Cheapest Car Insurance Quotes in Charlotte

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401,895 Policies Sold

Charlotte Car Insurance

^$ 36

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Charlotte

The car insurance rate in Charlotte is $1091 for a six-month policy, which is $189 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $489, making it a popular choice for budget-conscious drivers. Rates in Charlotte can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Charlotte

$1091

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Charlotte

1st place: Erie

At $489 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $582 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $668 for six months, making it the third cheapest auto insurance company in Charlotte.

Charlotte Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Charlotte, NC is Erie, offering policies at just $489 for a six-month term. This is followed by Progressive, which has an average six-month premium of $582.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1394 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Charlotte drivers find the best deals.

Cheap Car Insurance Companies in Charlotte, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$489	$82
Progressive	$582	$98
State Farm	$668	$113
North Carolina Farm Bureau	$790	$133
Nationwide	$1027	$173
Farm Bureau	$1352	$230
Farmers	$1379	$230
Kemper	$1516	$258
Allstate	$1725	$290
Penn National	$1394	$232

Key Takeaways

Way's key takeaways about car insurance in Charlotte

The auto insurance costs in Charlotte fall around $489 for six months.
The cheapest auto insurance company in Charlotte is Erie.
Teen drivers pay the highest rate in Charlotte at $74 per month.

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Cheapest Minimum Liability Car Insurance in Charlotte

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Charlotte are given below.

Erie provides the cheapest minimum car insurance coverage in Charlotte. Their Average 6 Month Premium is $215. National Farmers Union Insurance is the most expensive at $374 for the same period.

Cheapest Liability Coverage in Charlotte, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$215	$36
State Farm	$295	$50
Progressive	$309	$52
North Carolina Farm Bureau	$338	$57
Nationwide	$424	$71
National General	$438	$73
Penn National	$474	$81
Farm Bureau	$690	$115
Allstate	$755	$127
National Farmers Union Insurance	$374	$62

Cheapest Full Coverage Car Insurance in Charlotte

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Charlotte is Erie at $82 per month and $489 for six months.

Cheapest Full Coverage Car Insurance Quotes in Charlotte, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$489	$82
Progressive	$582	$98
State Farm	$668	$113
North Carolina Farm Bureau	$790	$133
Nationwide	$1027	$173
Farm Bureau	$1352	$230
Farmers	$1379	$230
Kemper	$1516	$258
Allstate	$1725	$290
Penn National	$1394	$232

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Average Car Insurance in Charlotte by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Charlotte, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Charlotte, North Carolina, may be increasing due to several external factors. North Carolina has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Charlotte's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Charlotte

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	North Carolina Farm Bureau	$492
30s	North Carolina Farm Bureau	$492
40s	North Carolina Farm Bureau	$492
50s	North Carolina Farm Bureau	$492
60s	North Carolina Farm Bureau	$492
70s	North Carolina Farm Bureau	$492

Cheapest Car Insurance Rates for Teen Drivers in Charlotte,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Charlotte at $106 per month. At $431 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$633	$106
State Farm	$819	$138
Erie	$826	$139
North Carolina Farm Bureau	$1445	$243
Nationwide	$3127	$522
Allstate	$3780	$643
Penn National	$417	$69
National General	$431	$74

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Charlotte.

As young drivers face the highest rates in Charlotte, North Carolina Farm Bureau offers the cheapest auto insurance rates at $492 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Charlotte, North Carolina Farm Bureau is the cheapest car insurance provider. At $215 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Charlotte is Allstate, offering rates of around $3802 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$215	$36
National General	$374	$62
Progressive	$403	$68
Erie	$467	$79
Nationwide	$927	$156
State Farm	$1596	$269
Farm Bureau	$1826	$311
Allstate	$3802	$634

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Car Insurance Rates with An Accident in Charlotte

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Charlotte, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Charlotte

The cheapest car insurance companies after an at-fault accident in Charlotte include Progressive and Erie, offering $611 and $618, respectively. Farmers is an expensive provider with an average six-month premium of $640.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$611	$103
Erie	$618	$104
State Farm	$690	$116
North Carolina Farm Bureau	$949	$160
Nationwide	$1704	$287
Farm Bureau	$2149	$365
Allstate	$3249	$547
Penn National	$597	$102
Farmers	$640	$106

Charlotte Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Charlotte NC. For example, the car insurance in Charlotte after a DUI increases to $2236 for a six month policy. While the rate increases by $266 for a six-month policy in the case of a speeding ticket.

Charlotte auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$690	$115
One Med/PIP claim	$690	$117
Not-at-fault accident	$697	$116
One comp claim	$711	$121
Two Med/PIP claims	$711	$119
Two comp claims	$733	$125
Failure to show documents	$812	$136
Child safety restraint	$899	$152
Driving without lights	$899	$150
Failure to wear a seat belt	$899	$152
Cell phone violation	$949	$159
Texting while driving	$949	$161
Speeding 6 - 10 MPH over limit	$956	$160
Driving with expired registration	$963	$163
Driving too slowly	$978	$163
Failure to stop at a red light	$978	$166
Failure to yield	$978	$163
Illegal turn	$978	$166
Open container	$978	$163
Operating a vehicle without permission	$978	$166
Wrong way/wrong lane	$978	$163
Speeding in school zone	$985	$167
At-fault accident - $1000-$2000	$992	$166
At-fault accident - less than $1000	$992	$168
In 65 MPH zone	$1049	$175
Speeding 11 - 15 MPH over limit	$1049	$178
Speeding 16 - 20 MPH over limit	$1049	$175
Speeding 21 - 25 MPH over limit	$1049	$178
Improper passing	$1071	$179
Following too closely	$1078	$184
At-fault accident - greater than $2000	$1157	$192
Passing school bus	$1315	$224
Reckless driving	$1330	$221
Driving with a suspended license	$2056	$350
Leaving scene of an accident/hit and run	$2889	$482
Refusal to submit to a chemical test	$2919	$496
DUI	$2926	$488
Racing	$2975	$506

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Charlotte after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Charlotte.

The cheapest car insurance premiums in Charlotte are offered by National General at $496 for a six-month policy. However, it can be as expensive as $1646 with companies like Farmers.

Charlotte car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$496	$85
Progressive	$1596	$269
State Farm	$1775	$299
Erie	$1883	$317
Nationwide	$3530	$594
North Carolina Farm Bureau	$3895	$656
Allstate	$7489	$1261
Farm Bureau	$8043	$1341
Farmers	$1646	$275

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Charlotte are offered by North Carolina Farm Bureau at $230. However, it can be as expensive as $2508 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Charlotte after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$230	$39
National General	$482	$82
Erie	$489	$82
State Farm	$525	$88
Progressive	$546	$92
Nationwide	$985	$166
Farm Bureau	$1804	$300
Allstate	$2508	$426

Car Insurance Price Trends in Charlotte, North Carolina

Car insurance rates in Charlotte have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Charlotte remained steady at $138 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Charlotte remained steady at $67 in both January and December, indicating no change over the two month period.

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Average Car Insurance Cost in Charlotte by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Charlotte. At $1124 for a six-month policy, insuring your car at 28217 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
28217	$1124	$189
28206	$1102	$185
28207	$1102	$185
28226	$1135	$191
28215	$1156	$194
28204	$1091	$183
28205	$1145	$193
28227	$1156	$194
28216	$1145	$193
28208	$1135	$191
28209	$1113	$187
28210	$1145	$193
28273	$1135	$191
28262	$1135	$191
28202	$1102	$185
28213	$1135	$191
28203	$1102	$185
28269	$1178	$198
28214	$1135	$191
28277	$1167	$196
28211	$1124	$189
28278	$1124	$189
28212	$1145	$193
28270	$1124	$189

Frequently Asked Questions

How much is car insurance in Charlotte?

The car insurance in Charlotte is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Charlotte?

The cheapest car insurance in Charlotte is $82 per month for full coverage.

How much is car insurance in Charlotte for teenagers?

Car insurance for teenagers costs $633 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Charlotte?

The average cost of car insurance is $902 for a six-month policy. It will cost around $184 per month to insure your car in Charlotte.

Is car insurance expensive in Charlotte?

Car insurance can be expensive in Charlotte if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Charlotte can be affordable.

Cheapest Car Insurance Quotes in Charlotte

Why you can trust Way?

How Much Is Car Insurance in Charlotte

Avg. Car Insurance in Charlotte

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Charlotte

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Charlotte Car Insurance Rates by Company

Cheap Car Insurance Companies in Charlotte, NC

Way's key takeaways about car insurance in Charlotte

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Charlotte

Cheapest Liability Coverage in Charlotte, NC

Cheapest Full Coverage Car Insurance in Charlotte

Cheapest Full Coverage Car Insurance Quotes in Charlotte, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Charlotte by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Charlotte, NC increasing?

Car Insurance Premiums by Age in Charlotte

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Charlotte,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Charlotte.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Charlotte

Cheapest Car Insurance Companies after an At-Fault Accident in Charlotte

Charlotte Car Insurance Rates by Violation

Charlotte auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Charlotte after a DUI

Charlotte car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Charlotte after Speeding ticket

Car Insurance Price Trends in Charlotte, North Carolina

Average Car Insurance Cost in Charlotte by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Charlotte, NC

Car Insurance Rates by State in the USA (2025 Update)

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