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

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

Litaker Insurance

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

Senn Dunn

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

ECM Solutions

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

See All

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The average Charlottean's annual cost of coverage


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Charlotte Car Insurance

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