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 AverageNational 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
CompanyAverage 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
AgeAverage 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 StatusAverage 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
IncidentAverage 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 ScoreAverage 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

2
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Find Local Charlotte Agents

Lawing-Elvington Insurance Agency, Inc.

6132 Brookshire Blvd Ste B, Charlotte, NC 28216

Allwood Insurance Group, Inc.

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

Gause & Associates

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

ISU Wes Connor Agency, Inc.

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

Prestige Insurance Agency, Inc.

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

Litaker Insurance

2309 Randolph Road, Charlotte, NC 28207

Charles W. Lockhart Insurance Agency, Inc.

4412 Park Rd, Charlotte, NC 28209

Access Advantage Auto & Home Agency Inc.

103 West Morehead St., Charlotte, NC 28202

Jim Boyce Insurance

4425 Randolph Rd, Suite 209, Charlotte, NC 28211

Main Street Financial Group dba Main Street Insurance Group

221 W 11th St, Charlotte, NC 28202

Hub International Southeast

1001 Morehead Square Dr Ste 400, Charlotte, NC 28203

Hood, Hargett & Associates, Inc.

132 North McDowell Street, Charlotte, NC 28204

ECM Solutions

4000 Park Rd, Charlotte, NC 28209

Senn Dunn

440 South Church St Ste 500, Charlotte, NC 28202

Cantley Insurance & Financial Services

2101 Sardis Road North Suite 108, Charlotte, NC 28227

Hutch Ham Agency, Inc.

821 Baxter St Ste 312, Charlotte, NC 28202

Express Insurance Service, Inc.

4016 Wilkinson Blvd Ste F, Charlotte, NC 28208

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

Revised

128

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

See How Much You Can Save in Charlotte

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Recent Questions:

Charlotte Car Insurance

Am I covered for the weekend if I replace my old vehicle with a new one

Most insurance companies give you 14 days to update the policy with the new vehicle and will cover the new vehicle for those 14 days. Every company is different so make sure to check with your insurance company to for the exact information.

Why was a hit and run listed as an at-fault accident on my insurance?

A hit and run can be considered at-fault for a few different reasons. First, you must have uninsured motorist property damage coverage for the accident to be listed as not-at-fault.

What to do when someone gets in a car accident in your car and has no DL?

You will definitely want to report the accident to your insurance company as soon as possible. They may cover the accident depending on whether or not you have a permissive use policy.

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

This can be a tricky question to answer. How a claim will impact your rate is specific to the coverage and company you have.