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

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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

Because of the many factors insurers use to assess risk, different drivers often pay different rates for the same coverage, and a single driver can get multiple quotes for the same coverage that differ by hundreds of dollars. For that reason, you should always shop around for the best car insurance rates when buying or renewing your coverage.


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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.

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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.




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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.


Rates for drivers with bad credit

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Utica National






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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.


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.