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Cheapest Car Insurance Quotes in Charlotte, North Carolina
Midvale Home & Auto, Direct Auto, and National General offer the cheapest car insurance for full-coverage insurance in Charlotte.
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated December 6, 2022
The cost of minimum-coverage car insurance in Charlotte ranges between $76 and $145 per month, and full coverage ranges from $84 to $218 per month. The statewide average is $103 per month for minimum coverage and $160 per month for full coverage.
If you’re looking to save money on car insurance, plenty of affordable options are available. The best way to understand your options is by comparing car insurance quotes online. We’ll outline some of the cheapest car insurance quotes and additional factors that could influence your payments.
How much does car insurance cost in Charlotte?
Insurance costs can vary widely in Charlotte, so it’s a good idea to compare quotes to find the best deal for your needs. The car you drive, your deductible, your demographics, and your driving history all affect how much you’ll pay each month.
Insurify data scientists analyzed the latest insurance rates in Charlotte to identify the cheapest quotes in the area. Here are some of the main takeaways for anyone shopping around for auto insurance:
Midvale Home & Auto: At $72 per month, Midvale Home & Auto is the cheapest liability-only insurance coverage in Charlotte.
Direct Auto: If you’re looking for affordable full coverage, Direct Auto costs $75 per month.
National General: National General is the most affordable option for younger drivers, at $74 per month.
Read More: Cheap Car Insurance in North Carolina
Cheapest car insurance in Charlotte: Direct Auto
Direct Auto is the cheapest car insurance in Charlotte, costing an average of $81 per month. This average accounts for both liability-only and full-coverage policies. Various factors can influence car insurance rates, including your location. The following table outlines some of the cheapest monthly car insurance rates in Charlotte.
| Insurance Company | Insurify Composite Score (ICS) | Liability-Only | Full Coverage |
|---|---|---|---|
| Direct Auto | N/A | $77 | $85 |
| National General | 58 | $116 | $114 |
| Midvale Home & Auto | N/A | $76 | $133 |
| Travelers | 80 | $139 | $137 |
| Nationwide | 89 | $110 | $140 |
| Kemper Preferred | N/A | $84 | $143 |
| Safeco | 86 | $94 | $165 |
| State Auto | 76 | $83 | $171 |
| Progressive | N/A | $109 | $181 |
| Dairyland | N/A | $85 | $211 |
| Liberty Mutual | 82 | $145 | $219 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
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How much car insurance do you need in Charlotte?
North Carolina requires drivers to carry a minimum amount of liability insurance, but it may be a good idea to carry comprehensive and collision coverage as well, especially if you have an expensive vehicle or live in a high-risk area. Here are the minimum insurance requirements you need to know about:
$30,000 per person and $60,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
$60,000 per accident for uninsured/underinsured motorist bodily injury liability
$25,000 per accident for uninsured/underinsured motorist property damage liability
In addition, drivers must carry proof of insurance in their vehicles at all times. You may need to provide proof of insurance if it’s requested by law enforcement, if you’re renewing your vehicle registration, or if you’re involved in a car accident.
North Carolina DMV information
The North Carolina DMV allows you to renew your license plate and driver’s license online. You can also order a copy of your driving records, pay penalties for insurance lapses, and estimate your vehicle property taxes.[1]
You can schedule an appointment if you prefer to take care of these activities in person. Just make sure you have the necessary documents on hand before you go.
Tips for getting cheap car insurance in Charlotte
If you’re looking for ways to reduce car insurance premiums, you might consider bundling with your homeowners insurance, as your provider may give you a discount for purchasing multiple policies. It’s also important to comparison-shop for car insurance quotes from multiple providers.
Check Out: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Charlotte
Age can also affect your insurance premiums because insurance companies view younger drivers as riskier than older drivers with more experience. The following table outlines what Charlotte drivers can expect to pay each month on average based on their age group.
| Age Group | Average Monthly Rate |
|---|---|
| Teens | $243 |
| Under 25 | $169 |
| 25–29 | $148 |
| 30s | $126 |
| 40s | $126 |
| 50s | $110 |
| 60s | $85 |
| 70s | $117 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheapest car insurance for young drivers in Charlotte
Young drivers tend to pay more for car insurance due to their lack of experience, but there are still affordable options. If you’re looking for cheap coverage in Charlotte, National General is your best bet, at $74 per month on average.
| Insurance Company | Average Monthly Rate |
|---|---|
| National General | $74 |
| Direct Auto | $93 |
| Travelers | $112 |
| Kemper Preferred | $121 |
| Progressive | $128 |
| Nationwide | $129 |
| Midvale Home & Auto | $166 |
| Safeco | $197 |
| State Auto | $210 |
| Liberty Mutual | $228 |
| Dairyland | $228 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheapest car insurance for middle-aged drivers in Charlotte
Middle-aged drivers in Charlotte typically pay less than young drivers already but can save even more with the right provider. Direct Auto offers one of the cheapest options, with an average rate of only $75 per month.
| Insurance Company | Average Monthly Rate |
|---|---|
| Direct Auto | $75 |
| National General | $94 |
| Progressive | $104 |
| Midvale Home & Auto | $108 |
| Nationwide | $112 |
| Travelers | $115 |
| Kemper Preferred | $124 |
| Liberty Mutual | $125 |
| Safeco | $127 |
| State Auto | $145 |
| Dairyland | $197 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheapest car insurance for senior drivers in Charlotte
Senior drivers looking to save may have to compare quotes, too. One of the most affordable options in Charlotte is National General, with an average rate of $57 per month.
| Insurance Company | Average Monthly Rate |
|---|---|
| National General | $57 |
| Nationwide | $65 |
| Direct Auto | $66 |
| Progressive | $70 |
| Midvale Home & Auto | $76 |
| Liberty Mutual | $78 |
| Travelers | $88 |
| Safeco | $95 |
| Kemper Preferred | $97 |
| State Auto | $103 |
| Dairyland | $176 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
How credit scores affect cheap car insurance in Charlotte
You may be surprised to learn that your credit score can affect your car insurance rates. Insurers look at your credit history and factor it into a broader insurance score, which is used to determine how much risk you present and how much they will charge you for your policy.
The table below shows what you can expect to pay depending on how strong your credit score is.[2]
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $125 |
| Good | $160 |
| Fair | $141 |
| Poor | $149 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
The effect of driving habits on car insurance in Charlotte
Your driving habits and the type of coverage you purchase will also affect how expensive your coverage is. Drivers with a history of accidents will pay more than someone with a spotless driving record. Speeding tickets and other moving violations will also likely cause your insurance rates to increase.
The bottom line is that your driving habits and driving record significantly affect your car insurance premiums. The tables below outline how different driving infractions could increase your rates.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small - insurers may choose to not offer policies to drivers with that infraction. Your actual rate can vary, based on a number of factors other than driving record.
Cheapest car insurance with an accident in Charlotte: National General
Drivers with accidents on their records typically pay more in premiums than those with clean records. It pays to drive safely, and it can take a while for rates to go back down after an accident.
| Car Insurance Company | Clean Record | With Accident | Difference |
|---|---|---|---|
| National General | $73 | $73 | $0 |
| Direct Auto | $77 | $95 | +$18 |
| Progressive | $99 | $141 | +$42 |
| Travelers | $101 | $94 | -$7 |
| Midvale Home & Auto | $105 | $145 | +$40 |
| Nationwide | $111 | $87 | -$24 |
| State Auto | $120 | $207 | +$87 |
| Kemper Preferred | $125 | $106 | -$19 |
| Safeco | $138 | $156 | +$18 |
| Liberty Mutual | $151 | $179 | +$28 |
| Dairyland | $216 | $204 | -$12 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheapest car insurance with a DUI in Charlotte: National General
Drivers with DUIs on their records usually face severe premium increases. Some insurance companies may not even grant you a policy if you have a DUI on your record, as they see it as a major risk.
| Car Insurance Company | Clean Record | With DUI | Difference |
|---|---|---|---|
| National General | $73 | $57 | -$16 |
| Direct Auto | $77 | N/A | N/A |
| Progressive | $99 | N/A | N/A |
| Travelers | $101 | $97 | -$4 |
| Midvale Home & Auto | $105 | $62 | -$43 |
| Nationwide | $111 | N/A | N/A |
| State Auto | $120 | N/A | N/A |
| Kemper Preferred | $125 | N/A | N/A |
| Safeco | $138 | $104 | -$34 |
| Liberty Mutual | $151 | N/A | N/A |
| Dairyland | $216 | $103 | -$113 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheapest car insurance with a speeding ticket in Charlotte: National General
While speeding tickets typically don’t have as serious of an effect on premiums as DUIs, they still can result in increases, especially if you have multiple speeding infractions on your record.
| Car Insurance Company | Clean Record | With Speeding Ticket | Difference |
|---|---|---|---|
| National General | $73 | $112 | +$39 |
| Direct Auto | $77 | $97 | +$20 |
| Progressive | $99 | $166 | +$67 |
| Travelers | $101 | $155 | +$54 |
| Midvale Home & Auto | $105 | $213 | +108 |
| Nationwide | $111 | $113 | +$2 |
| State Auto | $120 | $336 | +$216 |
| Kemper Preferred | $125 | $122 | -$3 |
| Safeco | $138 | $187 | +$49 |
| Liberty Mutual | $151 | $241 | +$90 |
| Dairyland | $216 | $170 | -$46 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Car insurance in other North Carolina cities
Car insurance rates can vary greatly from city to city, even within the same state. Here’s a look at car insurance in other North Carolina cities.
Find local Charlotte agents
North Carolina Business Insurance Agency Inc.
6401 Carmel Rd.,
Ste. 208, Charlotte, NC 28226Allen Tate Insurance Services, LLC.
6207 Park South Dr,
Charlotte, NC 28210Litaker Insurance
2309 Randolph Road,
Charlotte, NC 28207ECM Solutions
4000 Park road,
Charlotte, NC 28209Moulton Insurance Group - Steele Creek
12820 S Tryon Street,
Suite 100, Charlotte, NC 28273Jim Boyce Insurance
4425 Randolph Rd,
Suite 209, Charlotte, NC 28211Moulton Insurance Group - University
3210 Prosperity Church Rd Unit 103,
Charlotte, NC 28269Beach Insurance LLC
3440 Toringdon Way,
Ste 203, Charlotte, NC 28277Moulton Insurance Group
221 E Kingston Ave.,
Charlotte, NC 28203Relation Insurance Services
11215 N Community House Rd Ste 100,
Charlotte, NC 28277-4961
Charlotte car insurance FAQs
You can expect to pay anywhere from $76 to $145 per month for liability-only coverage and $84 to $218 per month for full coverage. Your location, age, driving history, and vehicle all influence the rate you’ll pay for car insurance.
The car you drive, your driving habits, and the deductible you choose all influence your car insurance rates. For instance, your insurance rates will increase if you have a history of speeding tickets or have a DUI on your record.
Direct Auto offers the cheapest car insurance in North Carolina, with an average rate of $81 per month. This average takes into account both liability-only and full-coverage policies.
No, North Carolina doesn’t require drivers to carry personal injury protection (PIP). PIP, otherwise known as no-fault coverage, covers things like medical bills, lost wages, and funeral expenses resulting from a car accident, regardless of fault. Since North Carolina is an “at-fault” state, PIP is not necessary, as the driver responsible for the accident is liable for any resulting expenses.[3]
One of the best ways to save money on car insurance is by comparing quotes from different insurance companies. Prices vary from company to company, so it’s a good idea to receive quotes from at least three companies and see which offers you the best rates.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Sources
- North Carolina DMV. "Helpful Hints." Accessed December 6, 2022
- Equifax. "What is a Good Credit Score?." Accessed December 6, 2022
- NOLO. "North Carolina Car Insurance Laws and Regulations." Accessed December 6, 2022
