Cheap Auto Insurance Quotes in Concord, NC (2021)

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Car Insurance in Concord, NC

The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Concord, NC to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$47
$51
$60
$78
$99
AllstateProgressiveGEICOTravelersNationwide
Monthly $

Cheapest Car Insurance in Concord, NC

Here are the cheapest carriers in Concord for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$85
$96
$93
$88
$68
$80
North CarolinaCharlotteRaleighGreensboroDurhamConcord
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Concord, NC Driving Facts

north-carolina

Minimum Car Insurance Requirements in NC

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

Find local Concord agents

Moulton Insurance Group - Concord
250 Church Street NE, Concord, NC 28025
Byrd Agency Inc. 
797 Davidson Dr NW, Concord, NC 28025
REC Insurance, LLC 
525 Hamberton, Concord, NC 28027
United Cabarrus Insurance Agencies, Inc. 
832 Arbor St NE, Concord, NC 28025-3006
Cabarrus Life Insurance Center Inc. 
832 Arbor St NE, Concord, NC 28025
Arthur J. Gallagher Risk Management Services, Inc. 
1036 Branchview Drive, NE, Concord, NC 28026-0527
Choice One Insurance Services, Inc. 
2050 Kannapolis Hwy, Concord, NC 28027
Gilmore Insurance & Associates, Inc. 
900 Branchview Dr NE, Ste 202, Concord, NC 28025
A Better Choice Insurance Agency, Inc. 
3775 Hwy 73 E, Concord, NC 28025-9623
Beach Insurance LLC 
9280 Davidson Hwy, Ste. P, Concord, NC 28027

Insurify Insights: How Concord Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Concord, NC
suspended licenses
#40
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Concord drivers measure up to their fellow North Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Concord

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Concord drivers rank 10 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #10
  • Percent of drivers in Concord with an accident: 12.18%
  • Drivers in Concord, NC with an accident in their driving history paid on average 23.2% more than drivers with a clean record

Speeding Concord

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Concord drivers rank 22 in the number of speeding infractions per driver.

  • Rank within state: #22
  • Percent of drivers in Concord with a speeding ticket: 9.77%
  • Drivers in Concord, NC with a speeding ticket in their driving history paid on average 14.4% more than drivers with a clean record

DUI/DWIs Concord

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Concord drivers rank 25 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #25
  • Percent of drivers in Concord with a DUI: 1.42%
  • Drivers in Concord, NC with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude Concord

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Concord drivers rank 6 in rude driving infractions.

  • Rank within state: #6
  • Percent of drivers in Concord with a reckless driving violation: 1.98%
  • Drivers in Concord, NC with a reckless driving violation in their driving history paid on average 32% more than drivers with a clean record.

Safest Drivers Concord

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Concord drivers rank 4 in clean driving records across all cities in North Carolina.

  • Rank within state: #4
  • Percent of drivers in Concord with clean record: 78.61%

Failure to Yield the Right of Way Concord

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Concord drivers rank 11 in failure to yield violations per driver across all cities in North Carolina.

  • Rank within state: #11
  • Percent of drivers in Concord with a failure to yield violation: 0.28%
  • Drivers in Concord, NC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Concord

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Concord drivers rank 12 in the number of reckless driving offenses per driver.

  • Rank within state: #12
  • Percent of drivers in Concord with a reckless driving offense: --%

Most Popular Vehicle Concord

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Concord is the Honda Civic.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.