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 Average | National 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 Company | Average 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 bracket | Average 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/Gender | Average 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
| Violation | Average 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 Level | Average 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.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.