Cheap Auto Insurance Quotes in Charlotte, NC (January 2022)

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Last Updated: January 2022

Racing fans know that Charlotte is home to the NASCAR Hall of Fame, which has something for everyone, even if you can’t recite racing statistics from the last 10 years. You don’t have to drive NASCAR, though, to know that you’ll always be a winner if you have an affordable insurance plan in place.

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.

Car Insurance in Charlotte, NC

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.
ProgressiveGEICOTravelersNationwideState Farm

Cheapest Car Insurance in Charlotte, NC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Charlotte, NC

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 company reviews. The following are the top rated companies that offer car insurance in Charlotte. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

North CarolinaRaleighGreensboroDurhamWinston-SalemCharlotte
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Charlotte, NC Driving Facts


Minimum Car Insurance Requirements in NC

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

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.

  • $25,000/accident for Property Damage (PD)

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.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

Charlotte Car Insurance Rates by Driver Age

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.

Driving History
No Violation$133
Speeding Ticket$161
At-Fault Accident$169
Failure to Stop for Red Light / Stop Sign$241

Charlotte Car Insurance Rates by Driving and Accident History

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.

Charlotte Car Insurance Rates by Credit Tier

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.

Charlotte, NC DMV Information

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.

Find local Charlotte agents

North Carolina Business Insurance Agency Inc. 
6401 Carmel Rd., Ste. 208, Charlotte, NC 28226
Allen Tate Insurance Services, LLC. 
6207 Park South Dr, Charlotte, NC 28210
Litaker Insurance 
2309 Randolph Road, Charlotte, NC 28207
ECM Solutions 
4000 Park road, Charlotte, NC 28209
Moulton Insurance Group - Steele Creek 
12820 S Tryon Street, Suite 100, Charlotte, NC 28273
Jim Boyce Insurance 
4425 Randolph Rd, Suite 209, Charlotte, NC 28211
Moulton Insurance Group - University 
3210 Prosperity Church Rd Unit 103, Charlotte, NC 28269
Beach Insurance LLC 
3440 Toringdon Way, Ste 203, Charlotte, NC 28277
Moulton Insurance Group 
221 E Kingston Ave., Charlotte, NC 28203
Relation Insurance Services 
11215 N Community House Rd Ste 100, Charlotte, NC 28277-4961

Insurify Insights: How Charlotte Drivers Measure Up

Honda Accord
Most Popular Car in
Charlotte, NC
suspended licenses
Cities with Most
Suspended Licenses Rank

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.

Accidents in Charlotte

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.

  • Rank within state: #8
  • Percent of drivers in Charlotte with an accident: 12.91%
  • Drivers in Charlotte, NC with an accident in their driving history paid on average 24.82% more than drivers with a clean record

Speeding in Charlotte

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.

  • Rank within state: #12
  • Percent of drivers in Charlotte with a speeding ticket: 10.97%
  • Drivers in Charlotte, NC with a speeding ticket in their driving history paid on average 29.93% more than drivers with a clean record

DUI/DWIs in Charlotte

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.

  • Rank within state: #28
  • Percent of drivers in Charlotte with a DUI: 1.33%
  • Drivers in Charlotte, NC with a DUI in their driving history paid on average 42.34% more than drivers with a clean record

Rude in Charlotte

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.

  • Rank within state: #12
  • Percent of drivers in Charlotte with a reckless driving violation: 1.41%
  • Drivers in Charlotte, NC with a reckless driving violation in their driving history paid on average 51.09% more than drivers with a clean record.

Safest Drivers in Charlotte

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.

  • Rank within state: #6
  • Percent of drivers in Charlotte with clean record: 78%

Failure to Yield the Right of Way in Charlotte

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.

  • Rank within state: #10
  • Percent of drivers in Charlotte with a failure to yield violation: 0.3%
  • Drivers in Charlotte, NC with a failure to yield violation in their driving history paid on average 1400% more than drivers with a clean record

Reckless Drivers in Charlotte

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.

  • Rank within state: #4
  • Percent of drivers in Charlotte with a reckless driving offense: 0.28%

Most Popular Vehicle in Charlotte

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.

How to get the best and cheapest car insurance in Charlotte, NC

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.

FAQs - Charlotte, NC Car Insurance

What is a PJC (prayer for judgement continued) in North Carolina?

A prayer for judgement continued is unique to the state of North Carolina. It can be used as a way of keeping points off of your driving record and avoiding a rise in your insurance rates when you have a traffic violation. There are some rules, though. Prayers for judgment can only be granted twice in five years per household; they are not granted to commercial drivers, and they are not granted in all cases. A PJC cannot be used in the following cases: driving while impaired (DWI), passing a stopped school bus, or speeding more than 25 mph in excess of the limit. Insurance companies will see the PJC on your record, and it can affect your insurance rates if used too many times. Although it’s legally possible to use a PJC two times in a five-year period, North Carolina insurance companies only allow one every three years on a family insurance policy.

What is a motor vehicle record and how can I get mine in NC?

Just like your report card in grade school, your motor vehicle record (MVR) or driving record is an account of just how well (or not so well) you’ve done on the road since you’ve been issued a driver’s license. Any tickets or violations you have received show up on this record, and it is something that insurance companies always look at before finalizing your insurance policy. It’s not often that mistakes show up here, but it can happen. Checking on your record periodically may give you the peace of mind to know what’s on it. In North Carolina, you can easily order a copy of your MVR online, by mail, or in person at North Carolina DMV headquarters in Raleigh. Different types of copies are available (some show more than others), and costs range from $10 to $14.

What does an underwriter do?

While you can go online or talk to an agent in person to get an auto insurance quote, these are merely means of gathering information. Insurance issuers have underwriters who work for them. Once all the information is gathered, the underwriter’s responsibility is to understand just how much risk you should be assigned, whether you should be given insurance at all, and at what rate. Most insurance shoppers answer insurance questions honestly up front. Having the underwriter is simply a matter of a company doing their due diligence and making sure everything you told them is true, comparing your information with their rate guidelines, and confirming that any rate quote you may have received is sufficient.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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