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 AUTO INSURANCE RATES
| Charlotte Average (annual) | North Carolina Average | National Average |
| $1,110 | $955 | $1,548 |
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Charlotte car insurance costs by company
The best way to save on auto insurance is to compare rates from as many 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.
CHARLOTTE CAR INSURANCE PREMIUMS BY COMPANY
| 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.
CHARLOTTE AUTO INSURANCE COSTS BY AGE
| 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.
INSURANCE RATES IN CHARLOTTE BY MARITAL STATUS AND GENDER
| 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.
AVERAGE CHARLOTTE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| 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.
CHARLOTTE CAR INSURANCE RATES BY CREDIT LEVEL
| 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.
110
Rainy Days a Year
42"
Avg. Annual Rainfall
4"
Avg. Annual Snowfall
Be Prepared For
Driving in Charlotte
Major Highways
I-85 I-77 I-277Popular Day Trips
Winston-Salem Greensboro Paddle CreekParking
City of Charlotte ParkingCar Insurance Companies in Charlotte
Find Local Charlotte Agents
Lawing-Elvington Insurance Agency, Inc.
6132 Brookshire Blvd Ste B, Charlotte, NC 28216
Hutch Ham Agency, Inc.
821 Baxter St Ste 312, Charlotte, NC 28202
Express Insurance Service, Inc.
4016 Wilkinson Blvd Ste F, Charlotte, NC 28208
Access Advantage Auto & Home Agency Inc.
103 West Morehead St., Charlotte, NC 28202
Jim Boyce Insurance
4425 Randolph Rd, Suite 209, Charlotte, NC 28211
Cantley Insurance & Financial Services
2101 Sardis Road North Suite 108, Charlotte, NC 28227
Prestige Insurance Agency, Inc.
2331 Crown Point Executive Dr., Ste. E, Charlotte, NC 28227
Charles W. Lockhart Insurance Agency, Inc.
4412 Park Rd, Charlotte, NC 28209
Main Street Financial Group dba Main Street Insurance Group
221 W 11th St, Charlotte, NC 28202
Allwood Insurance Group, Inc.
3611 Mount Holly Huntersville Rd Ste 205, Charlotte, NC 28216
ISU Wes Connor Agency, Inc.
11301 Golf Links Dr N Suite 202, Charlotte, NC 28277
Senn Dunn
440 South Church St Ste 500, Charlotte, NC 28202
Hood, Hargett & Associates, Inc.
132 North McDowell Street, Charlotte, NC 28204
Litaker Insurance
2309 Randolph Road, Charlotte, NC 28207
Gause & Associates
5005 West W.T. Harris Blvd Ste G, Charlotte, NC 28269
ECM Solutions
4000 Park Rd, Charlotte, NC 28209
Hub International Southeast
1001 Morehead Square Dr Ste 400, Charlotte, NC 28203
$800
The average Charlottean's annual cost of coverage
40%
Our customer's average savings after comparing insurance
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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.