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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 | |
|---|---|
Progressive | $50/mo |
GEICO | $57/mo |
 Travelers | $73/mo |
 Nationwide | $114/mo |
 State Farm | $132/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Charlotte. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $110/mo | |
 Safeco | $171/mo | |
Travelers | $168/mo | |
 National General | $145/mo |
| Raleigh | $93/mo |
| Greensboro | $88/mo |
| Durham | $68/mo |
| Winston-Salem | $63/mo |
| Charlotte | $96/mo |
| North Carolina | $82/mo |
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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.
Operating a vehicle on Charlotte streets tends to be fairly affordable, no matter your age. Young and inexperienced drivers usually pay the highest rates, averaging around $212. Once motorists reach their 20s, they get to enjoy a lower premium that’s usually $167 or so. Rates continue to slowly decrease for drivers decade after decade in Charlotte, with individuals in their 80s paying only about $90 a month for their coverage.
| Driver's Age | |
|---|---|
| teens | $213 |
| 20s | $168 |
| 30s | $136 |
| 40s | $140 |
| 50s | $134 |
| 60s | $108 |
| 70s | $108 |
| 80s | $91 |
| Driving History | |
|---|---|
| No Violation | $133 |
| Speeding Ticket | $161 |
| At-Fault Accident | $169 |
| Failure to Stop for Red Light / Stop Sign | $241 |
Most Charlotte residents know that their driving history plays a large role in their car insurance rates, but many may be surprised at the price differences between various types of violations. Those with a clear driving history tend to pay around $132, while a speeding ticket will boost this , to $160. An at-fault accident will further increase premiums to $168 and failing to stop at a stop sign is by far the most expensive, with rates soaring to $240 on average.
While slowly improving your credit score might help you save money in some cities, Charlotte is a bit of an exception to this rule. Drivers who are in the poor, average, or good credit tiers can all expect to pay nearly the exact same rate, with prices hovering around $152, $155, and $151, respectively. Only when you reach the excellent credit tier will you see a difference in Charlotte, as these drivers pay around $123 for their premium on average.
| Credit Tie | |
|---|---|
| Excellent | $124 |
| Good | $152 |
| Average | $156 |
| Poor | $153 |
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Charlotte drivers measure up to their fellow North Carolina motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Charlotte drivers rank 8 in the number of car accidents per driver across all cities in North Carolina.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Charlotte drivers rank 12 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Charlotte drivers rank 28 in the number of DUI’s per driver across all cities in North Carolina.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Charlotte drivers rank 12 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Charlotte drivers rank 6 in clean driving records across all cities in North Carolina.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Charlotte drivers rank 10 in failure to yield violations per driver across all cities in North Carolina.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Charlotte drivers rank 4 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Charlotte is the Honda Accord.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
