Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 4, 2020

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Here's what you need to know...

  • North Carolina is a Tort state
  • Insurance premiums in Charlotte average around $1,420 annually
  • Many insurance companies in Charlotte offer extensive coverage options
  • Before deciding on an insurance company, compare rates to find the best deal

There are many options for car insurance coverage in Charlotte, North Carolina. Discover the best options for your needs by reading the article below.

Compare coverage options for FREE with our ZIP code search and compare car insurance quotes from multiple companies in your area!

Charlotte Tort Car Insurance

North Carolina is a tort state. When a driver hits another driver and causes bodily injuries, the person at fault must pay everyone’s medical bills. Similarly, the driver at fault has the responsibility to pay for all car repair bills.

Because of tort laws, drivers in Charlotte need to consider the ramifications of causing an accident.

At the very least, individuals need to seek the minimum liability coverage required in North Carolina.

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Car Insurance Rates for Charlotte

The average insurance rate Charolotte drivers can expect to pay for car insurance is $1,419. As this is an average, some people will qualify for lower rates and others will have to pay even higher rates. Even if they are being quoted low rates, everyone wants to pay the least amount possible.

Therefore, those who have great driving records and are always quoted low rates as well as those who have several points on their driving records would benefit from comparing quotes from more than one auto insurance company.

Monthly Charlotte, NC Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Charlotte, North Carolina auto insurance rates by ZIP Code below:

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Charlotte, NC Car Insurance Rates by Company vs. City Average

Which Charlotte, NC car insurance company has the best rates? And how do those rates compare against the average North Carolina car insurance company rates? We’ve got the answers below.

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The Cheapest Charlotte, NC Car Insurance Rates by Credit Score

Your credit score will play a significant role in your Charlotte car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Charlotte, NC car insurance rates by credit score below.

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Charlotte, NC Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Charlotte, North Carolina stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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The Cheapest Charlotte, NC Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Charlotte car insurance rates. Find the cheapest Charlotte, NC car insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Charlotte, NC

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. NC does not use gender, so check out the average monthly car insurance rates by age in Charlotte, NC.

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Charlotte, NC Car Insurance Rates by Company and Age

Charlotte, NC car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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The Cheapest Charlotte, NC Car Insurance Rates by Driving Record

Your driving record will play a major role in your Charlotte car insurance rates. For example, other factors aside, a Charlotte, NC DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Charlotte, NC car insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Charlotte, NC

Factors affecting car insurance rates in Charlotte, NC may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Charlotte, North Carolina car insurance.

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Charlotte Liability Insurance

Purchasing the minimum requirements for liability insurance will help people avoid losing everything to lawsuits if they cause an accident. Because everyone has the potential to hit someone while driving, everyone who drives must purchase car insurance to cover third party medical bills and property repair bills.

These minimum requirements for North Carolina auto insurance are written as 30/60/25.

The first number represents the $30,000 drivers must pay for one injured person’s medical bills. The second number means that $60,000 needs to be set aside to cover all injuries obtained in the accident. The third number designates $25,000 toward the repairs of everything from vehicles to city and private property.

These mandatory requirements will be of great assistance to drivers who cause serious damage to a third party if they cause a collision, but bills can also surpass these minimum amounts. In that case, Charlotte drivers should purchase adequate coverage in order to cover any extra costs.

If drivers do this, they will save themselves from having to pay anything out of pocket.

Charlotte Driving Laws

In order to be a legal driver in Charlotte, people must purchase their North Carolina car insurance and be ready to prove they have done so to the DMV.

Drivers do this when they register their vehicles by presenting their certificates of insurance. These certificates must contain their policy numbers as well as the auto insurance company’s name; then, individuals will be able to update their registrations.

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Consequences for Canceling Car Insurance in Charlotte

After purchasing liability coverage, Charlotte drivers must not think that they can neglect their car insurance coverage.

Drivers must have continuous liability coverage if they are going to drive on Charlotte’s roads.

If they don’t, their auto insurance companies have the obligation to notify the DMV that the policy has either been canceled by the client or has been allowed to lapse by non-payment of premiums.

Once the DMV has been notified that a person dropped their insurance coverage, the individual will receive a letter asking them to prove they have new coverage, and they must respond within 10 days.

They will also have to pay a fee for allowing their coverage to end.

Drivers who don’t respond to the letter may have their licenses suspended for at least a month, and more fees will be levied when they try to have their licenses reinstated.

Negative Outcomes for Car Insurance in Charlotte

Charlotte drivers won’t be able to keep it a secret if they let their auto insurance policies expire or cancel them, so it’s not a good idea for them to let this happen. The other reason this is not a good plan is because the next company will become aware that a new applicant’s insurance has been allowed to lapse in the past.

Car insurance companies seek to decrease the amount of risk they take on when they are insuring new drivers.

If they perceive someone to be a risk-taker, they may decide they are not worth insuring, or they will charge them a lot more money than those who pose a lower risk.

Because they need to know who is a risk-taker based on past behavior, they seek to find out if new applicants have kept up their car insurance continuously. Those who are willing to driver their vehicles without insurance are added to the high risk pool.

What’s Happening on Charlotte’s Roads

Good news is coming out of Charlotte that will only have the effect of lowering car insurance rates for the residents; thefts of automobiles have been decreasing over the years. In 2006, 9,401 vehicles were stolen in the Charlotte area. In 2008, this number dropped to 7,542.

Teenagers are causing more accidents on Charlotte’s roads mainly because of their inexperience. Three common denominators have been popping up frequently in two-thirds of the accidents that have been caused by teenage drivers:

  • They do not realize possible dangers as quickly as more experienced drivers.
  • They underestimate their abilities to maneuver their vehicles in difficult conditions.
  • They are easily distracted when behind the wheel.

Being an inexperienced driver is one of the main reasons that Charlotte companies charge very high auto insurance premiums for people who have just obtained their licenses.

These drivers are likely to cause more accidents than most of the other age groups, excluding the 85+ age group. With time, as teenage drivers gain experience and age out of one of the most dangerous demographics for driving, their rates should begin to decrease.

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Choosing the Best Car Insurance in Charlotte

Car insurance companies, by law, must offer every applicant liability coverage in all of their policies. This may not be sufficient coverage for the most conscientious drivers, and they may want to purchase more than the minimal liability coverage. The recommended amounts for car insurance are much higher:

  • $100,000 to cover one person’s bodily injuries,
  • $300,000 for all injuries that the policyholder has caused and
  • $100,000 for all property damage bills.

Raising the amount of money for liability insurance will raise the price of the insurance.

If the applicant is someone who is a high risk, the rates will be very high. Other factors also may lead Charlotte agencies to quote the highest prices to people who want to do the responsible thing and purchase enough liability coverage for the worst case scenarios.

These people won’t necessarily have to pay the punishing rates that some insurance companies and agencies will quote them.

They can weed out those companies that will quote them very high rates by comparing the several quotes they will receive when they go to the comparison website.

From the multiple quotes they receive, they can gather the ones that give them reasonable rates and choose the car insurance company or agency that appears to be the best.

Judging which insurance agency will offer the best service is not as difficult as some people think. Drivers can determine this by reviewing company ratings by the Better Business Bureau or checking out a company’s financial status through A.M. Best or Moody’s.

If you are searching for car insurance coverage in Charlotte, use our FREE quote tool below to compare rates from multiple providers today!