Concord has 108,719 residents in 38,669 households. We list 4 agencies for auto insurance in Concord. Here is what the local numbers say about the cover people here need.

Concord at a glance

4auto insurance agencies listed
34.8%of households rentRenters insurance
$353,700median home valueHome insurance
1998median year homes were builtRebuild cost calculator
4.5%of households have no carAuto insurance
3%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Cabarrus County

FEMA rates the overall natural hazard risk in Cabarrus County, where most Concord agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Concord

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in North Carolina

North Carolina requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $50,000 of property damage liability, often written 50/100/50. It also requires underinsured motorist coverage.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Concord How much liability cover do you need?

Source: ncdoi.gov, limits in force since 2025-07-01. Checked 2026-10-24.

Where Concord agencies are

Concord agencies we list sit in 2 ZIP codes, mostly in Cabarrus County.

280252 agencies
280272 agencies

Questions

Auto insurance in Concord

All insurance agencies in Concord · Auto insurance across North Carolina

Where can I find auto insurance in Concord?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Do I need flood insurance in Concord?

FEMA's National Risk Index rates inland flooding risk in Cabarrus County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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