Compare Charlotte, NC Car Insurance Rates (2021)

Car insurance in Charlotte, NC averages $331 a month. Charlotte, North Carolina car insurance requirements are 30/60/25, 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, NC.

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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 ZIP code in Charlotte is 28269
  • Average car insurance rates in Charlotte, NC after a DUI are $7,491/year
  • Average car insurance rates in Charlotte, NC are $3,975/year

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

You’ll find Charlotte car insurance rates, the cheapest Charlotte, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Charlotte, North Carolina car insurance rates to Concord car insurance rates, Cary car insurance rates, and High Point car insurance rates.

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

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

How do age, gender, and marital status affect Charlotte, NC car insurance rates? Every Charlotte, North Carolina 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, North Carolina

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

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Minimum Car Insurance in Charlotte, NC

Every driver must carry the minimum car insurance in Charlotte, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car Insurance Coverage 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

Cheapest Charlotte, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charlotte, NC. 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, North Carolina

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

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

Annual Charlotte, North Carolina Car Insurance Rates by Driving Record

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

Cheapest Charlotte, NC Car Insurance for Teen Drivers

Teen car insurance in Charlotte, NC 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, 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

Cheapest Charlotte, NC Car Insurance for Seniors

Take a look at Charlotte, NC 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, North Carolina

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

Cheapest Charlotte, NC Car Insurance Rates After a DUI

A DUI in Charlotte, NC increases car insurance rates. Compare Charlotte, North Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Charlotte, North Carolina

Insurance Company Annual Car 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

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Cheapest Charlotte, NC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Charlotte, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Charlotte, NC Car Insurance Rates by ZIP Code

Charlotte car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Charlotte, NC.

Annual Car Insurance Rates by ZIP Code in Charlotte, North Carolina

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

The Best Cheap Car Insurance Companies in Charlotte, NC

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

Average Annual Car Insurance Rates by Company in Charlotte, North Carolina

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

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Category Winners: Cheapest Car Insurance in Charlotte, North Carolina

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

Best Annual Car Insurance Rates by Company in Charlotte, North Carolina

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

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

Annual Car Insurance Rates by Coverage Level in Charlotte, North Carolina

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

What affects car insurance rates in Charlotte, North Carolina?

What factors can have an impact on Charlotte, NC 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, North Carolina.

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, NC is 25.9 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, NC traffic data from INRIX ranks Charlotte as the 218th-most congested in the world.

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Compare Car Insurance Quotes in Charlotte, NC

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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