeson County
  • Call for Free Auto Insurance Quote
  • Fayetteville, NC Home Insurance Available
  • Visit Us for Life Insurance Quotes
  • Cumberland County Business Insurance Quotes
  • Switch to State Farm in Fayetteville and Save
  • We Can Help with Home and Renters Quotes
  • Stop by Fayetteville State Farm Office to Save on Ins
  • Come In, Call, or Click for a Free Home or Auto Quote

Our Mission:

The mission of the RK Prater State Farm office proudly serves Fayetteville and surrounding Cumberland County with insurance and financial services. Contact our office today for an insurance consultation to see where we can help you with auto insurance, home insurance, and more. Stop in and meet with our experienced insurance team to get covered today!
Our Mission Photo

Our Team:

Team Member Profile Photo Kristen Prater
Kristen Prater
Insurance Account Representative
I am a native of Stedman and am proud to be from "East of the River". I originally started with RK Prater in 2016 but took some time off after having our daughter. I am a mom of 3, with 2 being special needs. I am highly involved with our church and host a monthly special needs group for parents and their children. I really enjoy giving back to the community and feel certain I can help assist you in being prepared for the unexpected.
Team Member Profile Photo Zach Parker
Zach Parker
Insurance Account Representative
I started with RK Prater my junior year of college. Since then, my role has progressed and I feel confident that I can assist with any insurance need. It is my focus to put the needs of State Farm customers first! During my leisure time, I enjoy the outdoors and spending time with my family and friends.
Team Member Profile Photo Steven Cales
Steven Cales
Insurance Account Representative
I've been in the insurance industry for over 20 years, many of those on the claims side. I graduated from UNC-Wilmington and am getting married in November of 2020. In my free time I love sports, cooking, and being a dad. I love forward to helping serve you.
Team Member Profile Photo Teresa Webb
Teresa Webb
Customer Relations Representative
I started with RK Prater back in 2016. I am military spouse to a proud Army soldier. We love our dogs, riding motorcycles, and participating in both of our children's sporting events. In my leisure time if we aren't traveling with the kids, I enjoy spending time at home with our dogs and working at my custom T-Shirt printing business. I am proud to call Texas my home and have been fortunate to travel all around the US as a military spouse. Hook em' Horns!
Team Member Profile Photo April Howington
April Howington
Customer Relations Representative
I am originally from Texas and a military spouse. I have three children and have lived in Fayetteville, NC since 2004. I have been with Ronald Prater's office since January 2019. I previously worked in insurance in Texas and property mgmt. in Texas and NC for 10 yrs.

Agent's Credentials and Licenses:


We're Hiring

It could be the beginning of an exciting career.
This opportunity is about potential employment with an independent contractor agent who solicits application for State Farm products and services, and does NOT result in employment with any of the State Farm Companies. The employment selection decision, terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.


Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses which can be obtained by visiting the prospectus page on Read it carefully. AP2022/03/0343

Securities distributed by State Farm VP Management Corp. State Farm VP Management Corp. Customer Relationship Summary

Securities Supervisor address:6320 Quadrangle Dr Ste 200 , Chapel Hill, NC 27517-7890 Phone: 919-789-3710

Deposit products offered by U.S. Bank National Association. Member FDIC.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Pet insurance products are underwritten in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Please visit For additional information and disclosures concerning Pet insurance please see Pet Insurance From State Farm® and Trupanion®. State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products.  State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.