Statesville, NC Car Insurance

The average cost for car insurance in Statesville is about $45 a month. We cover plan rates, policies and more in our guide below.
How much can residents of Statesville expect to pay for their car insurance? How does Statesville stack up to the rest of the area, or even North Carolina as a whole? 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 Statesville?

Area Average Monthly Car Insurance Premium
Statesville$45
NC$54
United States$80

Based on the chart above, you can see that coverage in Statesville typically costs about $9 a month less than it does in the rest of North Carolina.

Similarly, car insurance rates in Statesville are often favorable when viewed against the rest of the country. Car insurance rates for the U.S. as a whole are, on average, $35 more expensive than the rates you'd pay in Statesville.

While these are the average costs to insure your vehicle in Statesville, 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 for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

We've analyzed the average rate for Statesville and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$50
25-34$41
35-44$36
45-54$59
55-64$30
65+$36

The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay about $14 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates climb back up a bit in Statesville.

Average Car Insurance Rates by Gender

Gender Average
Male$49
Female$41

Car insurance rates for men are usually slightly more expensive than they are for women. In Statesville, this difference shakes out to about $8 a month. Looking at the table above, you can see that female drivers pay around $41 on average, while male drivers typically pay $49 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$60
Multiple Accidents$86
1 Ticket$79
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Statesville with a single accident will pay around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $79 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$45
2-3 Years$43
4-5 Years$49
6-7 Years$43
8-10 Years$44
11-14 Years$41
15 Years or Older$46

According to the first table above, SUVs are typically the cheapest vehicles to insure in Statesville, with drivers paying around $44 per month to insure their vehicle.

SUV owners, on the other hand, by and large pay around $44 per month, while truck and van drivers can expect to pay about $53 a month to insure their car.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Statesville are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$47
Married$33
Divorced$44
Widowed$31

Generally, those who have settled down into marriage 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.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Statesville as well, where the difference is around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$37
Rent$46
Live with parents$104

Another factor taken into consideration is your housing situation. In Statesville, homeowners can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.

Car Insurance Companies in Statesville, NC

Recent trends in car insurance for Statesville drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In Statesville, the rates for car insurance dropped from 2016-2017, before leveling out in 2018. Rates finished down in 2021, at $44 per month

How does Statesville compare to neighboring areas?

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

There are a number of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:

  • Regional regulations
  • Off-street parking access
  • Area crime rates
  • Road Safety (how many accidents each locality has)
  • Number of drivers

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 Statesville?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Statesville.

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Statesville Insurance FAQs

What factors affect car insurance quotes in Statesville?

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 Statesville different from other neighboring cities?

Things like local laws, crime rates, and parking situations, 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 Statesville?

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 Statesville?

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. 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 Statesville 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