Cheap Car Insurance in Charlotte, NC

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Are you looking for auto insurance in Charlotte? From, you could get the most affordable insurance rates where you live. To receive free car insurance rates from the top rated providers immediately, input your local zip code within the quote box here.

Charlotte is an important city for both North Carolina and the South as a whole. Its major industries are centered around defense and finance, which are both flourishing despite the current economic conditions in the rest of the country. Charlotte also boasts an excellent transportation system.

  • Fun fact: look at all these people! Charlotte is #20 on the list of "Top 100 biggest cities".

Auto Insurance Coverage Requirements in North Carolina

Driving legally in Charlotte requires:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury 30,000/60,000 100,000/300,000
Medical Payments Not required 2,000
Collision Not required 250 deductible
Comprehensive Not required 0 deductible

Remember: North Carolina state minimum coverage only protects you if the accident was deemed your fault, or if another uninsured motorist causes you bodily harm. Any other incident, and your insurance provider won't pay out any claims. Likewise, if you purchased a newer vehicle and you are still financing it, you lender might require you to purchase additional insurance coverage, whether you like it or not.

Your typical North Carolina motorist might end up paying around $88 in monthly premiums for their average automotive insurance policy. However, Charlotte motorists might pay as little as $31/mo*. To learn how you can substantially lower your rate, keep reading.

Average Monthly Auto Insurance Premiums Legend: Charlotte Allied State Farm Nationwide Allstate 5 10 15 20 25 30 35 $25 $25 $35 $38


Between Allied and State Farm, it's hard to find a more competitive rate in the Charlotte area. But that doesn't necessarily mean they're the best deal. You'll also want to look at customer service ratings, and their claims service, before settling on or switching providers.

Auto insurance providers evaluate various variables when determining insurance rates, especially gender, zip code, occupation, years of driving experience, and multiple cars and drivers. On top of that, premiums might vary from business to business. To make sure you are still receiving the lowest-cost price, compare cheap Charlotte auto insurance rates on the web.

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Major Car Insurance Factors in Charlotte

The moment your automobile insurance provider sits down to come up with your plan, they take lots of specifics into consideration. Some, like credit history or perhaps your particular address, are usually very unlikely to vary. A few alternative aspects are:

Your Zip Code

Your car insurance rates may vary depending on the place you live. In general, populous areas possess higher car insurance rates as the extra number of car owners on the highway increases the probability of an accident! The population of Charlotte is 792,862 and the usual family earnings are $51,034.

Auto Insurance by Zip Code Legend: Charlotte Durham Greensboro Raleigh Winston-Salem Allied State Farm Nationwide Allstate 5 10 15 20 25 30 35 $25 $22 $24 $25 $22 $25 $18 $23 $21 $21 $35 $29 $34 $34 $30 $38 $28 $36 $32 $30


Automotive Accidents

Charlotte has nearly one million people living within its borders, but the rate of automotive accidents (especially the serious ones) might still be a little high. Talk to your agent about Safe Driver discounts that you might qualify for to make sure that you aren't getting penalized for other driver's accidents.

Fatal Accidents in Charlotte, NC Legend: Charlotte Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 15 30 45 60 75 90 105 120 135 150 57 96 24 65 157 13


Auto Thefts in Charlotte

Vehicle theft can be a serious problem, particularly in densely populated locations. If your locale and/or vehicle model put you at a greater risk for theft, you could have problems finding low-cost car insurance. The full number of stolen automobiles in 2013 was 1,856 for Charlotte. To protect your vehicle from theft, make sure you have some sort of Comprehensive coverage on your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allied State Farm Nationwide Allstate 10 20 30 40 50 60 70 80 90 100 110 120 $25 $96 $25 $124 $35 $106 $38 $124


Your Credit Score

Most drivers don't realize how important their credit score is when determining their monthly rates. In this chart, you can clearly see that motorists with poor credit are being charged more money each month than those with excellent credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allied State Farm Nationwide Allstate 5 10 15 20 25 30 35 40 $23 $30 $21 $41 $35 $35 $37 $41


Your Age

Unfortunately, young and inexperienced teenage drivers cause some of the most frequent problems on the road. Automobile insurance companies charge them significantly higher rates in order to offset the risk. But don't lose hope. If you make good grades and take educational driving courses, you could qualify for several money-saving discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allied State Farm Nationwide Allstate 10 20 30 40 50 60 70 80 90 100 $25 $77 $25 $75 $35 $45 $38 $107


Your Driving Record

Do you have several violations listed on your driving record? Then you might want to shop around for companies which offer "Accident Forgiveness" discounts. Such programs can lower your monthly rate, or help save you from losing your coverage altogether for violations such as DUIs or reckless driving.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allied State Farm Nationwide Allstate 15 30 45 60 75 90 105 120 135 150 $25 $34 $94 $36 $25 $38 $101 $38 $35 $49 $138 $49 $38 $57 $163 $57


Your Vehicle

Thinking about insuring a luxury vehicle? Well, keep in mind that it will cost you more in premiums each month than your typical, average car. Not only are these vehicles more expensive to repair/replace, but you will require much more insurance coverage - which will yield higher monthly rates.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allied State Farm Nationwide Allstate 15 30 45 60 75 90 105 120 135 $25 $105 $25 $135 $35 $115 $38 $135


Minor Car Insurance Factors in Charlotte

While these factors below won't necessarily make as big of an impact, you can take a look at them for potential savings:

Your Marital Status

Would you like to know the secret to saving money on insurance as a married couple? Bundle, bundle, bundle. Bundling your automotive insurance with your spouse will net you some serious discounts. You can maximize the savings further if you have a homeowner's or renter's insurance policy to bundle, too.

Your Gender

Guess what? Gender isn't as significant of a factor as it used to be when determining monthly premiums. Most companies these days don't even charge different rates for males vs. females, all other factors being equal. And those who do rarely charge more than 1-2%.

Your Driving Distance to Work

It may take a little longer to get around in Charlotte because of its high population density; typical commutes can last between 16-18 minutes, with longer commute times of 28-40 minutes also possible. More than 75% of drivers will get to work using their own automobile, while around 14% will most likely carpool.

Believe it or not, the difference between someone who drives several thousand miles a year for work and a student who lives close to campus rarely differs more than a few percentage points in monthly premiums. The real cost comes from registering your car, truck, or SUV as a business vehicle. Those can cost 10-12% more to insure.

Your Coverage and Deductibles

Want more than just the bare minimum coverage? You might be able to add more to your current policy if you raise your deductible. While this will make your out-of-pocket expenses much higher should you need to file a claim, you can use the cheaper monthly payments to save for a rainy day.

Education in Charlotte, NC

More than a quarter of all Charlotte residents (26%) have a bachelor’s degree. And considering how most major auto insurance providers are offering lower rates for motorists with advanced degrees, many drivers can cash in on the savings - even more than if they get job- or income-based discounts. An additional 20% of locals have successfully attained their high school diploma.

There are several excellent opportunities for advancing your education if you live in Charlotte. The University of North Carolina at Charlotte is one of the largest schools in the state with more than 20,000 students enrolled each term. There are also smaller schools for students who want a more personal touch, such as Queens University of Charlotte or Davidson College.

Defining your own financial risk can be quite challenging or not possible for the standard insurance shopper. Insurance providers have got an advantage over buyers due to their data and experiential understanding. Discover the things that insurance companies don’t want anyone to discover.

You can easily analyze YOUR car insurance risks by just putting in your Age, Zip Code, and Gender into the calculator below.

Uncover more about Charlotte here!

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


North Carolina Department of Insurance

North Carolina Office of the Commissioner of Banks

Department of Highway Safety and Motor Vehicles

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