Charlotte Car Insurance

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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

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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

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

Find Local Charlotte Agents

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

Hub International Southeast

1001 Morehead Square Dr Ste 400 Charlotte, NC 28203

Prestige Insurance Agency, Inc.

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

Express Insurance Service, Inc.

4016 Wilkinson Blvd Ste F Charlotte, NC 28208

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

Gause & Associates

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

Litaker Insurance

2309 Randolph Road Charlotte, NC 28207

Allwood Insurance Group, Inc.

3611 Mount Holly Huntersville Rd Ste 205 Charlotte, NC 28216

Hutch Ham Agency, Inc.

821 Baxter St Ste 312 Charlotte, NC 28202

ECM Solutions

4000 Park Rd Charlotte, NC 28209

Cantley Insurance & Financial Services

2101 Sardis Road North Charlotte, NC 28227

Charles W. Lockhart Insurance Agency, Inc.

4412 Park Rd Charlotte, NC 28209

Hood, Hargett & Associates, Inc.

132 North McDowell Street Charlotte, NC 28204

Access Advantage Auto & Home Agency Inc.

103 West Morehead St. Charlotte, NC 28202

Senn Dunn

440 South Church St Ste 500 Charlotte, NC 28202

See All

Not sure about Charlotte

Check out these other North Carolina cities...

Raleigh

Greensboro

Durham

Winston-Salem

$800

The average Charlottean's annual cost of coverage

40%

Our customer's average savings after comparing insurance

128

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

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Additional Resources:

Charlotte Car Insurance

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