Cheapest Car Insurance Quotes In Concord, NC For 2025
If you’re looking for the most affordable minimum coverage in Concord, North Carolina Farm Bureau is the best choice at just $24 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of car insurance in Concord, NC, varies a lot, making it important to compare options for the best deal.
If you need the lowest-cost liability-only insurance, North Carolina Farm Bureau is the best option. Erie provides the most competitive full coverage rates, and Erie once more is the most budget-friendly for young drivers.
Cheapest Car Insurance Companies In Concord, NC 2025
Cheapest Liability-only Car Insurance In Concord: North Carolina Farm Bureau
North Carolina Farm Bureau provides the cheapest minimum coverage car insurance in Concord, with an average monthly rate of $24.
Use the following table to see how different insurance companies’ rates stack up.
| Provider | Average Monthly Cost | Average Annual Cost |
| North Carolina Farm Bureau | $24 | $288 |
| State Farm | $31 | $372 |
| Erie | $26 | $312 |
| Nationwide | $45 | $540 |
| Progressive | $46 | $552 |
Cheapest Full Coverage Insurance Rates In Concord: Erie
In Concord, Erie provides the cheapest full coverage car insurance, costing about $55 per month.
Check the table below for a comparison of affordable auto insurance rates in Concord.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $55 | $660 |
| North Carolina Farm Bureau | $57 | $684 |
| State Farm | $61 | $732 |
| Nationwide | $97 | $1,164 |
| Progressive | $70 | $840 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
Direct Auto provides the most affordable car insurance for seniors in Concord, with an average monthly cost of $50.
Check the table below for a comparison of the cheapest car insurance rates available to seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $50 | $600 |
| National General | $80 | $960 |
| Erie | $74 | $888 |
| State Farm | $82 | $984 |
| North Carolina Farm Bureau | $84 | $1,008 |
Cheapest Rates In Concord For Teenagers: Erie
In Concord, teenage drivers can get the cheapest car insurance from Erie, averaging $133 a month.
Check the table below for a comparison of the cheapest car insurance providers for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $133 | $1,596 |
| Direct Auto | $150 | $1,800 |
| North Carolina Bureau | $138 | $1,656 |
| GMAC | $153 | $1,836 |
| State Farm | $152 | $1,824 |
Cheapest Auto Insurance For Young Adults in Concord: Erie
Erie provides the lowest car insurance rates for young adults in Concord, averaging $28 a month.
Use the table below to find and compare the most affordable car insurance rates for young adults in Concord.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $28 | $312 |
| Grange Insurance | $28 | $336 |
| Iowa Farm Bureau | $30 | $360 |
| American Family | $31 | $372 |
| GEICO | $35 | $420 |
Cheapest Car Insurance In Concord For Good Drivers: North Carolina Farm Bureau
In Concord, good drivers can save the most on car insurance with North Carolina Farm Bureau, where rates are around $24 a month.
Use the table below to find average quotes from the cheapest insurance companies if you’re a good driver.
| Provider | Average Monthly Cost | Average Annual Cost |
| North Carolina Farm Bureau | $24 | $288 |
| State Farm | $31 | $372 |
| Erie | $26 | $312 |
| Nationwide | $45 | $540 |
| Progressive | $46 | $552 |
Find affordable Concord rates
Cheapest Car Insurance In Concord After A Speeding Ticket: North Carolina Farm Bureau
Compared to other companies in Concord, North Carolina Farm Bureau offers very low rates, averaging $33 per month for drivers with a speeding ticket.
Use the table below to check out the average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| North Carolina Farm Bureau | $33 | $360 |
| GEICO | $33 | $396 |
| Travelers | $34 | $408 |
| Iowa Farm Bureau | $31 | $372 |
| Western National | $35 | $420 |
Cheapest For Drivers With After At-Fault Accident: North Carolina Farm Bureau
North Carolina Farm Bureau provides the most affordable car insurance for drivers with an at-fault incident, with an average monthly premium of $32.
The following list shows the companies with the cheapest car insurance rates for drivers who have an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| North Carolina Farm Bureau | $32 | $384 |
| Travelers | $35 | $420 |
| West Bend | $36 | $432 |
| Auto-Owners | $37 | $444 |
| American Family | $33 | $396 |
Cheapest Rates In Concord For Drivers After A DUI: National General
After a DUI, National General provides the most affordable car insurance in Concord, averaging $70 per month.
Use the table below to compare the cheapest insurance rates for drivers with a DUI in Concord.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $70 | $300 |
| American Family | $30 | $360 |
| West Bend | $40 | $480 |
| Grange | $41 | $492 |
| Travelers | $43 | $516 |
Best Car Insurance Companies In Concord
In Concord, North Carolina Farm Bureau provides the most affordable car insurance, with rates starting at $24 per month. Erie and State Farm are also good options, at $26 and $31 a month, respectively.
The following list shows the top 10 car insurance companies in Concord, NC, ranked by their average monthly premiums.
| Company | Monthly Premium |
| North Carolina Farm Bureau | $24 |
| State Farm | $31 |
| Erie | $26 |
| Nationwide | $45 |
| Progressive | $46 |
| Travelers | $55 |
| Direct Auto | $61 |
| Safeco | $63 |
| Dairyland | $60 |
| National General | $66 |
Average Auto Insurance Rates In Concord – By Age
Car insurance rates are heavily influenced by age, with younger drivers generally paying more. This is due to their inexperience and higher risk of accidents and violations. Teenagers can expect an annual premium of around $2,695.
At 25, many drivers see a decrease in their insurance rates, as long as they maintain a spotless driving history.
People in their 50s and early 60s often receive the most competitive insurance rates because age is used to evaluate driving experience and risk, influencing how much they pay.
| Age | Average Yearly Rate |
| Teenagers | $2,695 |
| 20s | $1,702 |
| 30s | $1,963 |
| 40s | $1,337 |
| 50s | $1,258 |
| 60s | $1,369 |
| 70s | $1,102 |
Average Cost Of Auto Insurance In Concord – By Zip Code
Your zip code plays a role in determining local crime rates, and as a result, car insurance rates differ by zip code.
Use the table below to compare car insurance rates across different zip codes in Concord.
| Zip Code | Average Monthly Rate |
| 28025 | $120 |
| 28027 | $140 |
Average Rates In Concord – By Vehicle
Your vehicle’s type plays a big part in how much you’ll pay for car insurance. Insurance companies look at factors like the make, model, year, and body style. Newer cars, particularly luxury ones with advanced features and high replacement costs, often come with higher premiums.
Use the table below to compare the average car insurance rates in Concord for different vehicles.
| Vehicle | Average Monthly Rate |
| Kia Sportage | $154 |
| Honda Hrv | $97 |
| Mercedes Benz C | $55 |
| Toyota Camry | $60 |
How Much Is Car Insurance In Other Cities in North Carolina?
Your city of residence can have a big impact on your car insurance costs. Insurance companies consider factors such as accident rates, vehicle theft, and vandalism, which are often higher in urban areas, leading to higher premiums.
As an example, drivers in Charlotte typically pay about $156 per month for car insurance, while those in Asheville pay an average of $105 a month.
| City | Average Monthly Rate |
| High Point | $124 |
| Greensboro | $137 |
| Greenville | $142 |
| Charlotte | $156 |
| Asheville | $105 |
| Cary | $121 |
| Chapel Hill | $123 |
| Raleigh | $135 |
| Durham | $154 |
| Fayetteville | $149 |
Find affordable Concord rates
Our Methodology
I've created a comprehensive overview of car insurance companies in Concord, NC, based on a detailed analysis of customer service, pricing, product choices, and user feedback from various review sites.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Concord?
For minimum coverage, North Carolina Farm Bureau offers the lowest car insurance rates in Concord, and for full coverage, which includes comprehensive and collision, Erie has the best rates.
What is the average cost of car insurance in Concord?
On average, car insurance in Concord costs about $130 a month, but this can change based on factors such as your zip code, vehicle type, and driving record.
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