Cornelius Auto Insurance Rates, Quotes, Agents & Reviews in NC

Cornelius, NC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Cornelius, NC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Top 5 Most Popular Car Insurance Companies in Cornelius, NC

The average cost of car insurance in Cornelius, NC, is $1,066. This cost is higher than the nearby locations like Huntersville and Mooresville but lower than other nearby locations like Catawba Springs, Lowesville, and Davidson.  Car owners in Cornelius, NC, can save more by comparing multiple quotes offered by different insurance companies. Zimlon’s research identified the top five car insurance companies in Cornelius, NC, by market share, which are discussed in detail below.



State Farm is in the first position with 946,301 direct premiums written and 947,830 direct premiums earned. According to the NAIC data, State Farm’s market share in North Carolina is 14.87%. For car owners in Cornelius, NC, State Farm offers numerous discounts to lower car insurance costs. These discounts include accident-free discounts, anti-theft discounts, and driver improvement course discounts.


Geico is in the second position with 780,564 direct premiums written and 758,069 direct premiums earned. The market share of the Geico in North Carolina is 12.26 %, as per the NAIC data. In Cornelius, NC, Geico’s car insurance costs can vary depending on factors like vehicle equipment, driving history and habits, driver's education, driver affiliations, and customer loyalty.


Nationwide is in the third position with 689,089 direct premiums written and 700,293 direct premiums earned. NAIC data shows that the market share of Nationwide in North Carolina is 10.83%. Nationwide provides various discounts to car owners in Cornelius, NC. It includes but is not limited to multi-policy, SmartRide, SmartMiles, and Good student. 


The National General insurance group is in the fourth position with 645,503 direct premiums written and 616,940 direct premiums earned. The market share of National in North Carolina is 10.14 %, according to the NAIC. National General insurance quotes in Cornelius, NC, can vary depending upon factors like driver’s credit scores, the number of safety equipment installed, and deductibles. 


The Carolina Farm Bureau is in the fifth position with 612,305 direct premiums written and 603,765 direct premiums earned. The market share of the Carolina Farm Bureau is reported to be 9.62% in North Carolina by NAIC. For car owners in Cornelius, NC, factors such as the driver’s age, annual mileage, coverage type, and driver’s credit scores can influence the cost of car insurance offered by the Carolina Farm Bureau.

Factors that can influence the cost of car insurance in Cornelius, NC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Cornelius, NC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Cornelius, NC with that of other cities in and around Cornelius.

Cornelius Huntersville Mooresville Catawba Springs Lowesville Davidson
Average Insurance Rates $1,066 $986 $962 $1,373 $1,349 $1,130

Cornelius, NC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Cornelius, NC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Cornelius $1,641 $1,386
Huntersville $1,306 $1,103
Westport $1,958 $1,654
Davidson $1,325 $1,119
Lowesville $1,187 $1,002
Catawba Springs $1,629 $1,376
Coddle Creek $1,844 $1,557
Mooresville $1,392 $1,175

Cornelius, NC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Cornelius, NC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,459
20 Years $1,370
30 Years $1,055
40 Years $1,015
50 Years $940
60 Years $953
70 Years $1,109

Cornelius, NC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Cornelius, NC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,834 $298
3 Vehicles $2,750 $448
4 Vehicles $3,667 $597

Savings on 2 Vehicles bundle:$298

Savings on 3 Vehicles bundle:$448

Savings on 4 Vehicles bundle:$597

Cornelius, NC Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cornelius, NC.

Location Average Insurance Cost Post DUI Insurance Rate
Cornelius $1,066 $4,372
Huntersville $986 $4,044
Westport $1,508 $6,185
Davidson $1,130 $4,635
Lowesville $1,349 $5,533
Catawba Springs $1,373 $5,631
Coddle Creek $1,010 $4,142
Mooresville $962 $3,946

Cornelius, NC Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $915
Excellent (740-799) $1,044
Good (670-739) $1,111
Average (580-669) $1,449
Poor (300-579) $1,739

Cornelius, NC Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Denis Wilson State Farm 1850 E 3rd St Ste 360, Charlotte, 28204-3299 704-376-4088
Annette Burkhard State Farm 14316 Reese Blvd W Ste A, Huntersville, 28078-7911 704-948-5600
Ryan Mahoney State Farm 8854 Arbor Creek Dr, Charlotte, 28269-0541 704-274-9410
Sally Brooks State Farm 491 Williamson Road, Mooresville, 28117 704-799-6400
Kim Fewell Allstate 1037 Providence Rd Ste C, Charlotte, 28207 (980) 875-9385
Craig Berry State Farm 9900 Poplar Tent Rd Ste 120, Concord, 28027-9508 704-237-4999
Superior Insurance Travelers 294 W PLAZA DR A1, MOORESVILLE, 28117 704-663-0624
Lake Norman Benefits, Inc. None 109 Professional Park Dr Ste 103, Mooresville, 28117 None
Insurance Management Co., Inc None 11330 Vanstory Dr, Huntersville, 28078 None
Fogle Ins Liberty Mutual Independent 10105 HICKORYWOOD HILL AVE, HUNTERSVILLE, 28078 (704) 875-3060
Marsh & Mclennan Co Inc Liberty Mutual Independent 440 S CHURCH ST STE 500, CHARLOTTE, 28202 (704) 973-2150

Cornelius, NC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$47 $1,113
Driver's Failure In Showing Documents +$103 $1,169
Driving With An Expired Registration +$110 $1,176
Driving At A Considerably Slow Pace +$231 $1,297
Using A Cellphone While Driving +$244 $1,310
Running A Red Light +$248 $1,314
Speeding +$261 $1,327
Driving A Vehicle Without The Required Permission +$332 $1,398
Driving With An Expired/Suspended License +$718 $1,784

Cornelius, NC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,023
Active Disabling Device $1,023
Tracking Device $1,002
Passive Disabling Device $991