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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Not everyone likes numbers—especially when they add up to a higher amount than you want to pay for car insurance. So it’s a good thing that getting auto insurance quotes easily from a site that’s already done the math is something within reach for everyone right now.
The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Charlotte, NC to find you the cheapest quotes in the area.
Here are the cheapest carriers in Charlotte for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $50/mo |
 GEICO | $57/mo |
 Travelers | $73/mo |
 Nationwide | $114/mo |
 State Farm | $132/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $110/mo | |
 Safeco | $171/mo | |
Travelers | $168/mo | |
 National General | $145/mo |
North Carolina Cities | |
|---|---|
| Raleigh | $93/mo |
| Greensboro | $88/mo |
| Durham | $68/mo |
| Winston-Salem | $63/mo |
| Charlotte | $96/mo |
| North Carolina | $82/mo |
Click here to learn about car insurance quotes and save on your current policy.
All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.
The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.
It would be great if a state had one DMV office that did everything, but that never seems to be the case. You want to be careful to choose the right location in Charlotte so you can get the right things done without wasting a trip. The North Carolina DMV makes it easy for you to do that online by allowing you to select the type of errand you want. Choose between license, plate/vehicle, trucking, and even mobile options in the area. If you do better on the computer than in person, there are online driver and registration services available as well the MyDMV Account portal.
Not a NASCAR fan? That’s ok. The artist inside of you might like the Mint Museum Uptown or maybe you prefer to be turned this way and that by the fastest giga coaster in North America at Carowinds Amusement Park. It’s easy to get turned around when talking insurance plans.
Whatever direction you are headed, a solid auto insurance policy will keep you and yours safe and financially protected. Insurify handles your individual insurance needs online—with privacy and peace of mind—in seconds by providing affordable and custom quotes that not only meet minimum state requirements, but are just the right price for your pocketbook.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Charlotte stacks up for the state of North Carolina:
