Car Insurance in Charlotte
Premiums in Charlotte, which are $110 higher than North Carolina's average, are known for being pricey. Therefore understanding premium costs while insuring a vehicle in Charlotte is critical. Who doesn't like to save money? Check out some ways to save on car insurance in Charlotte.
- City Average: $975
- State Average: $865
- National Average: $1,427
Charlotte Car Insurance by Age
The largest decline in premiums between any age group is from the teenage age range to the 20s, as drivers in Charlotte start saving 54% annually. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. With average rates of $2,182, teenage drivers pay the most in car insurance premiums. At $954, drivers in their 50s have the smallest insurance payments among any age group. People in their 40s ($963) and 60s ($973) also have relatively low premiums.
- Teenagers: $2,182
- 20s: $998
- 30s: $974
- 40s: $963
- 50s: $954
- 60s: $973
- 70s: $1,019
Charlotte Car Insurance by Credit Rating
The disparity between average car insurance premiums in Charlotte for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $210 a year. Drivers can save around 8% per year when they upgrade their credit tier from Good (670-739) to Very Good (740-799).
- Very Poor: $1,156
- Fair: $1,127
- Good: $1,066
- Very Good: $985
- Exceptional: $946
Charlotte Car Insurance by Accident or Violation History
Do you realize the impact an accident or violation can have on your car insurance rates? Drivers with a DUI in Charlotte have rates nearly double the average for the city ($975). Reckless driving will also drive your rates up, with typical rates of $4,121, which are 323% higher than the city average! Insurance rates are affected by at-fault accident history, and more specifically, by how much damage resulted from the accidents. When comparing premiums for drivers with at-fault accidents in Charlotte, those with damages exceeding $2,000 pay $142 more than those with damages less than $1,000.
- DUI: $1,897
- Reckless Driving: $4,121
- At-fault Accident (damages less than $1000): $1,345
- At-fault Accident (damages greater than $2000): $1,487
- Speeding Ticket (16-20 mph over speed limit): $1,461
Charlotte Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Charlotte is determined by several factors, including gender and marital status. While being single (as opposed to married) doesn't drastically change your premiums, it does save you a small amount on car insurance. In contrast, divorced and widowed individuals pay the same as drivers who are single. The amount by which men's and women's car insurance premiums differ is trivial.
- Female: $980
- Male: $975
- Single: $975
- Married: $982
- Divorced: $975
- Widowed: $975
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Charlotte Agents
2309 Randolph Road Charlotte, NC 28207
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 Charlotte, NC 28277
440 South Church St Ste 500 Charlotte, NC 28202
Hub International Southeast
1001 Morehead Square Dr Ste 400 Charlotte, NC 28203
Access Advantage Auto & Home Agency Inc.
103 West Morehead St. Charlotte, NC 28202
Charles W. Lockhart Insurance Agency, Inc.
4412 Park Rd Charlotte, NC 28209
Express Insurance Service, Inc.
4016 Wilkinson Blvd Ste F Charlotte, NC 28208
Cantley Insurance & Financial Services
2101 Sardis Road North Charlotte, NC 28227
Lawing-Elvington Insurance Agency, Inc.
6132 Brookshire Blvd Ste B Charlotte, NC 28216
Hood, Hargett & Associates, Inc.
132 North McDowell Street Charlotte, NC 28204
Hutch Ham Agency, Inc.
821 Baxter St Ste 312 Charlotte, NC 28202
Allwood Insurance Group, Inc.
3611 Mount Holly Huntersville Rd Ste 205 Charlotte, NC 28216
Prestige Insurance Agency, Inc.
2331 Crown Point Executive Dr., Ste. E Charlotte, NC 28227
4000 Park Rd Charlotte, NC 28209
Jim Boyce Insurance
4425 Randolph Rd, Suite 209 Charlotte, NC 28211
Gause & Associates
5005 West W.T. Harris Blvd Ste G Charlotte, NC 28269
The average Charlottean's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Charlotte
Click below to get free quotes in seconds!Start Saving Now!
Charlotte Car Insurance
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Help, My Car is a Lemon!
Sep 20, 2016
You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...
What Cars Do Olympic Athletes Drive?
Aug 12, 2016
The Olympics are in full swing now in Rio, and many famous names grace the screen, setting gold medal records...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Are Vehicle Inspections Really About Safety?
Jul 18, 2016
The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
Ridesharing’s Unexpected Danger? Aggressive Passengers
Mar 02, 2016
When ridesharing first came on the scene, potential customers wondered if they’d be safe: the idea of getting in a...
Texting and Driving and Car Insurance! Oh My!
Nov 05, 2015
That texting and driving is dangerous isn’t news to anyone—the dangers of distracted driving are well documented, and texting is...
The 10 Most Car-Friendly Colleges in the U.S.
Aug 17, 2015
As we’ve detailed before, and as any driver already knows, car ownership is expensive. The annual cost to own and...
10 Places It’s Cheap to Own a Car Right Now
Jun 08, 2015
Quoted wondered: In which of our 50 beautiful states is it the least expensive to own a car? We combined...