Insurance in Concord, NC

Madison Insurance Group is an independent agency headquartered on Highway 73 East in Concord, and because we compare your car, your house and everything else you own across our carrier network instead of selling one brand, a Cabarrus County household gets one local office running the whole list rather than four companies to call.


Walk in, call, or send us the renewal you just opened.


Madison Insurance Group, 3775 HWY 73 E, Concord, NC 28025

(704) 782-2073


Monday through Friday, 9am to 5pm. Weekends by appointment.

A living room filled with furniture and a potted plant on a rainy day.

Car Insurance in Concord, and What North Carolina Now Requires

North Carolina raised its minimum liability limits in July 2025, and a policy written before that date may not match what the state asks for now. Every North Carolina auto policy has to carry at least:


  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident
  • Uninsured and underinsured motorist coverage at limits matching the liability limits above


Cost in this market is a territory question. Full coverage averages about $105 a month across North Carolina and closer to $122 a month in Concord, and those are market averages rather than a price we quote, because auto rates are set by ZIP code, driving record, vehicle and annual mileage. A driver on the I-85 and NC-73 commute toward Charlotte is rated differently from a driver who stays inside Cabarrus County, and the traffic that builds around Concord Mills and Charlotte Motor Speedway on race weekends is part of what makes this a busier territory than the state as a whole. An average is not a quote, and the only number that means anything is the one written on your own information.


We can walk you through the coverage side line by line, from what liability actually pays to how collision and comprehensive differ, on our auto insurance page or across the desk here on Highway 73.

Homeowners Insurance for Older Concord Homes and Newer Subdivisions

Housing in this market runs two ways, and the conversation changes with it. In and around downtown Concord and Kannapolis, the older housing stock puts roof age, roof material and replacement cost at the center of the quote, and an older roof is the single most common reason a homeowner here has trouble getting placed. Out in the newer subdivisions the question is different: the house has appreciated, construction costs have moved, and the limit written when the policy started may no longer match what it would cost to rebuild.


We look at both the same way, by pricing the rebuild rather than the tax value and then comparing homeowners insurance across our carrier network until the coverage and the number line up.

Rental Houses and Duplexes in Concord and Kannapolis

Rental housing is a real part of this market, and a house you rent out is not covered by the homeowners policy you carried when you lived in it. Once tenants move in, the property needs landlord and rental property insurance, which covers the structure, your liability as the owner, and the rental income you lose if a covered loss makes the unit unlivable. Whether it is one rented house in Kannapolis or a duplex in downtown Concord, we write it from this office.

Boats on Lake Norman and High Rock, Insured From Concord

The Lake Norman and High Rock Lake corridor is this office's recreational market, and a boat kept on a lift or trailered out on Saturday mornings needs its own policy. A homeowners policy extends only a small property cap to a small boat and very little liability once the boat is in the water, so the hull, the motor, the trailer and the people aboard belong on boat and watercraft insurance instead. Where a boat is kept and how far it travels are rated questions, which is why the answer for a Lake Norman owner and a Badin Lake owner is not the same.

The Rest of What We Write From This Office

One visit covers the whole household, not just the car in the driveway.


  • Renters insurance for an apartment or a rented house, on its own or bundled with auto
  • Flood insurance through private carriers and the federal flood program, for property that sits low or near water
  • Motorcycle and powersports insurance for bikes, scooters, ATVs and side-by-sides on Cabarrus and Rowan county land
  • RV and motorhome insurance for rigs stored beside the house or camped at the Speedway on race weekends
  • Short-term rental and Airbnb insurance for a property hosting paying guests
  • Builder's risk insurance for new construction, additions and renovations while the work is underway
  • Health and life insurance


Bring the whole list in one conversation and we will take it line by line, rather than quoting the car today and the house in six months.

Towns We Cover From Concord and China Grove

Concord is the Cabarrus County seat, and our headquarters sits on Highway 73 East. From here we regularly write:


  • Concord and Harrisburg
  • Kannapolis
  • China Grove
  • Midland and Mount Pleasant
  • The Rowan County side up US-29 toward Salisbury


If you are north of Kannapolis, our second Piedmont office is closer: 113 N. Main St., Ste. B, China Grove, NC 28023, (704) 857-9003. Cabarrus and Rowan county drivers are priced on their own territory rather than a statewide number, and we also write statewide across North Carolina and work with clients remotely as easily as in person.

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Why Cabarrus and Rowan County Households Call This Office

  • We are independent, so one visit runs the car, the house, the rental property and the boat across our carrier network instead of a single brand's rate.
  • We work without quotas, so the recommendation you get is the one that fits, not the one that pays.
  • Our licensed agents explain coverage in plain language, in English or Spanish.
  • You can drive here. The address on this page is the address you walk into, and the number on this page rings this office.
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What Concord Clients Say

More reviews from our North Carolina clients are on our testimonials page.

Questions we hear from Concord and Kannapolis

  • Is there an insurance office near me in Concord, NC?

    Yes. Madison Insurance Group's headquarters is at 3775 HWY 73 E, Concord, NC 28025, open Monday through Friday from 9am to 5pm, with weekends by appointment. The office number is (704) 782-2073. We also have a second Piedmont office in China Grove for clients coming from Kannapolis and Rowan County.

  • How much is car insurance in Concord, NC?

    Full coverage averages roughly $122 a month in Concord against about $105 a month across North Carolina, and both of those are market averages rather than a quoted price. Concord runs above the state figure because auto rates are set by territory, and ZIP code, driving record, vehicle and mileage all move the number from there. The only figure that applies to you is the one written against your own information.

  • Can I walk into an insurance agency in Concord to get a quote?

    Yes. Our Concord office takes walk-ins Monday through Friday between 9am and 5pm, and weekends can be arranged by appointment. Bring your current declarations page, your vehicle information or your home details, and we can compare carriers while you are here. If getting in during the week is hard, we can do the same thing by phone or email.

  • Which insurance agency covers Kannapolis and China Grove?

    We do, from two Piedmont offices. Kannapolis sits between our Concord headquarters on Highway 73 East and our China Grove office at 113 N. Main St., Ste. B, so most clients pick whichever door is on their way home. Both offices write the same lines and share the same carrier network.

  • Who can insure my car and my house in Cabarrus County?

    An independent agency can write both, and there is a practical reason to keep them together. Carrying home and auto with the same carrier is the most common multi-policy discount available in North Carolina, and having one agent holding both means a change to one gets checked against the other. We compare the pair across our carrier network rather than quoting them separately.

A living room with a bean bag chair and potted plants in front of a window.

Get a Concord Quote Started Today

Tell us which coverage you are after and we will get the comparison running, whether that is one car, the house and both cars, or the whole list including the rental property and the boat.

Call our Concord office at (704) 782-2073, or China Grove at (704) 857-9003 if that door is closer.


Madison Insurance Group, 3775 HWY 73 E, Concord, NC 28025. Monday through Friday, 9am to 5pm, with weekends by appointment.