Best Cheap Auto Insurance in Concord, NC (2021)

The average Concord, NC auto insurance rates are $290 per month. The minimum auto insurance in Concord is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Concord, North Carolina, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Concord, North Carolina is 30/60/25
  • The most expensive auto insurance company in Concord for teen drivers is Allstate
  • Average auto insurance rates in Concord, NC for senior drivers are $2,614 per year

Concord, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Concord can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Concord, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Concord to other North Carolina cities, including Charlotte auto insurance rates, Concord auto insurance rates, and Greensboro auto insurance rates to see how Concord, North Carolina auto insurance rates stack up.

Before you buy Concord, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Concord, North Carolina auto insurance quotes.

Minimum Auto Insurance in Concord, North Carolina

Concord, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Concord, North Carolina.

Minimum Required Auto Insurance Coverage in Concord, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Concord, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Concord, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Concord, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,502 $5,502 $4,512 $4,512 $13,241 $13,241 $5,610 $5,610
GEICO $2,622 $2,573 $2,592 $2,545 $4,928 $4,884 $2,301 $2,288
Liberty Mutual $1,926 $1,926 $1,993 $1,993 $3,442 $3,442 $1,926 $1,926
Nationwide $2,490 $2,490 $2,490 $2,490 $4,266 $4,266 $2,490 $2,490
Progressive $1,836 $1,836 $1,686 $1,686 $4,384 $4,384 $2,049 $2,049
State Farm $2,658 $2,658 $2,299 $2,299 $3,929 $3,929 $3,284 $3,284
Travelers $2,770 $2,770 $2,748 $2,748 $4,722 $4,722 $2,843 $2,843

Cheap Concord, North Carolina Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Concord, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Concord, North Carolina.

Annual Auto Insurance Rates for Teen Drivers in Concord, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,241 $13,241
GEICO $4,928 $4,884
Liberty Mutual $3,442 $3,442
Nationwide $4,266 $4,266
Progressive $4,384 $4,384
State Farm $3,929 $3,929
Travelers $4,722 $4,722

Cheap Concord, North Carolina Auto Insurance for Seniors

What are senior auto insurance rates in Concord, North Carolina? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Concord, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,512 $4,512
GEICO $2,592 $2,545
Liberty Mutual $1,993 $1,993
Nationwide $2,490 $2,490
Progressive $1,686 $1,686
State Farm $2,299 $2,299
Travelers $2,748 $2,748

Cheap Concord, North Carolina Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Concord, North Carolina compared to the annual auto insurance rates with a clean record in Concord, North Carolina.

Annual Concord, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,910 $6,908 $12,770 $5,278
GEICO $1,659 $2,467 $5,949 $2,292
Liberty Mutual $1,387 $1,778 $4,344 $1,778
Nationwide $1,732 $2,234 $5,534 $2,234
Progressive $1,186 $1,722 $5,381 $1,667
State Farm $1,617 $2,345 $5,862 $2,345
Travelers $1,869 $2,585 $6,138 $2,491

Cheap Concord, North Carolina Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Concord, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Concord, North Carolina to find the best deal.

Annual Auto Insurance Rates After a DUI in Concord, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,770
GEICO $5,949
Liberty Mutual $4,344
Nationwide $5,534
Progressive $5,381
State Farm $5,862
Travelers $6,138

Cheap Concord, North Carolina Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Concord, North Carolina annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Concord, North Carolina

Insurance Company Poor Fair Good
Allstate $9,721 $6,348 $5,581
GEICO $3,341 $3,078 $2,857
Liberty Mutual $2,322 $2,322 $2,322
Nationwide $2,934 $2,934 $2,934
Progressive $2,793 $2,431 $2,243
State Farm $4,272 $2,732 $2,123
Travelers $3,532 $3,179 $3,102

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Cheap Concord, North Carolina Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Concord, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Concord, North Carolina to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Concord, North Carolina

ZIP Code Average Annual Rates
28025 $3,153
28027 $3,181

Cheap Concord, North Carolina Auto Insurance Rates By Commute

Commute length and annual mileage affect Concord, North Carolina auto insurance. Find the cheapest annual Concord, North Carolina auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Concord, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,216 $7,216
GEICO $3,092 $3,092
Liberty Mutual $2,322 $2,322
Nationwide $2,934 $2,934
Progressive $2,489 $2,489
State Farm $3,033 $3,051
Travelers $3,271 $3,271

Cheap Concord, North Carolina Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Concord, North Carolina? Check out the comparison of annual Concord, North Carolina auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Concord, North Carolina

Insurance Company Low Medium High
Allstate $6,925 $7,187 $7,538
GEICO $2,938 $3,081 $3,256
Liberty Mutual $2,202 $2,307 $2,456
Nationwide $2,802 $2,918 $3,081
Progressive $2,348 $2,474 $2,646
State Farm $2,904 $3,026 $3,197
Travelers $3,122 $3,253 $3,438

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Best By Category: Cheapest Auto Insurance in Concord, North Carolina

Compare the cheapest auto insurance companies in Concord, North Carolina in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Concord, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

The Cheapest Concord, North Carolina Auto Insurance Companies

What auto insurance companies in Concord, North Carolina are the cheapest? Compare the top Concord, North Carolina auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Concord, North Carolina

Insurance Company Average Annual Rates
Allstate $7,216
GEICO $3,092
Liberty Mutual $2,322
Nationwide $2,934
Progressive $2,489
State Farm $3,042
Travelers $3,271

What affects auto insurance rates in Concord, North Carolina?

There are a lot of reasons why auto insurance rates in Concord, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Concord, North Carolina. Many local factors may affect your Concord auto insurance rates.

Concord Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Concord, North Carolina commute length is 27.9 minutes according to City-Data.

Concord Traffic

How does Concord, North Carolina rank for traffic? According to Inrix Concord, North Carolina is the 202nd most congested worldwide.

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Compare Concord, North Carolina Auto Insurance Quotes

Before you buy Concord, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Concord, North Carolina auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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