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Compare car insurance rates in Charlotte, North Carolina

How to get the best deal on car insurance in Charlotte

The average annual cost of car insurance in Charlotte, North Carolina, is $1,191, squeaking in just under the national average of $1,300. Filter car insurance companies by roadside assistance, discounts and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers

Charlotte is North Carolina’s largest city, with most households owning a car. More cars on the road could equate to higher rates than in smaller cities like Asheville. But unlike many other large cities across the country, the average annual car insurance premium in Charlotte is fairly modest.

Cheapest car insurance in Charlotte

To narrow your search and help you get a low insurance rate in your area, we’ve found the top 10 cheapest car insurance providers in Charlotte.

CompanyAverage annual rateRead review
Progressive$865Read review
Geico$1,023Read review
Liberty Mutual$1,042Read review
Utica National$1,044
Titan$1,055Read review
Erie$1,114Read review
NC Farm Bureau Mutual$1,125
Allied$1,137Read review
Auto-Owners$1,154Read review
GMAC$1,165Read review
  • How to get cheap car insurance in Charlotte

    • Be a safe driver. North Carolina has strict driving laws about speeding, tailgating and running stop signs. Practice safe driving habits to avoid tickets and accidents, and you’ll likely get a better car insurance rate to boot.
    • Bundle home and auto. Most insurance companies offer a decent discount if you bundle your home and auto policies together.
    • Compare the discounts available. Car insurance companies need to aggressively compete with each other to deliver the lowest rates due to a cap on the amount they are able to charge in the state. It’s worth your while to compare the discounts available from different providers to find the one that will save you the most cash.

    Coverage costs in Charlotte

    Your annual premium will depend on your vehicle, driving habits, what type of coverage you have and more.

    You could opt for the state minimum coverage required if your goal is to pay as little as possible each month. On the other hand, since car insurance in Charlotte is on the cheap side, you might want to spring for additional coverage options in case you do ever get into an accident.

    Coverage levelAverage annual rateCoverage details
    State minimum coverage$1,162
    • 30/60 liability coverage
    • $25,000 in property damage
    • 30/60 uninsured motorist bodily injury
    • $25,000 uninsured motorist property damage
    Low coverage$1,519
    • 30/60 liability coverage
    • $25,000 in property damage
    • 30/60 uninsured motorist bodily injury
    • $25,000 uninsured motorist property damage
    • Comprehensive and collision coverage
    Medium coverage$1,592
    • 50/100 liability coverage
    • $50,000 in property damage
    • 50/100 uninsured motorist bodily injury
    • $25,000 uninsured motorist property damage
    • Comprehensive and collision coverage
    High coverage$1,695
    • 100/300 liability coverage
    • $100,000 in property damage
    • 100/300 uninsured motorist bodily injury
    • $25,000 uninsured motorist property damage
    • Comprehensive and collision coverage

    State minimum requirements in Charlotte

    To legally drive in North Carolina, you’ll need auto insurance that includes at least:

    • Bodily injury liability. $30,000 per person, $60,000 per accident
    • Property damage liability. $25,000 per accident
    • Uninsured motorist property damage. $25,000 per accident
    • Uninsured motorist bodily injury. $30,000 per person, $60,000 per accident

    When you’re shopping for a car insurance policy, you might see these requirements shortened to 30/60/25.

    Uninsured motorist coverage takes care of damages or injuries if you’re in a collision with an uninsured driver. According to a 2015 study, it’s estimated that 6.5% of all motorists in North Carolina don’t have car insurance.

    What additional coverage should I get in Charlotte?

    Since Charlotte is North Carolina’s biggest city, with more drivers on the road and a higher risk of damaging your vehicle, you might want to look into adding these additional coverage options to your policy.

    • Collision coverage. While the accident rate in Charlotte isn’t nearly as high as it is in cities like Los Angeles or New York, there’s still a higher chance that you’ll get into a car accident if you live in a big city, rather than a more rural area. This is why it makes sense for drivers in Charlotte to consider collision coverage, which pays for damages to your vehicle in the event of an accident.
    • Comprehensive coverage. Because of decreasing city maintenance budgets, Charlotte’s roads are known to have tons of potholes, which can cause some serious damage to your car if you’re not careful. This, combined with a higher risk of theft and vandalism, makes it smart to add comprehensive coverage to your policy if you can afford it. Comprehensive coverage offers protection for damages to your vehicle caused by things other than a wreck, including potholes, theft, vandalism and weather.

    Does North Carolina allow self-insurance?

    Yes, if you own at least 26 vehicles, North Carolina allows you to self-insure them. This can help mid-size businesses save on car insurance policies. This law allows you to self-insure your vehicles and drivers if you can prove, through tax and income documentation, that you’re able to pay any costs if an accident occurs.

    What should I know about driving in Charlotte?

    Driving in Charlotte is similar to driving in other parts of the state, except for the fact that there’s going to be significantly more traffic here than in rural areas. When driving through Charlotte, keep these tips in mind.

    • Don’t text and drive. North Carolina bans texting and driving, as well as cellphone use while driving if you’re younger than 18 years old or driving a school bus.
    • Don’t run red lights. The city of Charlotte is increasing the number of red light cameras installed at busy intersections, so even if a cop doesn’t see you run a red light, you could get a ticket in the mail.
    • All motorcyclists and moped drivers must wear a helmet. You need to wear a helmet when driving or riding a motorcycle or moped. If you don’t, you could get a ticket and possibly a fine.
    • Mopeds must now be titled and registered. Although you don’t have to have a driver’s license to operate a moped, you do have to be at least 16 years old. Plus now, North Carolina requires that you pay for a title and registration for your moped.

    As in most larger cities, many drivers opt for sensible, modest cars to help save on gas while sitting in busy traffic and to more easily navigate congested city streets. Some of the most popular cars in Charlotte include:

    • Honda Accord
    • Acura ILX
    • Acura MDX
    • Honda Civic
    • Honda CR-V
    • Toyota Camry
    • Audi A3/A4
    • Hyundai Sonata

    Car insurance in Charlotte, North Carolina

    Want local service from a nearby insurance agent? Find a local agent near you.

    Bottom line

    Drivers in Charlotte generally enjoy much lower car insurance premiums than those living in other major cities across the country. But you can still compare your options to make sure you’re getting the best rate available.

    Frequently asked questions about car insurance in Charlotte

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