The average Charlottean's annual cost of coverage


Our customer's average savings after comparing insurance


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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 Zip Codes

28277   28273   28270   28134   28105  

Cheap Zip Codes

28115   28213   28215   28227   28262  

Be Prepared For

Driving in Charlotte

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

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

Car Insurance Companies in Charlotte

Find Local Charlotte Agents

Lawing-Elvington Insurance Agency, Inc.

6132 Brookshire Blvd Ste B Charlotte, NC 28216

Prestige Insurance Agency, Inc.

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

Jim Boyce Insurance

4425 Randolph Rd, Suite 209 Charlotte, NC 28211

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Recent Questions:

Charlotte Car Insurance

If I’m a new driver in the US, how will that impact my rate?

Mar 03, 2017

I’m a new driver in the US but have 5 years of driving experience outside of the US, will that ...