Compare Charlotte, MI Car Insurance Rates (2021)

Car insurance in Charlotte, MI averages $691 a month. Charlotte, Michigan car insurance requirements are 20/40/10, 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, MI.

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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: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Charlotte, MI after a DUI are $13,938/year
  • The cheapest car insurance company in Charlotte for teen drivers is USAA
  • Average car insurance rates in Charlotte, MI are $8,296/year

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

You’ll find Charlotte car insurance rates, the cheapest Charlotte, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Charlotte, Michigan car insurance rates to Detroit car insurance rates, Grand Rapids car insurance rates, and Warren car insurance rates.

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

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

How do age, gender, and marital status affect Charlotte, MI car insurance rates? Every Charlotte, Michigan 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, Michigan

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 $14,737 $14,737 $13,654 $13,654 $37,114 $37,114 $15,538 $15,538
Farmers $3,668 $3,668 $3,415 $3,415 $8,478 $8,478 $4,125 $4,125
GEICO $3,467 $3,467 $3,559 $3,559 $10,061 $10,061 $3,320 $3,320
Liberty Mutual $12,336 $12,336 $12,215 $12,215 $28,951 $28,951 $12,336 $12,336
Nationwide $2,757 $2,757 $2,483 $2,483 $6,614 $6,614 $2,986 $2,986
Progressive $2,816 $2,621 $2,495 $2,778 $10,286 $10,970 $3,274 $3,032
State Farm $5,817 $5,817 $5,385 $5,385 $20,067 $20,067 $6,814 $6,814
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,384 $2,263 $2,244 $2,122 $5,798 $5,520 $2,902 $2,789

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Minimum Car Insurance in Charlotte, MI

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

Minimum Required Car Insurance Coverage in Charlotte, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Charlotte, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charlotte, MI. 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, Michigan

Insurance Company Poor Fair Good
Allstate $30,627 $17,011 $13,144
Farmers $6,424 $4,330 $4,010
GEICO $6,553 $4,824 $3,929
Liberty Mutual $26,017 $15,039 $8,322
Nationwide $4,615 $3,505 $3,010
Progressive $5,511 $4,648 $4,194
State Farm $15,415 $7,821 $5,326
Travelers $6,813 $6,608 $6,525
USAA $4,851 $2,781 $2,127

Cheapest Charlotte, MI 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, MI to rates for a clean record with top companies.

Annual Charlotte, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,910 $13,220 $44,078 $13,836
Farmers $4,140 $5,274 $5,201 $5,071
GEICO $1,775 $3,804 $11,523 $3,306
Liberty Mutual $11,447 $13,871 $25,819 $14,701
Nationwide $3,202 $4,205 $3,850 $3,583
Progressive $4,064 $5,323 $4,787 $4,961
State Farm $6,119 $7,302 $15,585 $9,077
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,622 $3,264 $4,269 $2,856

Cheapest Charlotte, MI Car Insurance for Teen Drivers

Teen car insurance in Charlotte, MI 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, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,114 $37,114
Farmers $8,478 $8,478
GEICO $10,061 $10,061
Liberty Mutual $28,951 $28,951
Nationwide $6,614 $6,614
Progressive $10,286 $10,970
State Farm $20,067 $20,067
Travelers $13,395 $13,395
USAA $5,798 $5,520

Cheapest Charlotte, MI Car Insurance for Seniors

Take a look at Charlotte, MI 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, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,654 $13,654
Farmers $3,415 $3,415
GEICO $3,559 $3,559
Liberty Mutual $12,215 $12,215
Nationwide $2,483 $2,483
Progressive $2,495 $2,778
State Farm $5,385 $5,385
Travelers $3,858 $3,858
USAA $2,244 $2,122

Cheapest Charlotte, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Charlotte, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,078
Farmers $5,201
GEICO $11,523
Liberty Mutual $25,819
Nationwide $3,850
Progressive $4,787
State Farm $15,585
Travelers $10,331
USAA $4,269

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Cheapest Charlotte, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Charlotte, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,261 $20,261
Farmers $4,921 $4,921
GEICO $4,988 $5,215
Liberty Mutual $15,895 $17,024
Nationwide $3,710 $3,710
Progressive $4,784 $4,784
State Farm $9,265 $9,777
Travelers $6,611 $6,686
USAA $3,216 $3,290

The Best Cheap Car Insurance Companies in Charlotte, MI

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

Average Annual Car Insurance Rates by Company in Charlotte, Michigan

Insurance Company Average Annual Rates
Allstate $20,261
Farmers $4,921
GEICO $5,102
Liberty Mutual $16,459
Nationwide $3,710
Progressive $4,784
State Farm $9,521
Travelers $6,649
USAA $3,253

Category Winners: Cheapest Car Insurance in Charlotte, Michigan

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

Best Annual Car Insurance Rates by Company in Charlotte, Michigan

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

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Cheapest Charlotte, MI 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, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Charlotte, Michigan

Insurance Company Low Medium High
Allstate $19,608 $20,319 $20,856
Farmers $4,767 $4,906 $5,091
GEICO $4,755 $5,055 $5,496
Liberty Mutual $16,093 $16,425 $16,860
Nationwide $3,864 $3,652 $3,614
Progressive $4,639 $4,790 $4,923
State Farm $9,049 $9,579 $9,935
Travelers $6,575 $6,656 $6,715
USAA $3,156 $3,260 $3,342

What affects car insurance rates in Charlotte, Michigan?

What factors can have an impact on Charlotte, MI 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, Michigan.

Car Theft in Charlotte

High levels of vehicle theft can make car insurance more expensive. Charlotte, MI car theft statistics from the FBI indicate 8 vehicle thefts a year.

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, MI is 20.7 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, MI traffic data from INRIX ranks Charlotte as the 218th-most congested in the world.

Compare Car Insurance Quotes in Charlotte, MI

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

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