Best Cheap Auto Insurance in Charlotte, NC (2021)

The average Charlotte, NC auto insurance rates are $331 per month. The minimum auto insurance in Charlotte is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Charlotte, North Carolina, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Charlotte for teen drivers is Allstate
  • The average commute length in Charlotte is 25.9 minutes
  • The minimum auto insurance required in Charlotte, North Carolina is 30/60/25

Charlotte, North Carolina auto insurance requirements are 30/60/25 according to North Carolina 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, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Charlotte to other North Carolina cities, including Greensboro auto insurance rates, Fayetteville auto insurance rates, and Raleigh auto insurance rates to see how Charlotte, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Charlotte, North Carolina

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

Minimum Required Auto 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

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Cheap Charlotte, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Charlotte, North Carolina 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, 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

Cheap Charlotte, North Carolina Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Charlotte, North Carolina Auto Insurance for Seniors

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

Annual Auto 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

Cheap Charlotte, North Carolina 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, North Carolina compared to the annual auto insurance rates with a clean record in Charlotte, North Carolina.

Annual Charlotte, North Carolina Auto 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

Cheap Charlotte, North Carolina Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto 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

Cheap Charlotte, North Carolina Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Charlotte, North Carolina Auto Insurance Rates By ZIP Code

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

Annual Auto 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

Cheap Charlotte, North Carolina Auto Insurance Rates By Commute

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

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

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

Cheap Charlotte, North Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Charlotte, North Carolina

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

Best Annual Auto 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

The Cheapest Charlotte, North Carolina Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Charlotte, North Carolina?

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

Charlotte Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Charlotte, North Carolina commute length is 25.9 minutes according to City-Data.

Charlotte Traffic

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

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Compare Charlotte, North Carolina Auto Insurance Quotes

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