Compare Concord, NC Car Insurance Rates (2021)

Car insurance in Concord, NC averages $290 a month. Concord, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Concord car insurance rates, compare quotes from the top car insurance companies in Concord, NC.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Concord for teen drivers is Liberty Mutual
  • Average car insurance rates in Concord, NC after a DUI are $6,569/year
  • The cheapest ZIP code in Concord is 28025

If you need to buy Concord, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Concord, NC is right here.

You’ll find Concord car insurance rates, the cheapest Concord, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Concord, North Carolina car insurance rates to Durham car insurance rates, Greensboro car insurance rates, and Winston-Salem car insurance rates.

Ready to find affordable Concord, NC car insurance today? Enter your ZIP code for fast, free Concord car insurance quotes.

Cheapest Concord, NC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Concord, NC car insurance rates? Every Concord, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Concord, NC

Every driver must carry the minimum car insurance in Concord, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car 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

Cheapest Concord, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Concord, NC. Compare credit history car insurance rates in Concord from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Concord, NC Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Concord, NC to rates for a clean record with top companies.

Annual Concord, North Carolina Car 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

Cheapest Concord, NC Car Insurance for Teen Drivers

Teen car insurance in Concord, NC can be expensive. Take a look at rates from the top car insurance companies in Concord for teenagers.

Annual Car 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

Cheapest Concord, NC Car Insurance for Seniors

Take a look at Concord, NC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Concord, NC Car Insurance Rates After a DUI

A DUI in Concord, NC increases car insurance rates. Compare Concord, North Carolina DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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

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Cheapest Concord, NC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Concord, NC by commute? Take a look at a comparison of the top companies by commute length.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Concord, NC Car Insurance Rates by ZIP Code

Concord car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Concord, NC.

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

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

The Best Cheap Car Insurance Companies in Concord, NC

Take a look at a side-by-side comparison of the top car insurance companies in Concord, NC to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Concord, North Carolina

Find the cheapest car insurance companies in Concord, NC for each category right here.

Best Annual Car 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

Cheapest Concord, NC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Concord car insurance rates. Find the cheapest Concord, NC car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Concord, North Carolina?

What factors can have an impact on Concord, NC car insurance? There are several reasons why Concord car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Concord, North Carolina.

Commute Time in Concord

The more time you spend in your car the higher the risk of an accident. The average commute length in Concord, NC is 27.9 minutes according to City-Data.

Traffic in Concord

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Concord, NC traffic data from INRIX ranks Concord as the 202nd-most congested in the world.

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Compare Car Insurance Quotes in Concord, NC

Ready to find affordable Concord, North Carolina car insurance today? Enter your ZIP code for fast, free Concord, NC car insurance quotes.

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