Salisbury, NC Car Insurance

On average, drivers in Salisbury pay around $56 per month for their car insurance. For more information refer to our guide below.
How much can residents of Salisbury expect to pay for their car insurance? How do rates in Salisbury measure up compared to neighboring areas, including North Carolina as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Salisbury?

Area Average Monthly Car Insurance Premium
Salisbury$56
NC$54
United States$80

According to the chart above, the rates you'll pay for coverage in Salisbury are on par with what you would pay anywhere else in North Carolina.

When stacked up against the national average, the average monthly policy payment for Salisbury is more affordable. It's about $24 cheaper to insure your vehicle in Salisbury compared to the average rate for the U.S. as a whole.

Although these are the average rates for auto insurance in Salisbury, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Salisbury residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$72
25-34$53
35-44$41
45-54$41
55-64$43
65+$33

The longer you've been behind the wheel, the more experienced of a driver you are. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Salisbury may see their rates climb back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$58

Although women typically pay less than men do for auto insurance, this is not the case in Salisbury, where female drivers pay around $4 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$56
Multiple Accidents$58
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Salisbury with a single accident on their record will usually see rates around $56 a month.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$41
2-3 Years$55
4-5 Years$74
6-7 Years$42
8-10 Years$43
11-14 Years$46
15 Years or Older$75

According to the first table above, cars are by and large the cheapest vehicles to insure in Salisbury, with drivers paying around $54 per month for insurance.

SUV owners, on the other hand, typically pay around $59 per month, while truck and van drivers can expect to pay about $64 a month for car insurance.

Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Salisbury, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$34
Divorced$44
Widowed$38

Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Salisbury, with married couples paying about $28 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$53
Live with parents$44

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Salisbury, expect to pay around $14 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Salisbury, NC

Recent trends in car insurance for Salisbury drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of auto insurance in Salisbury went up from 2016-2018, before leveling out in 2019. Policy premiums finished up in 2021, at $49 per month

How does Salisbury compare to neighboring areas?

Why are car insurance rates in Salisbury different from other areas?

Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

  • Area regulations
  • Road safety
  • Total number of drivers
  • Off-street parking accessibility
  • Crime levels

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Salisbury?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Luckily, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies providing coverage in Salisbury.

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Salisbury Insurance FAQs

What factors affect car insurance quotes in Salisbury?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Salisbury different from other neighboring cities?

Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Salisbury?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Salisbury?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Salisbury or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes