Compare Charlotte, TX Car Insurance Rates (2021)

Car insurance in Charlotte, TX averages $312 a month. Charlotte, Texas 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, TX.

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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

  • The cheapest car insurance company in Charlotte for teen drivers is USAA
  • The cheapest car insurance company in Charlotte is USAA
  • Average car insurance rates in Charlotte, TX are $3,745/year

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

You’ll find Charlotte car insurance rates, the cheapest Charlotte, TX car insurance companies, and information on Texas car insurance laws. You can also compare Charlotte, Texas car insurance rates to Houston car insurance rates, Corpus Christi car insurance rates, and Dallas car insurance rates.

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

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

How do age, gender, and marital status affect Charlotte, TX car insurance rates? Every Charlotte, Texas 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, Texas

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 $3,327 $3,365 $3,285 $3,285 $8,767 $10,617 $4,132 $4,323
American Family $2,599 $2,885 $2,408 $2,751 $6,723 $8,810 $3,700 $4,214
GEICO $2,263 $2,439 $2,185 $2,473 $4,870 $5,059 $2,442 $2,433
Nationwide $2,272 $2,317 $2,005 $2,130 $6,322 $8,150 $2,657 $2,881
Progressive $2,748 $2,584 $2,457 $2,498 $11,803 $13,155 $3,235 $3,239
State Farm $1,852 $1,852 $1,643 $1,643 $4,352 $5,531 $2,007 $2,071
USAA $1,522 $1,538 $1,452 $1,450 $4,195 $4,587 $2,031 $2,192

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Minimum Car Insurance in Charlotte, TX

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

Minimum Required Car Insurance Coverage in Charlotte, Texas

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, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Charlotte, TX. 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, Texas

Insurance Company Poor Fair Good
Allstate $6,527 $4,788 $4,098
American Family $5,876 $3,686 $3,222
GEICO $4,653 $2,641 $1,767
Nationwide $4,313 $3,455 $3,008
Progressive $5,856 $5,078 $4,711
State Farm $3,709 $2,308 $1,839
USAA $3,488 $2,009 $1,615

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

Annual Charlotte, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,008 $6,132 $6,403 $4,008
American Family $3,891 $4,933 $4,331 $3,891
GEICO $2,566 $3,374 $2,836 $3,306
Nationwide $3,111 $3,111 $4,627 $3,519
Progressive $4,537 $5,916 $5,303 $5,104
State Farm $2,335 $2,667 $3,137 $2,335
USAA $1,773 $2,606 $3,069 $2,035

Cheapest Charlotte, TX Car Insurance for Teen Drivers

Teen car insurance in Charlotte, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,767 $10,617
American Family $6,723 $8,810
GEICO $4,870 $5,059
Nationwide $6,322 $8,150
Progressive $11,803 $13,155
State Farm $4,352 $5,531
USAA $4,195 $4,587

Cheapest Charlotte, TX Car Insurance for Seniors

Take a look at Charlotte, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,285 $3,285
American Family $2,408 $2,751
GEICO $2,185 $2,473
Nationwide $2,005 $2,130
Progressive $2,457 $2,498
State Farm $1,643 $1,643
USAA $1,452 $1,450

Cheapest Charlotte, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Charlotte, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,403
American Family $4,331
GEICO $2,836
Nationwide $4,627
Progressive $5,303
State Farm $3,137
USAA $3,069

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Cheapest Charlotte, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Charlotte, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,017 $5,258
American Family $4,261 $4,261
GEICO $2,962 $3,078
Nationwide $3,592 $3,592
Progressive $5,215 $5,215
State Farm $2,619 $2,619
USAA $2,341 $2,401

The Best Cheap Car Insurance Companies in Charlotte, TX

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

Average Annual Car Insurance Rates by Company in Charlotte, Texas

Insurance Company Average Annual Rates
Allstate $5,138
American Family $4,261
GEICO $3,020
Nationwide $3,592
Progressive $5,215
State Farm $2,619
USAA $2,371

Category Winners: Cheapest Car Insurance in Charlotte, Texas

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

Best Annual Car Insurance Rates by Company in Charlotte, Texas

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

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

Annual Car Insurance Rates by Coverage Level in Charlotte, Texas

Insurance Company Low Medium High
Allstate $5,044 $5,103 $5,266
American Family $3,974 $4,109 $4,700
GEICO $2,854 $2,977 $3,231
Nationwide $3,875 $3,436 $3,465
Progressive $4,866 $5,185 $5,594
State Farm $2,487 $2,610 $2,759
USAA $2,292 $2,361 $2,459

What affects car insurance rates in Charlotte, Texas?

What factors can have an impact on Charlotte, TX 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, Texas.

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, TX is 32.2 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, TX traffic data from INRIX ranks Charlotte as the 218th-most congested in the world.

Compare Car Insurance Quotes in Charlotte, TX

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

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