Charlotte, NC Auto Insurance Rates

Charlotte, NC residents can save $420 by comparing multiple quotes & reading reviews & research on Charlotte car insurance rates, quotes, agents & coverage.

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LowestAverageHighest
$769 $1,042 $1,469

Latest Auto Insurance Reviews in Charlotte, North Carolina


State Farm
I would say that my overall experience with State farm is a solid 5. They have always had great customer service and taken care of my needs.
Travelers
The policies offered were good enough for what we needed them to be. Likewise, there was the bundle offer with our vehicles which made it a no brainer. The latter was definitely the reason to choose travelers.
Progressive
They premium is a bit high. I have a few accidents and prior my premium was comparable to other insurance companies, but now its more expensive and I have started looking for a different insurance carrier.
Allstate
The company is very steady and has been around forever. A true American icon.
Progressive
The company is easy to use. I enjoy being able to check my policy, pay my bill and print insurance cards online.
State Farm
I like that they are transparent and they seem to care a lot about people. They always have a good attitude as well.
Aaa
The premium definitely starts a lot lower than most other brands but does increase every 6 months. Their discounts keep prices lower but almost comparable to the competition. But the competition jumps up prices every 6 months.
Nationwide
I feel as though my premium is very good for what I have on my vehicle. I feel that compared to other companies it is actually low being that it is full coverage.
Metlife
They were very helpful and informative. They offered me a large selection of options and discounts.
Progressive
My policy covers everything i need as well as checked up every two months to make sure i have the coverage I need
State Farm
I think my insurance provider has the standard policy offerings that others offer
Write Your Review | Charlotte, North Carolina Auto Insurance Analysis
State Farm Auto Insurance, Charlotte, NC
$82/1 month
Car Insurance Policy Holder
  • Single 51 Years old Male licensed 1 year ago with Own Infiniti G37 X used for Commute to Work or School with estimated annual mileage of 20,001+.
  • Doctors & Full Time Job.
  • No accidents , Issued traffic ticket previously , No DUIs , Licence suspended previously.
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $30K (Per Person Bodily Injury) / $60K (Per Accident Bodily Injury)
  • 25 K Property Damage
  • 100 K Personal Injury Protection
  • 30 K Uninsured Motorists Bodily Injury
  • 60 K Uninsured Motorists Property Damage

Charlotte Car Insurance Rate Comparisons

Charlotte, NC's average car insurance of $1042 differs from Mint Hill, NC (+$448), McAdenville, NC (-$2), Matthews, NC (-$106) and North Carolina (+$43)

Charlotte Mint Hill, NC McAdenville, NC Matthews, NC North Carolina
Median Insurance Rates $1042 +$448 -$2 -$106 +$43

Charlotte Car Insurance Savings By Neighborhood & Street Area

Charlotte Driver Street Residence & Car Locations Car Details in Charlotte Charlotte Driver Demographics Charlotte Auto Insurance Estimates Recent Charlotte Insurance Savings
Hampshire Hills
Hartsell Pl2003 Buick Century Base48 year man$1,331$737
Fairmarket Pl2008 Mazda MAZDA3 i Sport17 year teenager$2,558$623
Virginia Manor
Friendly Pl2009 Ford Fusion SE37 year married man$1,294$539
Fireside Dr2008 Chrysler 300 LX17 year female teenager$2,455$742
Arlington
Greenhill St2011 Hyundai Sonata GLS66 year senior$1,265$851
Kraus Glen Dr2007 GMC Sierra 1500 Classic SLE240 year woman$915$639
Southbourne
Bonner Bridge Ct2012 Nissan Rogue S17 year male teenager$2,780$790
Everton Dr2007 Jeep Grand Cherokee Laredo51 year married woman$814$855
Selwyn Park
Wentworth Pl2011 Toyota Prius II62 year female senior$1,187$436
Valley Stream Rd2011 Audi A3 Premium65 year male senior$1,490$389

Charlotte Post DUI Car Insurance Rates

Charlotte Weddington McAdenville Indian Trail North Carolina
Median Post DUI Insurance Rate $1938 -$198 -$4 -$198 +$80
Male Teenager Post DUI Insurance Rate $5503 -$560 -$11 -$560 +$227
Female Teenager Post DUI Insurance Rate $4785 -$487 -$9 -$487 +$197

The Post DUI insurance in Charlotte, NC's is $1938 compared to Weddington (-$198), McAdenville (-$4), Indian Trail (-$198) and North Carolina (+$80)

In Charlotte, a male teenager with Post DUI pays $718 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2009 Ford Fusion SE in Charlotte, NC would pay $5101 on auto insurance while a female teenager POST DUI would pay $4437.

Charlotte Car Insurance by Segment

Charlotte Teenagers Car Insurance Rates Comparison

49059 Charlotte Teenagers (6% of total population), 51% Male & 49% Female.

Charlotte Marvin Mecklenburg County Township North Carolina
All Teenagers $2709 +$1139 -$473 +$73 +$112
Male Teenager $2959 +$1244 -$517 +$79 +$122
Female Teenager $2573 +$1082 -$449 +$69 +$106

Charlotte teenagers pay $2709 in insurance in contrast with Marvin (+$1139), Mecklenburg County (-$473), Township (+$73) and North Carolina (+$112). The difference between Male & Female teenagers in Charlotte is $386

Example

  • 2013 Honda Civic LX Male Teenager Insurance Rate $2,615
  • 2008 Cadillac DTS Base Female Teenager Insurance Rate $2,961

Charlotte Men & Women Car Insurance

740931 Charlotte Adults (100% of total population), 48% Men & 52% Women.

Charlotte Belmont Indian Trail Weddington North Carolina
All Women $1010 -$1 -$103 -$103 +$42
Married Women $948 -$1 -$97 -$97 +$39
All Men $1417 -$2 -$145 -$145 +$58
Married Men $1396 -$2 -$142 -$142 +$57

The typical insurance rate of $1417 that Charlotte Men pay varies from Belmont (-$2), Indian Trail (-$145), Weddington (-$145) and North Carolina (+$58). In Charlotte, married men pay $448 more than married women.

Example

  • 2014 Kia Sorento LX Married Men Insurance Rate $1,392
  • 2012 Lincoln MKZ Base Married Women Insurance Rate $1,444

Charlotte Senior Car Insurance

95244 Charlotte Seniors (12% of total population), 42% Senior Men & 58% Senior Women.

Charlotte Matthews Belmont Township North Carolina
All Seniors $1271 -$130 -$1 +$34 +$52
Senior Men $1271 -$130 -$1 +$34 +$52
Senior Women $1292 -$132 -$2 +$34 +$53

Charlotte seniors pay $1271 in insurance compared to Matthews (-$130), Belmont (-$1), Township (+$34) and North Carolina (+$52). In Charlotte, senior men pay $21 less than senior women.

Charlotte Car Insurance Discounts for Multiple Vehicles

Charlotte Population with 1 Vehicle 114585 (39% of Charlotte population), 2 Vehicles 112912 (39% of the Charlotte population) and 3 vehicles 32880 (11% of the population)

Charlotte Township Matthews Mecklenburg County North Carolina
2 Vehicles $1980 +$53 -$201 -$346 +$82
3 Vehicles $3022 +$81 -$307 -$528 +$125
4 Vehicles $4064 +$109 -$413 -$710 +$168

Car Insurance Agents in Charlotte, NC

Rank Agent Name Agent Contact
1 1st Rate Insurance Agency 7308 E Independence Blvd Ste C, Charlotte, NC 28227
2 AAA Carolinas 1740 Flat River Dr, Charlotte, NC
3 AAA Insurance 11338 N Community House Rd, Charlotte, NC 28277
4 AAA Insurance 13540 Steelecroft Pkwy, Charlotte, NC 28278
5 AAA Insurance 6600 Aaa Dr, Charlotte, NC 28212
6 AAA Insurance 4732 Sharon Rd, Charlotte, NC 28210
7 A & A Insurance Service 4801 S Tryon St, Charlotte, NC 28217
8 AA Insurance & Tax Service / Jeannie Thomas 4832 Park Rd Ste A, Charlotte, NC 28209
9 Absolute Insurance Group 5500 Executive Center Dr Ste 134, Charlotte, NC 28212
10 Access Advantage Auto & Home Agency 103 W Morehead St, Charlotte, NC 28202

Charlotte Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Toyota, 4Runner SR5 $400 $1,030 $1,430 $960 $1,360 $70
Volkswagen, Jetta SEL $1,000 $1,110 $1,610 $1,050 $2,050 $-440
Volkswagen, Eos 2.0T $200 $1,080 $1,280 $990 $1,190 $90
Volvo, S60 T6 $700 $1,100 $1,600 $1,010 $1,710 $-110
Subaru, Legacy 3.6R $100 $1,060 $1,160 $990 $1,090 $70