Best Cheap Auto Insurance in Charlotte, MI (2021)

The average Charlotte, MI auto insurance rates are $691 per month. The minimum auto insurance in Charlotte is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Charlotte, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Charlotte is 20.7 minutes
  • The most expensive auto insurance company in Charlotte for teen drivers is Allstate
  • Average auto insurance rates in Charlotte, MI for senior drivers are $5,488 per year

Charlotte, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Charlotte can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Charlotte, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Charlotte to other Michigan cities, including Lansing auto insurance rates, Warren auto insurance rates, and Detroit auto insurance rates to see how Charlotte, Michigan auto insurance rates stack up.

Before you buy Charlotte, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Charlotte, Michigan auto insurance quotes.

Minimum Auto Insurance in Charlotte, Michigan

Charlotte, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Charlotte, Michigan.

Minimum Required Auto 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

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Cheap Charlotte, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Charlotte, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Charlotte, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Charlotte, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Charlotte, Michigan.

Annual Auto 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

Cheap Charlotte, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Charlotte, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Charlotte, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Charlotte, Michigan compared to the annual auto insurance rates with a clean record in Charlotte, Michigan.

Annual Charlotte, Michigan Auto 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

Cheap Charlotte, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Charlotte, Michigan is not easy. Compare the annual rates for DUI auto insurance in Charlotte, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Charlotte, Michigan

Insurance Company Annual Auto 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

Cheap Charlotte, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Charlotte, Michigan annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Charlotte, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Charlotte, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Charlotte, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Charlotte, Michigan

ZIP Code Average Annual Rates
48813 $5,854

Cheap Charlotte, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Charlotte, Michigan auto insurance. Find the cheapest annual Charlotte, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Charlotte, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Charlotte, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Charlotte, Michigan? Check out the comparison of annual Charlotte, Michigan auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Charlotte, Michigan

Compare the cheapest auto insurance companies in Charlotte, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Charlotte, Michigan Auto Insurance Companies

What auto insurance companies in Charlotte, Michigan are the cheapest? Compare the top Charlotte, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Charlotte, Michigan?

There are a lot of reasons why auto insurance rates in Charlotte, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Charlotte, Michigan. Many local factors may affect your Charlotte auto insurance rates.

Charlotte Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Charlotte, Michigan auto theft statistics, there have been 8 auto thefts in the city.

Charlotte Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Charlotte, Michigan commute length is 20.7 minutes according to City-Data.

Charlotte Traffic

How does Charlotte, Michigan rank for traffic? According to Inrix Charlotte, Michigan is the 218th most congested worldwide.

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Compare Charlotte, Michigan Auto Insurance Quotes

Before you buy Charlotte, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Charlotte, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

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