Charlotte, NC Auto Insurance (2024)
The average Charlotte, NC auto insurance rates are $331 per month. The minimum auto insurance in Charlotte is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Charlotte, North Carolina, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Charlotte for teen drivers is Allstate
- The average commute length in Charlotte is 25.9 minutes
- The minimum auto insurance required in Charlotte, North Carolina is 30/60/25
Charlotte, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Charlotte can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Charlotte, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Charlotte to other North Carolina cities, including Greensboro auto insurance rates, Fayetteville auto insurance rates, and Raleigh auto insurance rates to see how Charlotte, North Carolina auto insurance rates stack up.
Before you buy Charlotte, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Charlotte, North Carolina auto insurance quotes.
Minimum Auto Insurance in Charlotte, North Carolina
Charlotte, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Charlotte, North Carolina.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Charlotte, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Charlotte, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $6,863 | $6,863 | $5,621 | $5,621 | $16,683 | $16,683 | $6,998 | $6,998 |
| Geico | $2,699 | $2,652 | $2,667 | $2,621 | $4,911 | $4,870 | $2,387 | $2,374 |
| Liberty Mutual | $2,081 | $2,081 | $2,154 | $2,154 | $3,746 | $3,746 | $2,081 | $2,081 |
| Nationwide | $2,642 | $2,642 | $2,642 | $2,642 | $4,557 | $4,557 | $2,642 | $2,642 |
| Progressive | $2,111 | $2,111 | $1,953 | $1,953 | $4,791 | $4,791 | $2,317 | $2,317 |
| State Farm | $3,215 | $3,215 | $2,779 | $2,779 | $4,754 | $4,754 | $3,975 | $3,975 |
| Travelers | $2,974 | $2,974 | $2,950 | $2,950 | $5,129 | $5,129 | $3,052 | $3,052 |
Cheap Charlotte, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Charlotte, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Charlotte, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $16,683 | $16,683 |
| Geico | $4,911 | $4,870 |
| Liberty Mutual | $3,746 | $3,746 |
| Nationwide | $4,557 | $4,557 |
| Progressive | $4,791 | $4,791 |
| State Farm | $4,754 | $4,754 |
| Travelers | $5,129 | $5,129 |
Cheap Charlotte, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Charlotte, North Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $5,621 | $5,621 |
| Geico | $2,667 | $2,621 |
| Liberty Mutual | $2,154 | $2,154 |
| Nationwide | $2,642 | $2,642 |
| Progressive | $1,953 | $1,953 |
| State Farm | $2,779 | $2,779 |
| Travelers | $2,950 | $2,950 |
Cheap Charlotte, North Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Charlotte, North Carolina compared to the annual auto insurance rates with a clean record in Charlotte, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,905 | $8,640 | $15,999 | $6,621 |
| Geico | $1,619 | $2,461 | $6,221 | $2,290 |
| Liberty Mutual | $1,504 | $1,927 | $4,704 | $1,927 |
| Nationwide | $1,846 | $2,380 | $5,879 | $2,380 |
| Progressive | $1,349 | $1,961 | $5,962 | $1,899 |
| State Farm | $1,945 | $2,833 | $7,111 | $2,833 |
| Travelers | $2,073 | $2,767 | $6,561 | $2,703 |
Cheap Charlotte, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Charlotte, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Charlotte, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $15,999 |
| Geico | $6,221 |
| Liberty Mutual | $4,704 |
| Nationwide | $5,879 |
| Progressive | $5,962 |
| State Farm | $7,111 |
| Travelers | $6,561 |
Cheap Charlotte, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Charlotte, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,194 | $7,947 | $6,983 |
| Geico | $3,390 | $3,134 | $2,919 |
| Liberty Mutual | $2,516 | $2,516 | $2,516 |
| Nationwide | $3,121 | $3,121 | $3,121 |
| Progressive | $3,097 | $2,732 | $2,550 |
| State Farm | $5,173 | $3,304 | $2,565 |
| Travelers | $3,777 | $3,428 | $3,373 |
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Cheap Charlotte, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Charlotte, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Charlotte, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 28105 | $3,403 |
| 28202 | $3,309 |
| 28203 | $3,304 |
| 28204 | $3,307 |
| 28205 | $4,349 |
| 28206 | $4,348 |
| 28207 | $3,311 |
| 28208 | $4,335 |
| 28209 | $3,309 |
| 28210 | $3,251 |
| 28211 | $3,226 |
| 28212 | $4,341 |
| 28213 | $4,214 |
| 28214 | $3,417 |
| 28215 | $4,214 |
| 28216 | $4,121 |
| 28217 | $4,303 |
| 28226 | $3,226 |
| 28227 | $3,410 |
| 28244 | $3,387 |
| 28246 | $3,387 |
| 28254 | $4,063 |
| 28262 | $4,221 |
| 28269 | $3,023 |
| 28270 | $3,240 |
| 28273 | $3,433 |
| 28274 | $3,379 |
| 28277 | $3,242 |
| 28278 | $3,461 |
| 28280 | $3,422 |
| 28281 | $3,387 |
| 28282 | $3,387 |
| 28284 | $3,387 |
| 28285 | $3,387 |
| 28287 | $3,389 |
Cheap Charlotte, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Charlotte, North Carolina auto insurance. Find the cheapest annual Charlotte, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $9,041 | $9,041 |
| Geico | $3,148 | $3,148 |
| Liberty Mutual | $2,516 | $2,516 |
| Nationwide | $3,121 | $3,121 |
| Progressive | $2,793 | $2,793 |
| State Farm | $3,672 | $3,689 |
| Travelers | $3,526 | $3,526 |
Cheap Charlotte, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Charlotte, North Carolina? Check out the comparison of annual Charlotte, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $8,680 | $9,005 | $9,438 |
| Geico | $2,998 | $3,136 | $3,310 |
| Liberty Mutual | $2,385 | $2,500 | $2,662 |
| Nationwide | $2,984 | $3,105 | $3,273 |
| Progressive | $2,639 | $2,776 | $2,963 |
| State Farm | $3,503 | $3,661 | $3,878 |
| Travelers | $3,364 | $3,507 | $3,708 |
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Best By Category: Cheapest Auto Insurance in Charlotte, North Carolina
Compare the cheapest auto insurance companies in Charlotte, North Carolina in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Progressive |
The Cheapest Charlotte, North Carolina Auto Insurance Companies
What auto insurance companies in Charlotte, North Carolina are the cheapest? Compare the top Charlotte, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $9,041 |
| Geico | $3,148 |
| Liberty Mutual | $2,516 |
| Nationwide | $3,121 |
| Progressive | $2,793 |
| State Farm | $3,681 |
| Travelers | $3,526 |
What affects auto insurance rates in Charlotte, North Carolina?
There are a lot of reasons why auto insurance rates in Charlotte, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Charlotte, North Carolina. Many local factors may affect your Charlotte auto insurance rates.
Charlotte Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Charlotte, North Carolina commute length is 25.9 minutes according to City-Data.
Charlotte Traffic
How does Charlotte, North Carolina rank for traffic? According to Inrix Charlotte, North Carolina is the 218th most congested worldwide.
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Compare Charlotte, North Carolina Auto Insurance Quotes
Before you buy Charlotte, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Charlotte, North Carolina auto insurance quotes.
Frequently Asked Questions
What type of auto insurance coverage is required in Charlotte, NC?
In Charlotte, NC, drivers are required to carry liability insurance, which includes bodily injury liability and property damage liability coverage. The minimum liability limits mandated by the state are 30/60/25, which means $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident.
Are there any additional auto insurance coverage options I should consider in Charlotte, NC?
While liability insurance is the minimum requirement, it’s highly recommended to consider additional coverage options to protect yourself and your vehicle. This may include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage. These additional coverages can provide added financial protection in case of accidents, theft, or damage to your vehicle.
Are there any specific factors that can affect my auto insurance rates in Charlotte, NC?
Yes, several factors can influence your auto insurance rates in Charlotte, NC. These factors may include your driving record, age, gender, marital status, credit history, the type of vehicle you drive, your location, and the coverage options you choose. Insurance companies assess these factors to determine the level of risk you present and calculate your premiums accordingly.
How can I find affordable auto insurance in Charlotte, NC?
To find affordable auto insurance in Charlotte, NC, it’s advisable to shop around and compare quotes from multiple insurance companies. Each insurer has its own underwriting criteria and rates, so obtaining quotes from different providers will help you find the best coverage at a competitive price. Additionally, you can inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for installing safety features in your vehicle.
What should I do in case of an accident or insurance claim in Charlotte, NC?
In the event of an accident or insurance claim in Charlotte, NC, it’s important to take certain steps. These include:
- Ensure the safety of everyone involved and seek medical attention if needed.
- Contact the police to report the accident, especially if there are injuries or significant property damage.
- Exchange information with the other party involved, including names, contact details, and insurance information.
- Notify your insurance company as soon as possible and provide them with all the necessary details about the accident.
- Cooperate with the insurance company’s claims process, providing any requested documentation or evidence to support your claim.
Can I bundle my auto insurance with other insurance policies?
Yes, many insurance companies offer the option to bundle your auto insurance with other policies, such as home insurance or renters insurance. Bundling your insurance policies can often lead to discounts and cost savings. It’s recommended to inquire with your insurance provider about available bundle options and potential discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.