Compare Charlotte, TN Car Insurance Rates (2021)

Car insurance in Charlotte, TN averages $304 a month. Charlotte, Tennessee car insurance requirements are 25/50/15, 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, TN.

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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

  • Average car insurance rates in Charlotte, TN after a DUI are $4,289/year
  • The cheapest car insurance company in Charlotte for teen drivers is State Farm
  • Average car insurance rates in Charlotte, TN are $3,649/year

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

You’ll find Charlotte car insurance rates, the cheapest Charlotte, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Charlotte, Tennessee car insurance rates to Johnson City car insurance rates, Knoxville car insurance rates, and Murfreesboro car insurance rates.

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

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

How do age, gender, and marital status affect Charlotte, TN car insurance rates? Every Charlotte, Tennessee 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, Tennessee

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 $2,721 $2,611 $2,448 $2,541 $10,240 $11,138 $2,899 $3,001
Farmers $1,785 $1,816 $1,600 $1,755 $7,299 $7,753 $2,415 $2,565
GEICO $2,296 $2,316 $2,113 $2,113 $7,033 $7,154 $2,336 $2,411
Liberty Mutual $3,493 $129 $2,874 $3,208 $14,350 $15,939 $3,746 $3,992
Nationwide $2,179 $2,195 $1,954 $1,983 $6,026 $7,761 $2,507 $2,717
Progressive $1,882 $1,766 $1,537 $1,607 $8,665 $9,751 $2,269 $2,479
State Farm $1,572 $1,572 $1,412 $1,412 $4,726 $5,916 $1,774 $2,062
Travelers $1,794 $1,889 $1,625 $1,729 $4,980 $6,147 $1,913 $2,014
USAA $1,617 $1,647 $1,454 $1,455 $5,711 $6,556 $2,105 $2,257

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Minimum Car Insurance in Charlotte, TN

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

Minimum Required Car Insurance Coverage in Charlotte, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Charlotte, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charlotte, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $5,995 $4,593 $3,511
Farmers $4,010 $3,140 $2,970
GEICO $3,938 $3,374 $3,103
Liberty Mutual $8,554 $5,244 $4,100
Nationwide $4,094 $3,259 $2,892
Progressive $4,196 $3,635 $3,403
State Farm $3,711 $2,227 $1,730
Travelers $3,518 $2,755 $2,011
USAA $4,150 $2,414 $1,986

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

Annual Charlotte, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,933 $4,690 $5,673 $4,502
Farmers $2,881 $3,567 $3,646 $3,399
GEICO $2,524 $3,381 $5,458 $2,524
Liberty Mutual $4,834 $6,976 $6,488 $5,566
Nationwide $2,956 $2,956 $4,435 $3,313
Progressive $3,296 $4,292 $3,510 $3,880
State Farm $2,334 $2,777 $2,556 $2,556
Travelers $2,241 $2,876 $3,172 $2,758
USAA $2,074 $3,098 $3,658 $2,570

Cheapest Charlotte, TN Car Insurance for Teen Drivers

Teen car insurance in Charlotte, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,240 $11,138
Farmers $7,299 $7,753
GEICO $7,033 $7,154
Liberty Mutual $14,350 $15,939
Nationwide $6,026 $7,761
Progressive $8,665 $9,751
State Farm $4,726 $5,916
Travelers $4,980 $6,147
USAA $5,711 $6,556

Cheapest Charlotte, TN Car Insurance for Seniors

Take a look at Charlotte, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,448 $2,541
Farmers $1,600 $1,755
GEICO $2,113 $2,113
Liberty Mutual $2,874 $3,208
Nationwide $1,954 $1,983
Progressive $1,537 $1,607
State Farm $1,412 $1,412
Travelers $1,625 $1,729
USAA $1,454 $1,455

Cheapest Charlotte, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Charlotte, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,673
Farmers $3,646
GEICO $5,458
Liberty Mutual $6,488
Nationwide $4,435
Progressive $3,510
State Farm $2,556
Travelers $3,172
USAA $3,658

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Cheapest Charlotte, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Charlotte, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,700 $4,700
Farmers $3,373 $3,373
GEICO $3,450 $3,493
Liberty Mutual $5,966 $5,966
Nationwide $3,415 $3,415
Progressive $3,745 $3,745
State Farm $2,496 $2,616
Travelers $2,653 $2,870
USAA $2,770 $2,930

The Best Cheap Car Insurance Companies in Charlotte, TN

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

Average Annual Car Insurance Rates by Company in Charlotte, Tennessee

Insurance Company Average Annual Rates
Allstate $4,700
Farmers $3,373
GEICO $3,472
Liberty Mutual $5,966
Nationwide $3,415
Progressive $3,745
State Farm $2,556
Travelers $2,761
USAA $2,850

Category Winners: Cheapest Car Insurance in Charlotte, Tennessee

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

Best Annual Car Insurance Rates by Company in Charlotte, Tennessee

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

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

Annual Car Insurance Rates by Coverage Level in Charlotte, Tennessee

Insurance Company Low Medium High
Allstate $4,531 $4,689 $4,880
Farmers $3,189 $3,358 $3,573
GEICO $3,318 $3,465 $3,632
Liberty Mutual $5,709 $5,964 $6,225
Nationwide $3,438 $3,344 $3,464
Progressive $3,490 $3,747 $3,997
State Farm $2,420 $2,567 $2,681
Travelers $2,605 $2,759 $2,920
USAA $2,772 $2,842 $2,937

What affects car insurance rates in Charlotte, Tennessee?

What factors can have an impact on Charlotte, TN 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, Tennessee.

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, TN is 33.7 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, TN traffic data from INRIX ranks Charlotte as the 218th-most congested in the world.

Compare Car Insurance Quotes in Charlotte, TN

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

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