Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

How much does car insurance cost in Charlotte?

The average cost of auto insurance in Charlotte is $1,110 per year. That's more than the statewide average in North Carolina ($955) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Charlotte.

Charlotte Average (annual) North Carolina Average National Average
$1,110 $955 $1,548

Skip to:

Or compare personalized rates side-by-side:

Location pin icon
No spam. We take your privacy seriously.

Charlotte car insurance costs by company

The best way to save on auto insurance is to compare rates from as many car insurance companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Charlotte's cheapest rates. Reference below the top options for affordable insurance in Charlotte. Don't forget to get car insurance quotes based on your unique driving profile.

Company Average Rate (annual)
GEICO $555
North Carolina Farm Bureau $861
Erie $918
State Farm $1,044
Nationwide $1,139

Check out our guide to learn how to find the best cheap car insurance.

Charlotte car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Charlotte are drivers in their 60s, who pay an average of $1,035per year. Drivers in their 50s pay marginally higher rates — $1,035 per year.

The Charlotte drivers facing the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Charlotte is to age out of your teens. In Charlotte, teenage drivers pay $2,516 — a full $1,481 more than the second-most expensive rate paid by an age group.

Age Average Yearly Rate
Teenagers $2,516
20s $1,215
30s $1,101
40s $1,081
50s $1,035
60s $1,035
70s $1,103

Learn more about the impact of age on car insurance premiums.

Charlotte auto insurance rates by gender and marital status

Marital status and gender are contributing factors to car insurance rates in many cases. In Charlotte, married drivers pay $6 more than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Charlotte, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Charlotte, males pay $0 more each year for car insurance than do female drivers.

Gender/Marital Status Average Annual Rate
Female $1,110
Male $1,110
Single $1,116
Married $1,116
Divorced $1,110
Widowed $1,110

Learn more about how gender and marital status have on car insurance rates.

Charlotte auto insurance premiums by driving history

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Charlotte drivers found guilty of reckless driving face insurance rate increases of $972 per year, compared to the citywide average. A DUI violation may lead to a $3,993 increase, while a citation for speeding leads to a $577 rate hike.

Incident Average Yearly Rate
DWI/DUI $5,102
Reckless Driving $2,082
At-fault Accident (damages less than $1,000) $1,490
At-fault Accident (damages > $2,000) $1,841
Speeding Ticket (16-20 mph over speed limit) $1,686

Get more info on how a bad driving history can impact your car insurance costs.

Charlotte car insurance rates by credit tier

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Charlotte drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 43% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Charlotte, improving your credit to "Fair" corresponds with a $493 decrease in annual car insurance rates.

Credit Score Average Rate (annual)
Very Poor $1,792
Fair $1,299
Good $1,110
Very Good $1,075
Exceptional $1,025

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in Charlotte?

Where you live in Charlotte affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Charlotte is no exception to the rule. From ZIP code 28115 to 28105, premiums rise by 11 percent—that's $82.

Expensive Charlotte ZIP codes: 28277, 28273, 28270, 28134, 28105

Cheap Charlotte ZIP codes: 28115, 28213, 28215, 28227, 28262

Charlotte Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Charlotte, you can expect 110 rainy days with an annual rainfall of 41.6 inches. Charlotte is also known to experience thunderstorms and occasional hurricanes.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Charlotte

Major Highways
I-85 I-77 I-277
Popular Day Trips
Winston-Salem Greensboro Paddle Creek

Find Local Charlotte Agents

Litaker Insurance

2309 Randolph Road, Charlotte, NC 28207

Hood, Hargett & Associates, Inc.

132 North McDowell Street, Charlotte, NC 28204

Prestige Insurance Agency, Inc.

2331 Crown Point Executive Dr., Ste. E, Charlotte, NC 28227

Hub International Southeast

1001 Morehead Square Dr Ste 400, Charlotte, NC 28203

Access Advantage Auto & Home Agency Inc.

103 West Morehead St., Charlotte, NC 28202

Hutch Ham Agency, Inc.

821 Baxter St Ste 312, Charlotte, NC 28202

Cantley Insurance & Financial Services

2101 Sardis Road North Suite 108, Charlotte, NC 28227

Main Street Financial Group dba Main Street Insurance Group

221 W 11th St, Charlotte, NC 28202

Express Insurance Service, Inc.

4016 Wilkinson Blvd Ste F, Charlotte, NC 28208

Charles W. Lockhart Insurance Agency, Inc.

4412 Park Rd, Charlotte, NC 28209

Senn Dunn

440 South Church St Ste 500, Charlotte, NC 28202

ISU Wes Connor Agency, Inc.

11301 Golf Links Dr N Suite 202, Charlotte, NC 28277

Allwood Insurance Group, Inc.

3611 Mount Holly Huntersville Rd Ste 205, Charlotte, NC 28216

Jim Boyce Insurance

4425 Randolph Rd, Suite 209, Charlotte, NC 28211

ECM Solutions

4000 Park Rd, Charlotte, NC 28209

Gause & Associates

5005 West W.T. Harris Blvd Ste G, Charlotte, NC 28269

Lawing-Elvington Insurance Agency, Inc.

6132 Brookshire Blvd Ste B, Charlotte, NC 28216


The average Charlottean's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 128 cups of coffee or $320 in savings

See How Much You Can Save in Charlotte

Just enter your ZIP code to get started

Location pin icon
No junk mail. No spam calls. Free quotes.

My policy was never updated when I moved and I didn't realize. My motorcycle was stolen, do I have any coverage?

I would open up the claim with the insurance and see what they say. Likely if you haven't been moved for a long time they will still honor the claim.
Dec 7, 2020 Charlotte, VA

Does North Carolina accept proof of insurance on my phone if I were to get pulled over?

Unfortunately, North Carolina does not allow for digital proof of insurance just yet so you will need to print a hard copy to keep in your vehicle. That could always change in the future, but currently, a hard copy is required.
Sep 18, 2016 Charlotte, NC

Can my ex husband take out an insurance policy in my name?

If he is taking out an insurance policy in your name simply to get a cheaper rate, he is committing insurance fraud. What I recommend is contacting the insurance company your husband is attempting to use and letting them know you are not on the policy and that you two are separated.
Mar 24, 2018 Charlotte, North Carolina

Will GEICO increase my rates if I file a windshield claim?

This is a tricky question to answer. How a claim will impact your rate is specific to the coverage and company you have.
Aug 4, 2018 Charlotte, NC

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.