Impact Insurance Partners, LLC
1140 Sam Newell Rd, Suite B5, Matthews, NC 28105
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Matthews households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1140 Sam Newell Rd, Suite B5, Matthews, NC 28105
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2217 Matthews Township Pkwy Suite D-312, Matthews, NC 28105
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215 Sardis Grove Ln, Matthews, NC 28105
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408 Middleton Ave, Matthews, NC 28104
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2540 Plantation Center Drive, Matthews, NC 28105
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Learn about insurance coverage options specific to Matthews residents.
Complete 2025 insurance guide for Matthews, NC. New auto requirements, home coverage costs, flood insurance, and 5 local agents to help you save.
Home InsuranceMatthews homeowners pay $2,037/year on average. Learn about storm coverage, historic home insurance, and rising rates in Mecklenburg County for 2025-2026.
Car InsuranceMatthews, NC auto insurance guide: new 50/100/50 minimums, at-fault rules, I-485 traffic risks, and average costs. Get the coverage you need in Mecklenburg County.
As of July 1, 2025, North Carolina requires minimum liability coverage of 50/100/50: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $50,000 for property damage. You also need matching uninsured/underinsured motorist coverage. These are among the highest minimum requirements in the country.
In the Charlotte metro area, which includes Matthews, full coverage auto insurance averages around $2,647 per year. Minimum coverage costs about $784 annually. Rates vary significantly by provider, driving record, and vehicle, so shopping around can save you hundreds of dollars.
Standard homeowners insurance doesn't cover flooding, so you'll need a separate flood policy if you're in a flood-prone area. If you have a federally backed mortgage and live in a high-risk flood zone, it's required. Even outside high-risk zones, flood insurance is worth considering—it averages $925 per year in North Carolina through the NFIP.
Homeowners insurance in Matthews typically costs around $1,265 to $2,269 per year, depending on your home's value, coverage limits, and chosen insurer. With Matthews' average home value around $352,600, you should carry coverage equal to at least 80% of your home's replacement cost to avoid being underinsured.
Yes, bundling typically saves 15% to 25% on your combined premiums, which can add up to $500 or more annually. Most major insurers offer multi-policy discounts, and working with the same company for both policies also simplifies billing and claims.
Matthews has five local insurance agencies representing major carriers. Look for agents who understand the area, offer multiple insurance companies to compare, respond quickly to questions, and have good reviews for claims handling. Meet with at least three agents to compare quotes and service.
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