Compare Charlotte, IA Car Insurance Rates (2021)

Car insurance in Charlotte, IA averages $244 a month. Charlotte, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Charlotte car insurance rates, compare quotes from the top car insurance companies in Charlotte, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Charlotte is USAA
  • The cheapest car insurance company in Charlotte for teen drivers is USAA
  • Average car insurance rates in Charlotte, IA after a DUI are $3,538/year

If you need to buy Charlotte, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Charlotte, IA is right here.

You’ll find Charlotte car insurance rates, the cheapest Charlotte, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Charlotte, Iowa car insurance rates to Waterloo car insurance rates, West Des Moines car insurance rates, and Cedar Rapids car insurance rates.

Ready to find affordable Charlotte, IA car insurance today? Enter your ZIP code for fast, free Charlotte car insurance quotes.

Cheapest Charlotte, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Charlotte, IA car insurance rates? Every Charlotte, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Charlotte, Iowa

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 $1,934 $1,852 $1,724 $1,752 $5,695 $6,430 $2,096 $2,156
American Family $2,025 $2,025 $1,810 $1,810 $5,387 $7,569 $2,025 $2,442
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $1,978 $2,143 $1,742 $2,115 $9,764 $10,980 $2,242 $2,468
Nationwide $1,681 $1,723 $1,500 $1,598 $3,902 $5,035 $1,907 $2,071
Progressive $1,623 $1,548 $1,338 $1,397 $4,207 $4,738 $1,948 $2,108
State Farm $1,414 $1,414 $1,241 $1,241 $3,823 $4,846 $1,589 $1,811
Travelers $2,533 $2,585 $2,460 $2,467 $11,242 $17,918 $2,635 $3,117
USAA $1,190 $1,198 $1,098 $1,112 $3,290 $3,478 $1,423 $1,567

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Minimum Car Insurance in Charlotte, IA

Every driver must carry the minimum car insurance in Charlotte, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Charlotte, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Charlotte, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charlotte, IA. Compare credit history car insurance rates in Charlotte from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Charlotte, Iowa

Insurance Company Poor Fair Good
Allstate $3,530 $2,806 $2,529
American Family $4,001 $2,940 $2,468
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,946 $3,688 $2,903
Nationwide $2,944 $2,312 $2,025
Progressive $2,773 $2,261 $2,056
State Farm $3,094 $1,914 $1,510
Travelers $6,321 $5,396 $5,142
USAA $2,351 $1,624 $1,409

Cheapest Charlotte, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Charlotte, IA to rates for a clean record with top companies.

Annual Charlotte, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,502 $3,035 $3,475 $2,808
American Family $2,265 $3,311 $4,306 $2,664
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,610 $4,468 $4,549 $4,089
Nationwide $1,762 $2,523 $3,432 $1,991
Progressive $1,893 $3,134 $2,057 $2,369
State Farm $2,011 $2,334 $2,172 $2,172
Travelers $4,096 $5,461 $7,312 $5,609
USAA $1,367 $1,843 $2,395 $1,572

Cheapest Charlotte, IA Car Insurance for Teen Drivers

Teen car insurance in Charlotte, IA can be expensive. Take a look at rates from the top car insurance companies in Charlotte for teenagers.

Annual Car Insurance Rates for Teen Drivers in Charlotte, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,695 $6,430
American Family $5,387 $7,569
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $9,764 $10,980
Nationwide $3,902 $5,035
Progressive $4,207 $4,738
State Farm $3,823 $4,846
Travelers $11,242 $17,918
USAA $3,290 $3,478

Cheapest Charlotte, IA Car Insurance for Seniors

Take a look at Charlotte, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Charlotte, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,724 $1,752
American Family $1,810 $1,810
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,742 $2,115
Nationwide $1,500 $1,598
Progressive $1,338 $1,397
State Farm $1,241 $1,241
Travelers $2,460 $2,467
USAA $1,098 $1,112

Cheapest Charlotte, IA Car Insurance Rates After a DUI

A DUI in Charlotte, IA increases car insurance rates. Compare Charlotte, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charlotte, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,475
American Family $4,306
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,549
Nationwide $3,432
Progressive $2,057
State Farm $2,172
Travelers $7,312
USAA $2,395

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Cheapest Charlotte, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Charlotte, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Charlotte, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,885 $3,025
American Family $3,100 $3,173
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,179 $4,179
Nationwide $2,427 $2,427
Progressive $2,363 $2,363
State Farm $2,120 $2,224
Travelers $5,620 $5,620
USAA $1,729 $1,860

The Best Cheap Car Insurance Companies in Charlotte, IA

Take a look at a side-by-side comparison of the top car insurance companies in Charlotte, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Charlotte, Iowa

Insurance Company Average Annual Rates
Allstate $2,955
American Family $3,137
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,179
Nationwide $2,427
Progressive $2,363
State Farm $2,172
Travelers $5,620
USAA $1,794

Category Winners: Cheapest Car Insurance in Charlotte, Iowa

Find the cheapest car insurance companies in Charlotte, IA for each category right here.

Best Annual Car Insurance Rates by Company in Charlotte, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Charlotte, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Charlotte car insurance rates. Find the cheapest Charlotte, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charlotte, Iowa

Insurance Company Low Medium High
Allstate $2,861 $2,958 $3,046
American Family $3,158 $3,310 $2,941
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,016 $4,174 $4,347
Nationwide $2,525 $2,418 $2,339
Progressive $2,213 $2,372 $2,505
State Farm $2,069 $2,184 $2,264
Travelers $5,289 $5,705 $5,865
USAA $1,697 $1,801 $1,886

What affects car insurance rates in Charlotte, Iowa?

What factors can have an impact on Charlotte, IA car insurance? There are several reasons why Charlotte car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Charlotte, Iowa.

Commute Time in Charlotte

The more time you spend in your car the higher the risk of an accident. The average commute length in Charlotte, IA is 23.1 minutes according to City-Data.

Traffic in Charlotte

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charlotte, IA traffic data from INRIX ranks Charlotte as the 218th-most congested in the world.

Compare Car Insurance Quotes in Charlotte, IA

Ready to find affordable Charlotte, Iowa car insurance today? Enter your ZIP code for fast, free Charlotte, IA car insurance quotes.

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