Cheapest Auto Insurance in Charlotte, North Carolina (2024)
Midvale Home & Auto offers the cheapest car insurance in Charlotte, with minimum-coverage policies as low as $44 per month.
Excellent
)
Written byEmily Guy Birken
)
Plutus Award winner
12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byDanny Smith
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated October 29, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The overall cost of car insurance in Charlotte is $103 per month — higher than the statewide monthly average of $77.
Charlotte is North Carolina’s biggest city by population, having grown by more than 23,000 new residents since 2020, according to U.S. Census Bureau data. Its population size and rapid commercial and residential growth likely contribute to its higher car insurance rates.
Charlotte also had the most accidents in the state in 2022, with 118,588 recorded accidents, according to North Carolina Department of Transportation data. Of those, 351 were fatal.
But drivers in the Queen City can still find affordable car insurance, especially if they have clean driving records, good credit, and compare car insurance rates regularly. Here’s what you need to know to navigate the Charlotte car insurance market.
Quick Facts
Liability coverage in Charlotte costs an average of $74 per month, and full coverage costs $133 per month.
Midvale Home & Auto, Erie, and Nationwide have the cheapest car insurance in Charlotte.
Charlotte ranks third in the state for frequency of crashes between Jan. 1, 2020, and Dec. 31, 2022, NCDOT data shows.
3 of the cheapest car insurance companies in Charlotte
Finding the best car insurance companies in Charlotte depends on your coverage needs and driving history. You can find the right auto insurance coverage for your needs by comparing quotes from multiple insurers.
Below are some of the best auto insurance options in Charlotte.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Travelers | 9.0 | $80 | $52 | Coverage options |
| Erie | 9.0 | $63 | $41 | Customer satisfaction |
| Direct Auto | 7.3 | $103 | $53 | High-risk drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for coverage options: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $68/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
4.7
Best choiceBased on 745 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (381)
Vicki
October 27, 2024
Verified Review
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy
October 23, 2024
Verified Review
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie
October 21, 2024
Verified Review
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers was founded in 1864 and issued its first auto insurance policy in 1897, making it the first auto insurer in the United States. The company is one of the largest insurers in the country, offering affordable rates and robust coverage options.
Pros
Wide array of optional coverages, including gap insurance, roadside assistance, and rental coverage
Many available discounts, including multi-policy, multi-car, continuous insurance, good driver, and more
Cons
Below-average customer satisfaction score, according to the J.D. Power 2023 U.S. Auto Insurance Study
Rideshare insurance not available
Best insurer for customer satisfaction: Erie
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $82/mo |
4.1
Best choiceBased on 231 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (119)
Satina
October 28, 2024
Verified Review
Erie Insurance Unreliable
The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.
Lana
October 25, 2024
Verified Review
Expensive but Efficient Company
Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.
Shannon
October 19, 2024
Verified Review
Could be Better
I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nearly 100 years old, Erie is a reliable and affordable super-regional auto insurer. J.D. Power’s 2023 U.S. Auto Insurance Study ranked Erie among the best for customer satisfaction in the Southeast region.
Pros
Erie Rate Lock feature allows for consistent premium costs
Accident forgiveness and diminishing deductibles available
Cons
Mixed reviews and a 2.7 star rating on Trustpilot
No usage-based insurance premiums
Best insurer for high-risk drivers: Direct Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $69/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (269)
Charles
October 29, 2024
Verified Review
Desire for Better Discounts for Good Drivers
If you reside in the State of Michigan or any no-fault state, be prepared to pay a significant amount for insurance.
Marjorie
October 29, 2024
Verified Review
Used to be great, but now not so good.
They keep messing up our premiums. They went from $187 to $525. We called four days in a row trying to find out why, and someone was supposed to call us back but never did. We still don't have an explanation.
Janell
October 29, 2024
Verified Review
Insurance Rates
They are too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Drivers in the Southeast who other insurers have turned down can access non-standard policies from Direct Auto. Since 1991, this Nashville-based insurer has offered affordable policies to drivers with adverse driving histories.
Pros
Offers affordable insurance to higher-risk drivers
Flexible payment options, including choice of payment date and schedule and choice of paying online, in person, or on the phone
Cons
No homeowners insurance, a common product to bundle with auto insurance
Much higher than average number of complaints in the National Association of Insurance Commissioners complaint index
How to get the cheapest car insurance in Charlotte
Getting the cheapest car insurance in Charlotte will depend on your specific situation. Insurers determine your premium costs based on a number of factors, including your driving record, the age, make, and model of your car, your annual mileage, and the level of coverage you choose.
You have several ways to reduce your auto insurance costs to make sure you’re getting the best coverage at the right price. Here’s how:
Drive safely. The most effective way to keep your car insurance costs low is to maintain a clean driving record.
Compare quotes. Each insurance company uses its own calculations to determine your rates. Comparing quotes from multiple companies can help you find the best price.
Take advantage of discounts. Discounts are a common way for insurance companies to entice and keep their customers. You may be able to get a discount by bundling your auto and home insurance, paying in advance, driving fewer miles than average, or driving a car with anti-theft devices.
Raise your deductible. Your insurance company will lower your rates if you increase your collision and comprehensive deductibles. If you feel confident about your ability to pay a higher deductible, this can be an easy way to reduce your insurance costs.
Find Cheap Car Insurance in Charlotte
Liability rates start at $44 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Charlotte: Midvale Home & Auto
On average, Charlotte drivers pay $74 per month for liability-only policies. Liability-only car insurance pays for the damage to another person’s property or their medical costs if you cause an accident. Liability-only insurance won’t pay for your own vehicle damage or medical care, however.[1]
Cost-conscious drivers might choose liability-only coverage since it has lower premiums. But at-fault drivers who only have liability insurance must pay out of pocket for their own repairs and medical bills. Charlotte drivers may want to consider liability-only coverage from the following insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Midvale Home & Auto | $44 |
| Erie | $53 |
| Nationwide | $53 |
| GEICO | $61 |
| Liberty Mutual | $65 |
| Travelers | $68 |
| Direct Auto | $69 |
| Safeco | $69 |
| Dairyland | $70 |
| Allstate | $73 |
| Progressive | $74 |
| National General | $83 |
| State Farm | $87 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Charlotte: Erie
Many drivers may feel more comfortable with full-coverage car insurance than a liability-only policy. Full-coverage insurance generally includes collision and comprehensive coverage. In Charlotte, the average monthly cost of full-coverage car insurance is $133, according to Insurify data.
Collision coverage will pay to repair or replace your car if you cause an accident, while comprehensive coverage will pay when your vehicle is damaged by something other than an accident. For example, if a tree falls on your car, comprehensive coverage will pay to replace it.
Charlotte-area drivers may want to consider one of these full-coverage car insurance companies:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Erie | $82 |
| Nationwide | $82 |
| Midvale Home & Auto | $90 |
| GEICO | $94 |
| Travelers | $103 |
| Allstate | $112 |
| Progressive | $115 |
| State Farm | $134 |
| Direct Auto | $140 |
| Safeco | $149 |
| National General | $151 |
| Liberty Mutual | $239 |
| Dairyland | $334 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Charlotte, North Carolina
Recent Charlotte, North Carolina car insurance prices for Nissan, GMC, Chevrolet , and more.
*Quotes generated for Insurify users in and around Charlotte, North Carolina within the last 10 days. Last updated on October 29, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Charlotte, North Carolina within the last 10 days. Last updated on October 29, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
North Carolina is an at-fault state, which means insurers determine who’s at fault in causing an accident. In other words, if you cause an accident, your insurance will pay to repair property damage and cover medical costs for the other party.
North Carolina also follows the pure contributory negligence rule, which specifies that a person even 1% at fault in contributing to an accident can’t sue for damages.
Finally, all drivers in the Tar Heel State also must carry uninsured/underinsured motorist coverage, which pays out if a driver without insurance causes an accident that damages your car or causes an injury.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person and $60,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist coverage | Equal to a policy’s bodily injury liability limits but no higher than $1 million |
Though the above liability levels are the minimum requirements to drive in North Carolina legally, many drivers increase their auto insurance coverage for greater financial protection from at-fault accidents. That may mean purchasing higher liability limits or buying additional coverages, such as:
Collision coverage
Collision insurance will pay to repair or replace your vehicle if you cause an accident with another vehicle. It can also pay if you hit a stationary object like a tree, fence or light pole, and for pothole damage or rollover accidents. Since North Carolina is an at-fault state that follows the pure contributory negligence rule, this type of coverage can be very important for drivers’ financial protection.
Comprehensive coverage
Comprehensive insurance pays to repair or replace your car if it’s damaged because of something other than an accident, such as theft, vandalism, fire, severe weather, cracked windshields, or hitting an animal.
Cheapest car insurance for drivers with an incident
Incidents on your driving record can make it tougher to find cheap car insurance in Charlotte, since any adverse incident in your driving history — such as speeding tickets, at-fault accidents, or DUIs — will increase your rates. Once you have a single incident on your record, insurers are more likely to see you as a potential risk. They'll likely raise your rates or even decide to not renew your existing policy.
This doesn’t mean drivers with a spotty history are totally out of luck. Some insurers specialize in higher-risk drivers, and many insurance companies will continue to cover you even after an incident. Here’s how you can find affordable insurance in Charlotte after a driving incident.
Shop for Cheap Car Insurance in Charlotte
Monthly rates start at $44 for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket
Speeding may seem like a harmless way to shave a few minutes off your commute, but it’s a dangerous habit that can easily turn lethal. The National Highway Traffic Safety Administration reports that 32% of traffic fatalities in North Carolina in 2020 were speeding-related.
This is why both law enforcement and insurance companies take speeding seriously. Receiving a speeding ticket indicates that you need to slow down, and your insurance company will likely raise your rates for several years after you receive just one citation for speeding.
In Charlotte, a speeding ticket increases the average cost of car insurance to $207 per month for full coverage and $115 for liability only. If you’ve received a speeding ticket, the following insurers offer the cheapest car insurance for Charlotte drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Erie | $53 | $74 |
| Nationwide | $53 | $73 |
| GEICO | $61 | $83 |
| Liberty Mutual | $65 | $96 |
| Travelers | $68 | $94 |
| Direct Auto | $69 | $94 |
| Safeco | $69 | $96 |
| Dairyland | $70 | $96 |
| Allstate | $73 | $100 |
| Progressive | $74 | $101 |
| National General | $83 | $114 |
| State Farm | $87 | $118 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
It’s likely that your insurance company will raise your rates after you’ve been found at fault in an accident. Depending on the severity of the accident and your driving history, your insurance company may drop you after an at-fault accident, though this is uncommon. Buying accident forgiveness coverage before something happens could help you avoid an accident surcharge, but you generally need a clean driving record for at least three years to be eligible for this coverage type.
Charlotte drivers with at-fault accidents on their records face average monthly insurance costs of $123 for liability-only coverage and $221 for full coverage. Though finding an insurance policy you can afford after an at-fault accident may be more challenging, these insurance companies offer the cheapest car insurance for drivers with an at-fault accident in Charlotte.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Erie | $53 | $79 |
| Nationwide | $53 | $78 |
| GEICO | $61 | $89 |
| Liberty Mutual | $65 | $101 |
| Travelers | $68 | $100 |
| Direct Auto | $69 | $103 |
| Safeco | $69 | $99 |
| Dairyland | $70 | $102 |
| Allstate | $73 | $107 |
| Progressive | $74 | $109 |
| National General | $83 | $122 |
| State Farm | $87 | $126 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Driving under the influence endangers everyone on the road, and the severity of a DUI is reflected in increased car insurance rates.
“A DUI can make it very difficult for you to obtain standard auto insurance,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute. “You could pay 100% or more for coverage compared to a driver with a clean record.”
Drivers with a DUI on their record in Charlotte pay average car insurance rates of $242 per month for full coverage and $134 for liability only. You may find the cheapest insurance for your circumstances from the following companies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Erie | $53 | $92 |
| Nationwide | $53 | $92 |
| GEICO | $61 | $106 |
| Liberty Mutual | $65 | $113 |
| Travelers | $68 | $118 |
| Direct Auto | $69 | $120 |
| Safeco | $69 | $120 |
| Dairyland | $70 | $121 |
| Allstate | $73 | $127 |
| Progressive | $74 | $128 |
| National General | $83 | $144 |
| State Farm | $87 | $151 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors
Age has its privileges, especially regarding lower car insurance rates. Car insurance premiums are generally at their highest for teens and young adults, with rates decreasing after age 35.
Premiums tend to remain low for safe drivers until age 70. Slower reaction times and age-related vision and hearing changes come into play, and make senior drivers a little more likely to get into accidents, despite having decades of experience.
Still, senior drivers tend to have the lowest rates of any age group, and that’s true in Charlotte, where the average insurance costs for seniors are $61 per month for liability-only coverage and $110 for full coverage. The following companies in Charlotte offer the cheapest car insurance for senior drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Nationwide | $61 | $40 |
| Erie | $62 | $40 |
| GEICO | $75 | $49 |
| Travelers | $81 | $53 |
| Progressive | $83 | $53 |
| Allstate | $90 | $59 |
| State Farm | $104 | $68 |
| Direct Auto | $110 | $54 |
| National General | $116 | $64 |
| Safeco | $125 | $58 |
| Liberty Mutual | $200 | $54 |
| Dairyland | $267 | $56 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenagers exhibit some risky behavior on the road, so insurance companies charge higher rates to teenage drivers. Insurers know these drivers are among the most likely to get into accidents, so they account for the increased risk.
Teens and their parents can lower their insurance rates. Some common strategies include:
Stay on your parents’ insurance policy. This is generally cheaper than purchasing a separate policy for a younger driver. And teens younger than 18 can’t legally purchase their own policies without the written consent of a parent or guardian.
Drive a safe and practical car. The Insurance Institute for Highway Safety recommends a list of suitable cars for teens.
Qualify for a student discount. Many insurance companies reward teen drivers who maintain good grades or who live on campus while attending college.
Take a defensive driving course. Insurers may also offer discounts to teen drivers who have completed such a course.
The following insurers offer some of the cheapest car insurance for teens in Charlotte:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Erie | $135 | $87 |
| Nationwide | $138 | $89 |
| GEICO | $145 | $94 |
| Travelers | $182 | $120 |
| Allstate | $193 | $126 |
| Progressive | $200 | $129 |
| State Farm | $223 | $145 |
| Direct Auto | $249 | $123 |
| National General | $291 | $160 |
| Safeco | $292 | $135 |
| Liberty Mutual | $413 | $112 |
| Dairyland | $535 | $112 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
The 10 Best and Worst Car Insurance Comparison Sites for 2024
Find Car Insurance in Charlotte
Unlock savings and discounts when you compare rates through Insurify
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Charlotte car insurance quotes by credit tier
North Carolina auto insurance companies can use your credit history as a factor in your premium costs. That means having good-to-excellent credit means you’ll likely pay lower rates than a driver with a fair-to-poor credit score.[3]
Drivers with less-than-perfect credit scores should do what they can to improve their scores. Not only will that help their ability to qualify for credit, but it may also help lower their insurance costs.
The chart below shows the average monthly cost of full-coverage insurance in Charlotte by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Charlotte?
Both full-coverage and liability-only car insurance are more expensive in Charlotte compared to the average rate in North Carolina. The state average for full-coverage insurance is $99 per month, while Charlotte’s average cost is $133 per month. Liability-only coverage averages just $55 per month over the whole of North Carolina, while Charlotte residents pay an average of $74 per month for the same level of coverage.
The widely varying costs of insurance within a state — or even within the same city — generally have to do with geographical factors, population density, crime statistics, and even demographics. This is why some cities, like Charlotte, have higher average insurance rates than other cities within the same state.
More cities in North Carolina
Understanding the average insurance rates in other cities in the state can help Charlotte residents make the best decisions about their insurance coverage. Here are average monthly car insurance rates in other North Carolina cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Asheville | $75 | $45 |
| Durham | $102 | $55 |
| Greensboro | $97 | $64 |
| High Point | $100 | $62 |
| Raleigh | $104 | $61 |
| Wilmington | $103 | $59 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Charlotte car insurance FAQs
Finding the best car insurance can be a challenge. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Charlotte.
How much is car insurance in Charlotte?
Car insurance in Charlotte costs an average of $133 per month for full coverage and $74 for liability-only policies. Your rates may be more or less than average depending on factors like your driving history, make and model vehicle, and age.
What company has the cheapest car insurance in Charlotte?
Midvale Home & Auto offers the lowest car insurance rates in the Queen City, with minimum-coverage policies starting at $44 per month. Charlotte drivers can also find cheap rates with the city’s second- and third-cheapest insurers, Erie and Nationwide, whose liability rates start at $53 and $53 per month, respectively.
What are the best car insurance companies in Charlotte?
With an Insurify Quality (IQ) Score of 9.0 out of 5 and an AM Best financial strength rating of A++ (Superior), Travelers is the best car insurance company in Charlotte. Of the insurers Insurify has rate data for, other top Charlotte choices include Erie and Direct Auto.
Is North Carolina a no-fault state?
No. North Carolina is an at-fault state, meaning that the driver at fault is responsible for paying the injured party’s expenses.
What are the penalties for driving without insurance in North Carolina?
Driving without insurance in North Carolina can lead to fines, a suspended license, suspended registration, and even jail time.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in North Carolina
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- North Carolina Department of Motor Vehicles. "Insurance Requirements."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
)
Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
)
)
)
)
)
)