Salisbury, NC Car Insurance

Salisbury drivers pay, on average, around $53 a month for their car insurance. To learn more about car insurance rates in the Salisbury area, read our guide below.
What rates should residents of Salisbury expect to pay for their car insurance? Compared to their surrounding area, how do rates in Salisbury stack up? What about against the rest of North Carolina? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Salisbury?

Area Average Monthly Car Insurance Premium
Salisbury$53
NC$53
United States$81

As you can see in the chart above, car insurance rates in Salisbury are in line with the rest of North Carolina.

Car insurance rates in Salisbury are more affordable than the national average. The average monthly payment for the United States as a whole is about $28 more expensive than in Salisbury.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for Salisbury and broken down the different factors to help you understand what your monthly bill might look like. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$63
25-34$49
35-44$43
45-54Not Enough Data
55-64$42
65+$40

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Salisbury may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$54

Female drivers pay, on average, slightly less than their male counterparts. While male drivers actually pay slightly less than female drivers on their monthly auto insurance coverage, the difference in Salisbury is only about $3 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$55
Multiple Accidents$53
1 Ticket$45
Multiple Tickets$139

One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Salisbury, a driving record with one accident will usually get you a rate around $55 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $45 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$42
2-3 Years$55
4-5 Years$53
6-7 Years$43
8-10 Years$46
11-14 Years$46
15 Years or Older$63

As you can see in the first table above, the cheapest vehicles to insure in Salisbury are by and large cars, which run about $51 per month.

Truck and van drivers will see rates of about $61 for auto insurance coverage, while SUV owners typically pay around $54 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. 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)$56
Married$37
Divorced$44
Widowed$38

Overall, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

In Salisbury, the difference in rates based on relationship status can be as much as $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$41
Rent$50
Live with parents$44

Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $9 a month more than drivers who own property in Salisbury. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Salisbury, NC

Recent trends in car insurance for Salisbury drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

The rates for car insurance in Salisbury rose from 2017-2018, before steadying out in 2019. They finished down in 2022, at $42 per month

How does Salisbury compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Off-street parking accessibility
  • Total number of drivers
  • Road Safety (frequency of local car accidents)
  • Crime
  • Community laws

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Salisbury?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Salisbury.

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Salisbury Insurance FAQs

What factors affect car insurance quotes in Salisbury?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.

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

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

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

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Salisbury or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes