Concord Car Insurance

How much does car insurance cost in Concord, NC? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Concord?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in North Carolina has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Concord typically pay around $130.64 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
North Carolina $131.31
Concord, North Carolina $130.64

Concord, NC Best Car Insurance Companies

car insurance in Concord

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Auto-Owners Insurance Co generally has the most affordable car insurance in Concord coming in around $54.58 per month. Other companies to consider if you live in Concord is Direct Auto with an average cost of $60.90 per month and Encompass which typically runs around $71.67 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Concord.

RankCompanyAverage Monthly RateComparison State Average
1 Auto-Owners Insurance Co $54.58-58.43%
2 Direct Auto $60.90-53.62%
3 Encompass $71.67-45.42%
4 Utica National Ins Group $73.15-44.29%
5 Erie $83.80-36.18%
6 National General $90.06-31.41%
7 North Carolina Farm Bureau $90.79-30.86%
8 Travelers $94.64-27.92%
9 Titan $98.32-25.12%
10 Safeco $100.87-23.18%

How Much is Car Insurance in Concord, NC?

how much is auto insurance in Concord

Rates can vary from city to city. The residents of Asheville typically pay $103.18 per month while people who live in Cary will pay $119.66 per month on average. See what people pay for car insurance in other cities in North Carolina.

North Carolina CitiesMonthly Average Rate
Asheville $103.18
Cary $119.66
Chapel Hill $121.54
Charlotte $154.76
Concord $130.64
Durham $151.43
Fayetteville $147.58
Greensboro $136.32
Greenville $139.06
High Point $122.51
New Bern$120.73
Raleigh $133.21
Rocky Mount $147.18
Wilmington $117.94
Winston Salem$137.70

Cheap Car Insurance in Concord by Zip Codes

find cheap auto insurance in Concord

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of North Carolina. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Concord, NC ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Concord

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $223.76 per month in Concord. Compare that to drivers in their 30’s who typically pay around $162.73 per month drivers in their 40s at $110.56 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Concord

If you are teen in Concord you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Erie typically charges around $132.26 per month. This is likely the most affordable option in Concord. You might also want to consider North Carolina Farm Bureau and Direct Auto who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
North Carolina Farm Bureau$136.11
Direct Auto$149.10
State Farm$151.08
GMAC Insurance Group$151.43

Cheapest Insurance for 20 Year-olds in Concord

20 year-olds in Concord might want to consider Safeco who, on average, offers car insurance rates around $50.56 per month. Auto-Owners Insurance Co , Direct Auto , Encompass and Utica National Ins Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Auto-Owners Insurance Co$54.58
Direct Auto$70.34
Utica National Ins Group$74.39

Cheapest Insurance for 30 Year-olds in Concord

If you are in your 30s in Concord our research has found that Direct Auto typically has the most affordable coverage coming in around $46.83 per month, followed by Erie at $89.83 and Safeco at $90.65.

CompanyAverage Monthly Rate
Direct Auto$46.83
National General$94.69
North Carolina Farm Bureau$101.77

Cheapest Insurance for 40 Year-olds in Concord

On average, Direct Auto offers car insurance for 40 year-olds in Concord for around $49.49 per month. If you are looking for affordable coverage, you may also want to consider Utica National Ins Group or Erie. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$49.49
Utica National Ins Group$66.57
State Farm$74.30
North Carolina Farm Bureau$75.93

Cheapest Insurance for 50 Year-olds in Concord

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Concord we found that Direct Auto generally offers the most affordable coverage at $45.44 per month.

CompanyAverage Monthly Rate
Direct Auto$45.44
Utica National Ins Group$73.42
National General$76.02

Cheapest Insurance for 60 Year-olds in Concord

If you live in Concord and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $47.06 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$47.06
National General$79.16
State Farm$80.51
North Carolina Farm Bureau$81.96

Driver's Coverage Auto Insurance Rates in Concord, NC

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Concord, the average monthly rate for a driver who is currently insured is $138.18 while drivers who are not currently covered will pay around $112.05.

CoverageAverage Monthly Rate
Not Currently Insured $112.05
Currently Insured $138.18

Compare Recent Car Insurance Quotes in Concord

auto insurance quotes in Concord city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Concord a driver of a 2009 Toyota Camry can expect to pay around $77.02 per month while someone that owns a 2018 Mercedes-Benz C may pay around $221.43 per month. Check out the list of recent quotes in Concord below.

VehicleAverage Monthly Rate
2009 Toyota Camry$77.02
2018 Mercedes-Benz C$221.43
2018 Kia Sportage$296.04
2024 Honda Hr-V$68.47

FAQ's for Drivers in Concord, NC

driver’s frequently asked question in Concord

What Is the Minimum Liability Coverage Requirement in Concord, NC?

Every state requires drivers to have a minimum amount of liability coverage. North Carolina drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $30,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $60,000; Bodily injury coverage per accident; Payment per person per accident for out of pocket costs due to injury
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Before you begin requesting quotes from different carriers, it’s important to know the minimum insurance requirements for your state. North Carolina drivers are required to carry a minimum of $30,000 bodily injury for each person and $60,000 total bodily injury for all persons injured in a single accident. Motorists must also continuously maintain $25,000 in property damage liability coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Concord, NC?

It’s illegal to drive in North Carolina with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .04%+ for prior DWI

Drivers under the age of 21 cannot drive with any amount of alcohol or illegally used drugs in their systems, no matter how small the amount. Any BAC level will result in 30-day pretrial license revocation, and just the smell of alcohol on the breath is enough for a conviction of driving under the influence.

What are the consequences of being convicted of a DUI?

Penalties for driving while impaired in North Carolina vary greatly. There are five levels of misdemeanor driving while intoxicated (DWI), with Level 1 being the most serious and Level 5 being the least serious. Level 1 and 2 drivers are repeat offenders, are transporting children, have had their license revoked, or have hurt someone in a crash. Punishments range from $200 fines and community service to $4,000 in fines and a maximum jail sentence of two years. Habitual DWI offenders can be charged with and convicted of a felony.

Check Out Other Rates in Concord, NC Nearby Cities:

Charlotte, NC

Mooresville, NC

Gastonia, NC


Huntersville, NC


Indian Trail, NC


Kannapolis, NC



Commute Time in Concord, NC

27.4 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Concord, NC


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Answer a few questions and let Penny find the best rates in your area.