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Concord drivers pay an average of $74 per month for state-minimum coverage and $110 per month for full-coverage car insurance. Those rates are in line with the North Carolina averages of $115 per month for full coverage and $69 per month for liability-only policies.
Approximately 115,000 people live in the 64.7 square miles that make up Concord, making it the 10th-largest city in North Carolina.[1]
Like drivers in the rest of North Carolina, Concord drivers must have car insurance that meets the state’s minimum insurance requirements.
North Carolina requires policies to include $50,000 in bodily injury insurance for one person, $100,000 in bodily injury coverage per accident, and $50,000 in property damage liability coverage. Plus, drivers must have $50,000 per person and $100,000 per accident in uninsured/underinsured motorist coverage.[2]
In Concord, the cheapest insurer for state-minimum liability coverage is Erie, at a monthly average of $56.
The table below shows the cheapest insurance rates in Concord for liability-only policies.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $56 |
| Progressive | $62 |
| Direct Auto | $65 |
| GEICO | $65 |
| National General | $65 |
| Liberty Mutual | $66 |
| Safeco | $68 |
| Travelers | $70 |
| Dairyland | $75 |
| Allstate | $76 |
| State Farm | $92 |
Liability policies average $74/mo.
In Concord, which is part of Cabarrus County, the average cost of full-coverage insurance is $110 per month. The cheapest insurer for full-coverage policies is Direct Auto, with rates averaging $88 per month.
Concord is part of the Charlotte-Concord-Gastonia Core Based Statistical Area (CBSA), which ranks ranked 51st out of 400 areas for motor vehicle theft, according to data from the National Insurance Crime Bureau (NICB). Full coverage could be useful in Concord, since it pays to replace your vehicle if someone steals it.
Plus, thousands of tourists visit the area thanks to its shopping centers and the Charlotte Motor Speedway, so there’s a higher risk of accidents. Without a full-coverage policy, you could be on the hook for thousands in repair costs for your own vehicle.
Below are the cheapest rates for full-coverage policies in Concord.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Direct Auto | $88 |
| Progressive | $88 |
| National General | $89 |
| Erie | $96 |
| Liberty Mutual | $106 |
| GEICO | $110 |
| Safeco | $115 |
| Travelers | $121 |
| Allstate | $131 |
| Dairyland | $158 |
| State Farm | $158 |
Car insurance premiums for Concord drivers are very close to the state average. Compared to nearby cities, coverage is relatively affordable. Charlotte is about 25 miles south of Concord, but insurance rates in Charlotte tend to be much more expensive. On average, drivers pay $102 per month for coverage in Charlotte.
Charlotte’s higher insurance premiums are to be expected, given that it’s the largest city in North Carolina, with a much higher population density than Concord.[3]
The table below shows overall average car insurance rates for cities in North Carolina.
City | Average Monthly Quote |
|---|---|
| Chapel Hill | $70 |
| Asheville | $72 |
| Morrisville | $72 |
| Cary | $78 |
| Mooresville | $78 |
| Burlington | $79 |
| Wilmington | $79 |
| Rocky Mount | $80 |
| Jacksonville | $82 |
| Durham | $83 |
| Hickory | $83 |
| Raleigh | $87 |
| Goldsboro | $90 |
| Greensboro | $90 |
| Concord | $92 |
| Kannapolis | $93 |
| Matthews | $93 |
| High Point | $94 |
| Wilson | $95 |
| Greenville | $96 |
| Fayetteville | $98 |
| Gastonia | $98 |
| Charlotte | $102 |
*Quotes generated for Insurify users in and around Concord, North Carolina within the last 10 days. Last updated on July 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Concord, North Carolina within the last 10 days. Last updated on July 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
North Carolina is an at-fault, or tort, state, meaning the person who causes an accident is responsible for damages they cause to others.
Your driving record affects your insurance rates, with high-risk drivers paying more for coverage. These are the cheapest companies in Concord based on different driving records:
Cheapest car insurance for Concord drivers with a clean driving record: Erie
Cheapest car insurance for drivers with a speeding ticket in Concord: Erie
Cheapest car insurance for Concord drivers with an at-fault accident: Erie
Cheapest car insurance for drivers with a DWI in Concord: Erie
In Concord, approximately 3.3% of accidents involved speeding, and 3.45% of crashes involved alcohol, according to 2025 data from NC Vision Zero and the North Carolina Department of Transportation.
To encourage better driving habits, North Carolina instituted the North Carolina Safe Driver Incentive Plan, which gives people an incentive to drive safely. Depending on the incident, your rates could increase significantly.
For example, speeding 10mph or less over a speed limit under 55 mph results in a 40% rate increase, while driving while impaired (DWI) could result in a rate increase of 340%.[4]
The table below shows the overall average rates for Concord drivers with different driving records:
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $92 |
| Speeding ticket | $120 |
| At-fault accident | $129 |
| DWI | $245 |
Driving in Concord presents some unique challenges. The city’s two main attractions are Concord Mills, a massive outlet mall, and the Charlotte Motor Speedway, which includes the NASCAR Hall of Fame. During major events, such as the holidays or races like the Coca-Cola 600, traffic can get severely congested.
Nearly 10% of Concord lies in a Special Flood Hazard Area (SPHA), so flooding, water damage, and road closures due to unpassable roads are possible.[5]
If you plan on visiting downtown Concord to take advantage of the seasonal farmer’s market or retail locations, you can typically park for free, but some areas have limits on how long you can park.
Several construction projects are underway in Concord. One of the most significant is the N.C. 73 Improvements Project, which expands the road from two lanes to four between N.C. 115 (Old Statesville Road) and Davidson-Concord Road in Mecklenburg County. While this change will help relieve congestion in the future, it could cause short-term delays until it’s completed.
Concord drivers tend to have longer commutes than drivers in other parts of the state. On average, drivers in Concord spend 26.9 minutes commuting to work, according to U.S. Census data. Unsurprisingly, most accidents occur between 4 p.m. and 6 p.m., when many drivers are making their way home from work, according to NC Vision Zero data.
The Concord Mills Boulevard/Bruton Smith Boulevard, known as the Entertainment Corridor Character Area, connects Concord Mills and the Charlotte Motor Speedway. It’s one of the busiest corridors in the area, and it experiences heavy congestion during rush hour, special events, and the holidays.
Heavy congestion levels increase the likelihood of getting into an accident, so living and commuting in busy areas can lead to higher car insurance rates in Concord.
Concord has a higher percentage of teens compared to North Carolina overall. Nearly 27% of the population is younger than 18, and teen drivers were involved in 16% of crashes in Concord, according to NC Vision Zero data.
Insurance coverage for teens in North Carolina can be expensive. The state has an inexperienced operator surcharge that applies to drivers with less than eight years of driving experience.
The cheapest insurer for teen drivers in Concord is Erie, with an average monthly premium of $102 for liability coverage.
The table below shows the most affordable car insurance companies for teens in Concord.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $102 |
| Progressive | $112 |
| Liberty Mutual | $115 |
| GEICO | $117 |
| Direct Auto | $126 |
| National General | $129 |
| Dairyland | $130 |
| Safeco | $137 |
| Travelers | $144 |
| Allstate | $149 |
| State Farm | $177 |
See quotes from top insurers in minutes
Concord seniors, who make up just 12% of the city’s population, pay an average of $95 per month for full coverage and $64 per month for liability-only policies.
Seniors who are 66 or older and live in Concord or other parts of North Carolina must renew their licenses every five years, while drivers younger than 66 have to renew their licenses every eight years.[6]
The table below shows the cheapest coverage options for senior drivers in Concord.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $43 |
| National General | $51 |
| GEICO | $52 |
| Direct Auto | $53 |
| Progressive | $54 |
| Liberty Mutual | $55 |
| Travelers | $56 |
| Safeco | $59 |
| Allstate | $62 |
| Dairyland | $64 |
| State Farm | $72 |
The following information can help you find the most affordable coverage options in Concord.
In Concord, drivers pay an average of $92 per month for car insurance. On average, liability coverage is $74 per month, while full-coverage policies cost $110 per month, according to Insurify data.
The cheapest car insurance company for Concord drivers is Erie. Drivers pay an average of $56 per month. For full-coverage policies, the cheapest auto insurer is Direct Auto, with an average monthly rate of $88.
Insurers base Concord drivers’ insurance rates on several factors, including driving records, ZIP code, the type of vehicle you drive, and the length of your commute. You could save money by talking to your insurance agent about potential discounts, bundling your auto policy with home insurance, and comparing rates.
In 2025, North Carolina instituted new laws that raised the minimum liability coverage requirements for all drivers. As of July 1, 2025, all new or renewed policies automatically include uninsured/underinsured motorist coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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