Shelby, NC Car Insurance

On average, Shelby drivers pay a monthly average rate of around $50 for their car insurance. To learn more about policy rates and coverage in the Shelby area, continue reading our guide below.
Compared to their surrounding area, how do rates in Shelby stack up? What about against the rest of North Carolina? What rates can residents of Shelby expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Shelby?

Area Average Monthly Car Insurance Premium
Shelby$50
NC$54
United States$80

As you can see in the chart above, it is around $4 a month cheaper to insure your vehicle in Shelby than it is in the rest of North Carolina.

Compared to the national average cost of auto insurance coverage, Shelby has lower rates. It's about $30 cheaper than the national average to insure your vehicle in Shelby.

While these are the average car insurance rates for Shelby, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

But worry not, we've done the heavy lifting and broken down the average rate for Shelby to help you understand what exactly you might be asked to pay. 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$52
25-34$53
35-44$53
45-54$41
55-64$45
65+$37

It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay about $15 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Shelby.

Average Car Insurance Rates by Gender

Gender Average
Male$43
Female$58

Although women typically pay less than men do for car insurance, this is not the case in Shelby, where female drivers pay around $58 per month while male drivers pay about $43.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$55
1 Ticket$145
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. The rate for drivers in Shelby with a single accident on their record is about $66 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $145.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$44
2-3 YearsNot Enough Data
4-5 Years$49
6-7 Years$43
8-10 Years$53
11-14 Years$52
15 Years or Older$51

If you look at the first table above, the cheapest vehicles to insure in Shelby are usually trucks and vans, at $43 per month.

Car owners can expect to pay an average of around $44 a month for their policy, while SUVs usually cost around $79 a month to insure.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Shelby are vehicles eight-to-ten years old and eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$54
Married$32
Divorced$39
Widowed$40

On average, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Shelby follows that pattern, with the difference totaling to around $22 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$54

One other element taken into consideration is your living accommodations. If you rent your home or apartment in Shelby, expect to pay around $9 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a lot more.

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

Car Insurance Companies in Shelby, NC

Recent trends in car insurance for Shelby drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of car insurance in Shelby increased from 2016-2017, before leveling out in 2018. Rates finished down in 2021, at $44 a month

How does Shelby compare to neighboring areas?

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

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Access to off-street parking
  • Regional crime rates
  • Rate of car accidents
  • Number of drivers
  • Local regulations

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Shelby?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Shelby.

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Shelby Insurance FAQs

What factors affect car insurance quotes in Shelby?

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

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Shelby or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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