Concord, NC Car Insurance

Car insurance costs an average of $82 each month in Concord. Paying too much? Enter your ZIP to compare rates.

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How much does auto insurance cost in Concord?


Car insurance coverage costs an average of $994 each year in Concord. That's more than the North Carolina average ($955) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Concord.


AUTO INSURANCE COSTS: CONCORD VS. STATE AND U.S. AVERAGES
Concord Average (yearly)North Carolina AverageNational Average
$994$955$1,548

Table of contents:

Concord auto insurance rates by insurer


The difference in auto insurance rates from company to company can be dramatic. For a typical driver, GEICO offers Concord's most affordable premiums. See below the best options for affordable auto insurance in Concord. Don't forget to get car insurance quotes based on your driving profile.


CONCORD CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
GEICO$562
North Carolina Farm Bureau$817
Erie$868
State Farm$874
Nationwide$1,071

Read our guide to finding the best cheap auto insurance.



Concord auto insurance premiums by age

Concord drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $932 per year, on average. Those in their 60s don't pay significantly more ($932).

Teenage drivers pay Concord's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Concord is to age out of your teenage years. In Concord, teenage drivers pay $2,243 — a full $1,311 more than the second-most expensive rate paid by an age group.


CONCORD AUTO INSURANCE COSTS BY AGE
Age bracketAverage Annual Rate
Teenagers$2,243
20s$1,083
30s$987
40s$969
50s$932
60s$932
70s$992

Learn more about the impact of age on auto insurance rates.



Concord car insurance premiums by gender and marital status


Marital status and gender can play roles in how car insurance companies set rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Concord pay $7 more than single drivers for auto insurance.

Gender is another factor that can affect auto insurance rates.


CONCORD CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$994
Male$994
Single$994
Married$1,001
Divorced$994
Widowed$994

Read more about the relationships between gender, marital status and insurance rates.



Concord car insurance premiums by accident and citation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to a hike in your insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Concord drivers found guilty of reckless driving face insurance rate increases of $866 per year, compared to the citywide average. A DUI violation may lead to a $3,552 increase, while a citation for speeding leads to a $512 rate hike.


CONCORD CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage Annual Rate
DWI/DUI$4,546
Reckless Driving$1,860
At-fault Accident (damages < $1,000)$1,335
At-fault Accident (damages > $2,000)$1,631
Speeding Ticket (16-20 mph over speed limit)$1,506

Get more info on how a bad driving history can impact your car insurance costs.



Concord car insurance rates by credit level


Credit score is often closely related to car insurance costs. In fact, Concord drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 37% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important milestone when looking to save money on auto insurance. In Concord, improving your credit to "Fair" could help you earn a $213 decrease in annual car insurance rates.


CONCORD CAR INSURANCE RATES BY CREDIT SCORE
Credit LevelAverage Yearly Rate
Very Poor$1,497
Fair$1,284
Good$1,170
Very Good$1,022
Exceptional$943

Discover more about the relationship between credit scores and car insurance rates.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.