Meet Chrystal Fray

Since opening my State Farm agency in Wilmington in 2009, I’ve had the privilege of helping individuals, families, and small business owners protect the people, places, and things that matter most to them.

My team and I bring more than 37 years of combined State Farm experience to the office, but we believe insurance doesn’t have to sound complicated. We take the time to listen, explain your options in plain language, and help you make informed decisions about auto, home, life, and small business insurance.

And if you need us to explain something one more time? Just ask. That’s what we’re here for.

Fall Is a Great Time for an Insurance Check-In

October brings cooler weather, busy school schedules, football weekends, fall festivals, and the beginning of the holiday season. It’s also a good time to make sure your insurance has kept up with the changes in your life.

Maybe you’ve purchased a new vehicle, made improvements to your home, added valuable jewelry or other belongings, welcomed a new family member, or started thinking more seriously about protecting your family’s financial future. Whatever has changed, we’re happy to sit down with you and review your current coverage.

Sometimes a simple conversation can uncover something that deserves a second look.

Proud to Call Wilmington Home

Wilmington isn’t just where I work—it’s my community.

Over the years, I’ve been fortunate to support organizations and causes including the Cape Fear Heart Walk, Boys & Girls Club of Southeastern North Carolina, North Carolina Black Film Festival, local school supply and Adopt-A-Family programs, and initiatives supporting children in foster care.

I’ve also had the privilege of serving on the boards of the Cape Fear Museum, Boys & Girls Club of Southeastern North Carolina, Achieving Purposeful Outcomes, Inc., and YWCA Lower Cape Fear.

After 17 years as a State Farm agent, one thing hasn’t changed: relationships come first.

Whether you’re buying your first car, settling into a new home, protecting your family, building a business, or simply wondering whether your current coverage still fits your life, my team and I would be honored to help.

Stop by our office near Shipyard Boulevard and 17th Street in Wilmington, give us a call, or come say hello.

We’d love to meet you—and if you’re already part of our State Farm family, we’d love to see you again.