Cheap Car Insurance Quotes in Charlotte, North Carolina (2025)

The overall cost of car insurance in Charlotte is $94 per month — higher than the statewide monthly average of $75.

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.^[1]

But drivers in the Queen City can still find affordable car insurance. Here’s what you need to know to navigate the Charlotte car insurance market.

How much is car insurance in Charlotte, NC?

Charlotte drivers pay higher car insurance rates than the overall North Carolina average, but Charlotte rates fall below the national average. In the table below, you can see how Charlotte car insurance costs compare.

	Full Coverage	Liability Only
Charlotte	$113	$75
North Carolina	$90	$60
National average	$193	$107

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance companies in Charlotte

No single car insurance company is the cheapest for everyone since so many factors affect your rates. Check out some of the cheapest car insurance companies for Charlotte drivers in the table below.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Nationwide	$73	$61
Erie	$73	$61
GEICO	$81	$78
Travelers	$93	$78
Allstate	$99	$83
Progressive	$110	$73
Direct Auto	$118	$76
State Farm	$119	$100
National General	$122	$80
Safeco	$144	$81
Liberty Mutual	$175	$81
Dairyland	$201	$83

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance companies in Charlotte 

The best car insurance companies in Charlotte depend on your coverage needs and driving history. You can find the right auto insurance coverage for your needs by comparing quotes from multiple insurers.

Start your search with the insurers below.

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	8.5	$75	$63	Coverage options
Erie	8.4	$59	$50	Customer satisfaction
Direct Auto	8.3	$94	$61	High-risk drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

coverage options

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User Reviews	4.7 471 reviews
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.	8.5 /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.	$78/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.	$93/mo

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Driver Reviews

4.7

Best choiceBased on 907 verified guest reviews and ratings

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

Reviews (471)

N A

Verified Review

Time to Lower the Bill

Reviewed in Texas on July 2025

They have been great except for the point of going up in price.

Jesus

Verified Review

Excellent

Reviewed in California on June 2025

No bad experiences with Travelers.

John

Verified Review

Looking for Good Car Insurance at a Reasonable Rate

Reviewed in Florida on June 2025

Simply stated, Travelers has given me a good rate and the service they promise.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

616

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

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++

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

Customer satisfaction

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User Reviews	4.0 185 reviews
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.	8.4 /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.	$61/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.	$73/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 350 verified guest reviews and ratings

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

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

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best For

High customer satisfaction

Competitive rates

Optional coverages

Reviews (185)

Chester

Verified Review

A great insurance company

Reviewed in Louisiana on July 2025

Always great and timely service.

David

Verified Review

Searching for lower costs

Reviewed in Tennessee on June 2025

Cheapest as far as cost so far.

Thomas

Verified Review

Average

Reviewed in Pennsylvania on June 2025

I had full coverage on two cars. When I switched to one car, I had to pay more.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

700

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

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+

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

High-risk drivers

Compare Quotes

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.	8.3 /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.	$76/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.	$118/mo

Show Details

Driver Reviews

How drivers feel about Direct Auto

Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.

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 insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.

AI-generated from the text of verified reviews collected by Insurify

Best For

High-risk drivers

Ample discounts

24/7 claims support

Reviews (355)

Erik

Verified Review

High Premiums and Short Grace Period

Reviewed in Louisiana on July 2025

I have a flawless driving record, and the vehicle I drive is loaded with features. Paying $600 a month feels excessive. After 6 months, I only received a 10-day grace period, which I find disappointing.

Rochelle

Verified Purchase

Okay

Reviewed in on July 2025

Some customer service representatives are rude and don’t know how to deal with people, but the insurance is good.

Tawnia

Verified Purchase

Uncertain About Keeping My Policy

Reviewed in on July 2025

Well, I don’t know how to answer this but to say the following: I got a policy from them and paid my bill late (not my fault), but now that my new bill is due, I received a letter from them stating that on July 7, 2025, they are canceling my insurance due to not showing proof of address. This was dated early June, but I just got it on July 1. So I’m not sure if I should pay my next payment or not. This just makes me feel uncomfortable about them now. But I’m calling them tomorrow morning to see what they say. Either way, my insurance is almost $180.00 a month. I’ve never had any accidents and no tickets, plus I’m almost 60 years old. Very clean driving record!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

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

Why 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:

• 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.

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 for an accident can’t sue for damages. 

Finally, all drivers in the Tar Heel State must also carry uninsured/underinsured motorist coverage, which pays out if a driver without insurance causes an accident that damages your car or causes an injury. The minimum requirement in North Carolina is for a driver’s uninsured motorist coverage to equal their policy’s bodily injury limit, but the coverage can’t exceed $1 million.^[2]

The specific bodily injury and property damage coverage limits required in the state increase on July 1, 2025. The table below reflects the change in requirements:

Coverage	Current Coverage Limits	Coverage Limits as of July 1, 2025
Bodily injury liability	$30,000 per person / $60,000 per accident	$50,000 per person / $100,000 per accident
Property damage liability	$25,000 per accident	$50,000 per accident

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 $61 for liability coverage

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Cheapest car insurance for drivers with a speeding ticket: Nationwide

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’re a higher-risk driver, 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 $160 per month for full coverage and $106 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: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
Nationwide	$61	$81
Erie	$61	$83
Progressive	$73	$103
Direct Auto	$76	$101
GEICO	$78	$105
Travelers	$78	$104
National General	$80	$105
Liberty Mutual	$81	$109
Safeco	$81	$110
Allstate	$83	$109
Dairyland	$83	$109
State Farm	$100	$130

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Erie

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.

Charlotte drivers with at-fault accidents on their records face average monthly insurance costs of $112 for liability-only coverage and $168 for full coverage. 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: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
Nationwide	$61	$84
Erie	$61	$82
Progressive	$73	$109
Direct Auto	$76	$108
GEICO	$78	$101
Travelers	$78	$108
National General	$80	$109
Liberty Mutual	$81	$113
Safeco	$81	$117
Allstate	$83	$114
Dairyland	$83	$114
State Farm	$100	$136

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Erie

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 $179 per month for full coverage and $119 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: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
Nationwide	$61	$93
Erie	$61	$93
Progressive	$73	$115
Direct Auto	$76	$116
GEICO	$78	$119
Travelers	$78	$119
National General	$80	$122
Liberty Mutual	$81	$123
Safeco	$81	$128
Allstate	$83	$126
Dairyland	$83	$126
State Farm	$100	$152

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 seniors: Nationwide

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 around age 25.

Premiums tend to remain low for safe drivers until age 70. Slower reaction times and age-related vision and hearing changes come into play, making 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 $66 per month for liability-only coverage and $99 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: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Nationwide	$56	$47
Erie	$57	$48
GEICO	$65	$62
Travelers	$74	$62
Allstate	$81	$68
Direct Auto	$94	$61
State Farm	$94	$79
National General	$95	$62
Progressive	$96	$64
Safeco	$126	$71
Liberty Mutual	$148	$69
Dairyland	$166	$68

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Erie

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 with these strategies:

• 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: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Erie	$146	$122
Nationwide	$149	$125
GEICO	$154	$148
Travelers	$194	$163
Allstate	$205	$172
Progressive	$229	$152
State Farm	$239	$201
Direct Auto	$246	$158
National General	$263	$172
Safeco	$312	$175
Liberty Mutual	$336	$155
Dairyland	$358	$148

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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. 

Cost of car insurance in other North Carolina cities

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.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

City	Average Quote: Liability Only	Average Quote: Full Coverage
Chapel Hill	$49	$83
Asheville	$50	$72
Cary	$55	$84
Durham	$59	$96
Jacksonville	$60	$84
Wilmington	$62	$91
High Point	$64	$91
Raleigh	$64	$97
Greensboro	$66	$93
Greenville	$68	$93
Fayetteville	$73	$105
Charlotte	$75	$113
Gastonia	$76	$103

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Charlotte car insurance FAQs