How much does car insurance cost in Kannapolis, NC? Check out the average rates that drivers pay below.
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 Kannapolis typically pay around $127.08 per month compared to the national average of $167.68 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.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
North Carolina | $131.31 |
Kannapolis, North Carolina | $127.08 |
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, Direct Auto generally has the most affordable car insurance in Kannapolis coming in around $61.44 per month. Other companies to consider if you live in Kannapolis is Auto-Owners Insurance Co with an average cost of $76.58 per month and Erie which typically runs around $78.93 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Kannapolis.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Direct Auto | $61.44 | -53.21% |
2 | Auto-Owners Insurance Co | $76.58 | -41.68% |
3 | Erie | $78.93 | -39.89% |
4 | Utica National Ins Group | $79.79 | -39.24% |
5 | North Carolina Farm Bureau | $85.51 | -34.88% |
6 | Safeco | $86.90 | -33.82% |
7 | Travelers | $89.97 | -31.48% |
8 | State Farm | $91.57 | -30.27% |
9 | National General | $96.90 | -26.21% |
10 | Nationwide | $98.64 | -24.88% |
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 Cities | Monthly Average Rate |
---|---|
Asheville | $103.18 |
Cary | $119.66 |
Chapel Hill | $121.54 |
Charlotte | $154.72 |
Durham | $152.49 |
Fayetteville | $147.91 |
Goldsboro | $142.59 |
Greensboro | $136.24 |
Greenville | $139.06 |
High Point | $122.51 |
Kannapolis | $127.08 |
New Bern | $120.58 |
Raleigh | $133.19 |
Rocky Mount | $147.18 |
Wilmington | $117.58 |
Winston Salem | $137.70 |
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.
Kannapolis, NC ZIP Code | Average Monthly Rate |
---|---|
28083 | $132.42 |
28081 | $120.59 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $111.49 per month in Kannapolis. Compare that to drivers in their 30’s who typically pay around $107.49 per month drivers in their 40s at $166.49 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 Group | Average Monthly Rate |
---|---|
40s | $111.49 |
70+ | $104.15 |
60s | $107.49 |
20s | $166.49 |
50s | $122.25 |
30s | $115.68 |
16-19 | $202.82 |
If you are teen in Kannapolis 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, Direct Auto typically charges around $45.11 per month. This is likely the most affordable option in Kannapolis. You might also want to consider State Farm and Erie who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Direct Auto | $45.11 |
State Farm | $143.33 |
Erie | $159.67 |
North Carolina Farm Bureau | $182.67 |
GMAC Insurance Group | $188.75 |
20 year-olds in Kannapolis might want to consider Utica National Ins Group who, on average, offers car insurance rates around $82.92 per month. Erie , North Carolina Farm Bureau , Travelers and Direct Auto are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Utica National Ins Group | $82.92 |
Erie | $83.01 |
North Carolina Farm Bureau | $87.28 |
Travelers | $88.59 |
Direct Auto | $91.55 |
If you are in your 30s in Kannapolis our research has found that Direct Auto typically has the most affordable coverage coming in around $48.20 per month, followed by Utica National Ins Group at $60.83 and Erie at $74.62.
Company | Average Monthly Rate |
---|---|
Direct Auto | $48.20 |
Utica National Ins Group | $60.83 |
Erie | $74.62 |
Auto-Owners Insurance Co | $76.58 |
National General | $83.55 |
On average, Direct Auto offers car insurance for 40 year-olds in Kannapolis for around $42.88 per month. If you are looking for affordable coverage, you may also want to consider Erie or State Farm. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Direct Auto | $42.88 |
Erie | $82.45 |
State Farm | $84.67 |
Utica National Ins Group | $84.83 |
Titan | $86.44 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Kannapolis we found that Direct Auto generally offers the most affordable coverage at $44.17 per month.
Company | Average Monthly Rate |
---|---|
Direct Auto | $44.17 |
Utica National Ins Group | $57.42 |
Erie | $61.89 |
State Farm | $67.43 |
Travelers | $70.42 |
If you live in Kannapolis and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $50.11 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Direct Auto | $50.11 |
Erie | $69.24 |
State Farm | $76.48 |
Nationwide | $80.26 |
National General | $80.55 |
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 Kannapolis, the average monthly rate for a driver who is currently insured is $100.86 while drivers who are not currently covered will pay around $138.37.
Coverage | Average Monthly Rate |
---|---|
Currently Insured | $138.37 |
Not Currently Insured | $100.86 |
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 Kannapolis a driver of a 2013 Chevrolet Captiva can expect to pay around $121.23 per month while someone that owns a 2017 Ford Fusion may pay around $210.87 per month. Check out the list of recent quotes in Kannapolis below.
Vehicle | Average Monthly Rate |
---|---|
2013 Chevrolet Captiva | $121.23 |
2017 Ford Fusion | $210.87 |
2015 Mazda 6 | $87.12 |
2012 Lincoln MKZ | $107.71 |
2016 Chrysler 200 | $180.04 |
2000 Jeep Grand Cherokee | $66.09 |
What Is the Minimum Liability Coverage Requirement in Kannapolis, 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.
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 Kannapolis, NC?
It’s illegal to drive in North Carolina with the following BAC percentages:
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 Kannapolis, NC Nearby Cities:
Commute Time in Kannapolis, NC
26.1 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Kannapolis, NC
243 Methodology
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.
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