How Much Are Car Insurance Rates in Charlotte?


Premiums in North Carolina are recognized for being low-cost. They are generally 39% lower than the national average. Review our tips to save on Charlotte car insurance and save money.


AUTO INSURANCE PREMIUMS: CHARLOTTE VS. STATE/US AVERAGES
City AverageState AverageNational Average
$975$865$1,427


Charlotte Car Insurance After Accidents or Violations


Maintaining an untarnished driving record is vital if you want to keep the expense of car insurance premiums minimal. When comparing rates for drivers with at-fault accidents in Charlotte, those with damages exceeding $2,000 pay 11% more than those with damages less than $1,000. In general, a DUI in Charlotte will cost you 95% more in car insurance premiums versus the city average ($975). Reckless driving will also push your premiums up, with average rates of $4,121, which are 323% higher than the city average!


AVERAGE CHARLOTTE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI$1,897
Reckless Driving$4,121
At-fault Accident (damages less than $1,000)$1,345
At-fault Accident (damages greater than $2,000)$1,487
Speeding Ticket (16-20 mph over speed limit)$1,461


Charlotte Auto Insurance by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $2,182. When you look across all age groups, drivers in their 50s tend to have the lowest car insurance payments. Their rates normally average $954. However, those in their 40s and 60s aren't paying significantly more, with premiums of $963 and $973, respectively. The largest dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Charlotte start saving $1,184. Turning 60 triggers an increase in premiums, but up until that point drivers can expect premium reductions when they progress between age groups.


CHARLOTTE AUTO INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$2,182
20s$998
30s$974
40s$963
50s$954
60s$973
70s$1,019


Charlotte Auto Insurance by Gender and Marital Status


Pricing for car insurance premiums in Charlotte is dictated by a variety of rating factors, including gender and marital status. While being married (as opposed to single) doesn't drastically alter your premiums, it does cost you a small amount more per year. On the other hand, widowed and divorced individuals pay the same as drivers who are single. Males have premiums that are a little cheaper than those for females.


CHARLOTTE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$980
Male$975
Single$975
Married$982
Divorced$975
Widowed$975


Charlotte Auto Insurance by Credit Level


The variance between average car insurance premiums in Charlotte for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $210/year. Drivers can save around $81 per year when they boost their credit tier from Good (670-739) to Very Good (740-799).


CHARLOTTE CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Rate
Very Poor$1,156
Fair$1,127
Good$1,066
Very Good$985
Exceptional$946


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

110

Rainy Days a Year

42"

Avg. Annual Rainfall

4"

Avg. Annual Snowfall

Be Prepared For

Driving in Charlotte

2
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Find Local Charlotte Agents

Access Advantage Auto & Home Agency Inc.

103 West Morehead St. Charlotte, NC 28202

Express Insurance Service, Inc.

4016 Wilkinson Blvd Ste F Charlotte, NC 28208

Jim Boyce Insurance

4425 Randolph Rd, Suite 209 Charlotte, NC 28211

Hood, Hargett & Associates, Inc.

132 North McDowell Street Charlotte, NC 28204

Main Street Financial Group dba Main Street Insurance Group

221 W 11th St Charlotte, NC 28202

Hutch Ham Agency, Inc.

821 Baxter St Ste 312 Charlotte, NC 28202

Charles W. Lockhart Insurance Agency, Inc.

4412 Park Rd Charlotte, NC 28209

Senn Dunn

440 South Church St Ste 500 Charlotte, NC 28202

Hub International Southeast

1001 Morehead Square Dr Ste 400 Charlotte, NC 28203

Gause & Associates

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

Prestige Insurance Agency, Inc.

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

Litaker Insurance

2309 Randolph Road Charlotte, NC 28207

Lawing-Elvington Insurance Agency, Inc.

6132 Brookshire Blvd Ste B Charlotte, NC 28216

ISU Wes Connor Agency, Inc.

11301 Golf Links Dr N Charlotte, NC 28277

Allwood Insurance Group, Inc.

3611 Mount Holly Huntersville Rd Ste 205 Charlotte, NC 28216

Cantley Insurance & Financial Services

2101 Sardis Road North Charlotte, NC 28227

ECM Solutions

4000 Park Rd Charlotte, NC 28209

See All

Not sure about Charlotte

Check out these other North Carolina cities...

Raleigh

Greensboro

Durham

Winston-Salem

2

$800

The average Charlottean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

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128

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

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