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Kris Kozdras

19425-B Liverpool Parkway
Cornelius, NC 28031-6387

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Welcome! I'm Kris Kozdras, your Lake Norman Good Neighbor and local State Farm Agent for over 35 years.

I grew up in the steel town of Weirton, West Virginia, located about thirty miles west of downtown Pittsburgh. I am a current resident of Robbins Park in Cornelius, and love to give back to my community.

Receiving my BS in Business Administration, I have qualified for Honor Agent, Millionaire Club, Legion of Honor, as well as the Life Honor Club. I have been a member of our Chamber of Commerce.

Before becoming a State Farm Insurance agent, I worked for State Farm in Auto Claims Operations, where I saw firsthand State Farm’s desire and ability to help people when they needed it the most. Because of State Farm’s significant financial strength, we can be confident that State Farm 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 in 1987 and have been helping customers ever since. I am thrilled to have the privilege of owning a business in the Lake Norman community!

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 a 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. We all live in the same communities you do – Cornelius, Davidson, Huntersville, Denver, Charlotte, etc.

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. My team and I have a combined 121 years of insurance experience, and they enjoy servicing the needs of our policyholders.

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 and questions

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

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

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

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

· We are also conveniently located close to Denver, Cornelius, Charlotte, Huntersville, Mooresville, Concord, Gastonia, Kannapolis, Harrisburg, Mint Hill, Matthews, Stallings, Caldwell, Davidson.

· Prefer to do business online or over the phone? We got you too!

· State to State transfers for current State Farm customers.

· Providing remarkable customer service and being Good Neighbors.

Insurance Products Offered

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

Other Products


Office Hours

9am - 5pm
After Hours by Appointment
Call us 24 hours a day!
19425-B Liverpool Parkway
Cornelius, NC 28031-6387
Map & Directions

I have been representing State Farm Insurance for over 38 years and have been serving the Greater Lake Norman area including Cornelius, Davidson, Huntersville, Mooresville and Charlotte, NC offering a variety of insurance products that I can assist you with such as Auto, Home, Small Business, Life, and Health. Our primary purpose is to help you manage the risks of everyday life, recover from the unexpected, and realize your dreams.

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 trust we know what we are talking about - we have a combined 80 years of insurance experience! We are here to help you with your Auto Insurance, Renters, Condo, and Homeowners Insurance, Life Insurance and Commercial or Small Business Insurance! During office hours, you can call or stop in, and we will be happy to assist you. After hours, by calling our office, you will be automatically connected to our 24/7 Good Neighbor service. We look forward to serving you!

Mitchell Warnken State Farm Agent Team Member

Mitchell Warnken

Office Representative

Mitchell has provided State Farm customers with support and service since 2021. A recent graduate of UNCC, Mitchell is furthering his education at Queens University. A Charlotte native who recently moved to Mooresville, he enjoys hiking and can often be found in Asheville, Boone, or Blowing Rock on weekends. Coming from a family that works in insurance, his sister, Elizabeth also works for a State Farm Agent in Hickory, NC. In the office, Mitchell prefers to help customers with their home and auto insurance needs. Cornelius residents may even run into Mitchell at local apartment complexes in his convertible, helping new customers understand renters' insurance.

Al Wiest State Farm Agent Team Member

Al Wiest

Office Representative

Al holds over two decades experience in his role with State Farm. His smiling face is the first that walk-in customers encounter. He enjoys answering insurance questions and educating customers on how personal insurance works. When not at work, Al enjoys taking his daughter to karate, dance or piano class in Huntersville and Cornelius. The husband of a flight attendant, Al is no stranger to travel. Originally a resident of the Washington D.C. area, Al chose the Lake Norman area to raise his children in the early 2000s. Whether you walk or call into our local office, Al will be here to handle your insurance needs.

Kristy Joseph State Farm Agent Team Member

Kristy Joseph

Office Representative

Kristy has worked for the Kozdras State Farm Agency for over 10 years as a licensed agent. What she enjoys most about her job is helping individuals, families, and small businesses manage the risks of everyday life. First working for a State Farm agent in Tennessee, Kristy sought the Charlotte area, specifically Cornelius, because of its quiet and small town feel. Using her extensive knowledge of commercial insurance, Kristy has helped Kozdras Agency customers insure their Lake Norman small businesses. When not at work, Kristy may be relaxing at a Cornelius pool or public park, enjoying the sun. After 5pm, Kristy goes home to two beautiful children.