Shelby, NC Car Insurance

The average cost for car insurance in Shelby is about $50 a month. Read our guide below to learn more about your specific rates.
What rates can residents of Shelby expect to pay for their car insurance? Compared to their surrounding area, how do rates in Shelby 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 Shelby?

Area Average Monthly Car Insurance Premium
Shelby$50
NC$53
United States$81

According to the chart above, the rates you'll pay for coverage in Shelby are about the same as what you would pay anywhere else in North Carolina.

Similarly, when compared to the national average, the cost for auto insurance in Shelby is lower. On average, it's about $31 less to insure your vehicle in Shelby than it is in the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Shelby, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Shelby so that you can get a more accurate idea of what your policy will cost you. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$55
25-34$50
35-44$51
45-54$41
55-64$44
65+$37

The older you are, the more experience you're likely to have on the roads, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay $18 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up in Shelby.

Average Car Insurance Rates by Gender

Gender Average
Male$46
Female$56

While women typically pay less than men do for auto insurance, Shelby goes against the grain. Female drivers typically pay around $10 more a month for insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$52
1 Ticket$72
Multiple Tickets$90

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Shelby with a single accident on their record is about $68 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $72 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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$63
2-3 Years$47
4-5 Years$47
6-7 Years$44
8-10 Years$52
11-14 Years$52
15 Years or Older$50

In terms of affordable coverage, the cheapest vehicles to insure in Shelby are typically trucks and vans, at $45 per month.

Car owners, on the other hand, usually pay around $46 per month, while SUV drivers can expect to pay about $72 a month for insurance coverage.

You may also see different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Shelby, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$33
Divorced$39
Widowed$40

More often than not, those who are currently married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Shelby can be as much as $20 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$45
Rent$52

Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Shelby can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance 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

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

In Shelby, auto insurance rates decreased from 2017-2018, before leveling out in 2019. Rates finished down in 2022, at $34 per month

How does Shelby compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The specifics of where you call home will have an impact on your personal policy. This might include things like:

  • Road Safety (how many accidents each locality has)
  • Community laws
  • Regional crime rates
  • Off-street parking availability
  • Number of drivers in the area

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Shelby?

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.

But hold on! Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Shelby in no time.

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Shelby Insurance FAQs

What factors affect car insurance quotes in Shelby?

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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

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 Shelby?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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 Shelby 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