What's the Average Cost of Car Insurance in Charlotte?

Insurance isn't usually the first thing that comes to mind when you picture yourself on the open road. However, every driver in North Carolina is required to have at least basic minimums of property damage liability and bodily injury liability to stay protected in case of an accident. Luckily, North Carolina premiums are $628 lower than the national average, which is why the state is known for its economical rates.

While premiums in the city are also relatively low, it is always a good idea to see how your insurance company calculates what you pay to insure a vehicle in Charlotte. Plus, who doesn't want to try and save money? Check out some ways to help you find cheap car insurance in Charlotte.

City AverageState AverageNational Average

Charlotte Car Insurance by Age Bracket

Your age plays a big part in how your insurance premiums are determined. While there's really nothing you can do about your age (except wait), knowing how car insurance companies use it to calculate your rates is important. So, which age group is more likely to find cheap car insurance?

Perhaps unsurprisingly, car insurance premiums are highest for teenage drivers, with average payments of $2,497 per year. The most significant reduction in premiums between any age group is from the teenage age range to the 20s, as drivers in Charlotte start paying $1,524 less in premiums. Turning 60 triggers a rise in car insurance premiums, but up until that age drivers can anticipate premium reductions when they move between age groups. Among all age groups, drivers in their 70s have the smallest car insurance premiums, with rates of $973. People in their 50s and 60s have premiums that aren't much higher, with premiums of $1,010 and $1,021, respectively.

AgeAverage Rate

Charlotte Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Charlotte is dictated by several things, including gender and marital status. While being married (as opposed to single) doesn't drastically affect your premiums, it does save you a small amount on car insurance. On the other hand, widowed and divorced individuals pay the same as drivers who are single. Unfortunately for women, the cost of insuring a vehicle is normally slightly more costly than it is for men.

Marital Status/GenderAverage Rate

Charlotte Auto Insurance After Accidents or Violations

If you have a spotty driving history, you can expect your car insurance rates to rise. It's likely that your insurance company will see you as a liability if you have a number of accidents or other infractions on your record. But just how much can your driving record impact what you pay for your policy?

Many people may not realize how much an at-fault accident or violation can raise their car insurance rates. For instance, a DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Charlotte have rates over 4x the average for the city of $1,094. Reckless driving will also bump your premiums up, with typical rates of $2,019! The amount of damage caused by an accident plays a part in how significantly insurance rates will climb. For individuals in Charlotte with at-fault accidents in which damages exceeded $2,000, rates are an average of 20% more than at-fault accidents with damages less than $1,000. Keeping a clean driving record can help you in your search for cheap car insurance.

Violation/IncidentAverage Insurance Rate
Reckless Driving$2,019
At-fault Accident (damages less than $1,000)$1,524
At-fault Accident (damages greater than $2,000)$1,823
Speeding Ticket (16-20 mph over speed limit)$1,652

Charlotte Auto Insurance by Credit Level

If you have a less than stellar credit score, finding affordable car insurance may be a bit tricky. Your insurance company can use your credit rating when calculating what you'll pay for your policy. Car insurance companies have found a direct link between those with lower credit scores and the likelihood that they will file a claim. If your credit isn't shipshape, then you can expect your rates to climb. What difference can your credit history make in what you pay for vehicle coverage?

The variance between average car insurance premiums in Charlotte for those with Very Poor credit (300-579) and Exceptional credit (800-850) is $695 per year. Drivers will see the largest drop in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $493 per year. As such, keeping an eye on your credit score can be a big factor in finding cheaper car insurance.

Credit QualityAverage Rate
Very Poor$1,708
Very Good$1,060

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.


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Be Prepared For

Driving in Charlotte

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Find Local Charlotte Agents

Charles W. Lockhart Insurance Agency, Inc.

4412 Park Rd, Charlotte, NC 28209

ECM Solutions

4000 Park Rd, Charlotte, NC 28209

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

Main Street Financial Group dba Main Street Insurance Group

221 W 11th St, Charlotte, NC 28202

ISU Wes Connor Agency, Inc.

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

Express Insurance Service, Inc.

4016 Wilkinson Blvd Ste F, Charlotte, NC 28208

Senn Dunn

440 South Church St Ste 500, Charlotte, NC 28202

Hutch Ham Agency, Inc.

821 Baxter St Ste 312, Charlotte, NC 28202

Gause & Associates

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

Access Advantage Auto & Home Agency Inc.

103 West Morehead St., Charlotte, NC 28202

Litaker Insurance

2309 Randolph Road, Charlotte, NC 28207

Cantley Insurance & Financial Services

2101 Sardis Road North Suite 108, Charlotte, NC 28227

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

Jim Boyce Insurance

4425 Randolph Rd, Suite 209, Charlotte, NC 28211

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The average Charlottean's annual cost of coverage



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

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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.