The best car insurance in Charlotte, NC

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.

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.

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:

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

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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

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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.

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

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.