The best car insurance in Charlotte, NC

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Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Ian Bloom, CFP®, RLP®

Ian Bloom, CFP®, RLP®

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Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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The average cost of full coverage car insurance in Charlotte, North Carolina, is $1,179 a year. This comes in $170 above the state's average of $1,009. Neither of these numbers guarantee your rates, however. Individual rates vary from driver to driver and depend on a number of personal factors, like age, address, credit score, and past driving history.

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Ready to start shopping? Policygenius can show you options from top car insurance companies so you can be sure you’re making the right choice.

Key takeaways

  • GEICO has the lowest average rate for full coverage car insurance in Charlotte at $775 per year.

  • 28202 is the Charlotte ZIP code that offers the cheapest average full coverage cost insurance in Charlotte at $1,065 a year.

  • North Carolina requires a minimum of $30,000 per person/$60,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage.

  • Uninsured/underinsured motorist coverage is also required in North Carolina.

Cheapest car insurance companies in Charlotte, NC

A single driver can get multiple quotes for the same coverage that differ by hundreds of dollars, which is why it's so important to shop around before choosing a policy. Here are the cheapest car insurance companies in Charlotte:

Company

Average cost

JD Power Rating

GEICO

$775

871

Erie

$913

880

North Carolina Farm Bureau

$919

--

Utica National

$955

--

State Farm

$1,062

881

Cheapest car insurance rates by ZIP code in Charlotte, NC

Where you live in Charlotte will determine how much the car insurance company will charge for coverage. Insurers consider population, crime levels, frequency of traffic accidents or incidents, and even amount of available off-street parking.

ZIP code

Average cost

28202

$1,065

28203

$1,073

28204

$1,082

28205

$1,405

28206

$1,407

28207

$1,076

28208

$1,400

28209

$1,066

28210

$1,065

28211

$1,073

28212

$1,410

28213

$1,384

28214

$1,135

28215

$1,381

28216

$1,372

28217

$1,399

28226

$1,069

28227

$1,103

28244

$1,095

28246

$1,098

28254

$1,390

28262

$1,389

28269

$1,018

28270

$1,069

28273

$1,147

28274

$1,099

28277

$1,056

28278

$1,144

28280

$1,108

28281

$1,087

28282

$1,099

28284

$1,107

28285

$1,107

28287

$1,099

Choosing the right car insurance company in Charlotte, NC

Finding the right car insurance at an affordable price can seem complicated, so it's important to consider the most important factors to you and compare all your options.

  • Cost: Different companies charge different rates for similar coverage, so it's important to compare quotes from multiple car insurance companies to find the best rate

  • Coverage: Make sure the company you choose offers the coverage you need. Remember, the higher you set your limits, the better protected you’ll be 

  • Customer service: Do a little research on the insurance company itself. Read customer reviews and check claims satisfaction ratings to see how the companies stack up

Ready to start shopping? Policygenius can show you options from top car insurance companies so you can be sure you’re making the right choice.

Car insurance rates for drivers with driving violations in Charlotte, NC

How safely you drive can also play a major role in current and future car insurance rates. If a driver has a history of driving issues and insurance claims, it can affect the driver’s car insurance rates. Some violations are more costly than others, depending on the severity.

Violation

GEICO

Erie

North Carolina Farm Bureau

Utica National

State Farm

At-fault accident

$2,116

$987

$1,576

$1,878

$1,951

DUI

$5,755

$4,179

$3,954

$5,623

$5,028

Suspended license

$3,512

$2,864

$2,721

$3,739

$3,059

Open container

$1,428

$1,363

$1,312

$1,388

$1,596

Expired registration

$1,428

$1,363

$1,312

$1,388

$1,451

Driving without lights

$1,428

$1,363

$1,312

$1,388

$1,451

Not showing documents

$1,428

$1,363

$1,312

$1,388

$1,451

Running a red light

$1,428

$1,363

$1,312

$1,388

$1,596

Failure to yield

$1,428

$1,363

$1,312

$1,388

$1,596

Following too closely

$1,587

$1,504

$1,445

$1,582

$1,773

Hit and run

$5,517

$4,179

$6,085

$5,414

$5,028

Illegal turn

$1,428

$1,363

$1,312

$1,388

$1,596

Improper passing

$1,587

$1,504

$1,445

$1,388

$1,773

Not-at-fault accident

$794

$940

$960

$1,099

$1,129

Passing a school bus

$2,053

$1,832

$1,752

$2,245

$2,069

Racing

$5,755

$4,179

$6,085

$5,414

$5,028

Reckless driving

$2,346

$1,832

$1,752

$2,245

$2,069

Speeding

$1,587

$1,504

$1,445

$1,205

$1,773

Cheapest car insurance for drivers with bad credit in Charlotte, NC

Your credit score can also impact car insurance rates: the lower a driver's credit score, the higher their insurance rates, but a high credit score may help lower your rates, so be sure to reshop your car insurance coverage whenever your finances improve.

Company

Rates for drivers with bad credit

National General

$1,155

Erie

$1,261

Utica National

$1,264

GEICO

$1,288

MetLife

$1,355

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Buying car insurance in Charlotte, NC

Drivers in every North Carolina are required to abide by the minimum state requirements for car insurance requirements. If you live in Charlotte, be sure to have at least the following levels of coverage:

  • Bodily injury liability coverage per person: $30,000

  • Bodily injury liability coverage per accident: $60,000

  • Property damage liability coverage: $25,000

  • Uninsured/underinsured motorist coverage: Must match highest bodily injury liability minimum ($60,000 per accident)

North Carolina is a at-fault state, so the responsibility for covering damages in an accident falls on the driver who caused the accident, including the other party’s medical bills and repair costs. Make sure you have enough coverage so you’re not paying out an expensive liability.

How to get cheap car insurance in Charlotte, NC

If the cost of your car insurance is too expensive, then consider some of these tips to make sure you’re getting the most affordable coverage possible:

  • Ask about discounts and bundles options

  • Carry minimum coverage on older cars

  • Drive safely and avoid moving violations

  • Review your car insurance every year to make sure you’re still getting the best rates

  • Reshop your car insurance whenever your policy is up for renewal to make sure you’re getting the best rates

Frequently asked questions

How much is car insurance a month in North Carolina?

The average cost of car insurance in North Carolina is $1,009 per year, which breaks down to $84.08 per month. Drivers in Charlotte pay an average of $98.25 per month, which is $14.17 higher than the state average.

Is North Carolina a no-fault state?

No, North Carolina is an at-fault state, which means the driver who is at fault for an accident is responsible for the bodily injury and property damage costs associated with the accident, whether or not they have enough insurance to cover those costs.

What kind of driving violations have the biggest impact on car insurance rates in NC?

Violations that involve alcohol or other substances often have the biggest impact on insurance rates. Having a DUI/DWI on your motor vehicle record can significantly increase your rates.

Is car insurance expensive in North Carolina?

No. In fact, at $1009 per year, North Carolina has the lowest average car insurance rates in the nation.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Freelance contributor

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

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Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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