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.
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:
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:
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:
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.
NATIONAL:
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.
CAROLINA FARM BUREAU:
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 Rates
- Cornelius, NC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cornelius, NC
- Multi Vehicle Insurance Savings in Cornelius, NC
- How Credit Score Affects Car Insurance Rates in Cornelius, NC
- How DUI Affects Auto Insurance Premiums in Cornelius, NC
- Top Auto Insurance Agents Near Cornelius, NC
- How Driving Violations Affect Auto Insurance Rates in Cornelius, NC
- Cornelius, NC Auto Insurance Discounts on Anti Theft Feature
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 |