Rush hour traffic, bottlenecks at Interstate 77 or Interstate 85 and complex interchanges can make driving in Charlotte a task. Add in toll lanes, flash floods and morning fog, and having proper car insurance quickly becomes a must-have for locals.

To help drivers in Charlotte find the most affordable car insurance coverage, we’ve collected real policy quotes from our local customers to show you how rates and pricing can vary depending on factors such as your driving record, your age, your location and what type of coverage you need.

Cheapest minimum coverage insurance in Charlotte

Per state law, North Carolina drivers must have these minimum coverages:

• $30,000 coverage for bodily injury to one person.
• $60,000 for bodily injury to two or more people.
• Property damage coverage of $25,000.

In North Carolina’s largest city, here are some quotes that Jerry customers have received for state minimum coverage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Charlotte

Full coverage car insurance includes state minimum coverage and additional insurance for your vehicle (collision and comprehensive). Here’s a breakdown of what these types of insurances cover:

• Collision coverage pays the cost of repairing your vehicle after an accident, regardless of who is at fault.
• Comprehensive coverage helps pay the cost of vehicle damage caused by non-collision events such as weather-related incidents, animal collisions, or theft.

Cheapest car insurance for young drivers in Charlotte (18-29 years old)

Here are some of the cheapest rates Charlotte drivers between 18 and 29 years have been quoted via Jerry.

Cheapest car insurance for mature drivers in Charlotte (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Charlotte

Cheapest car insurance for drivers with low credit scores in Charlotte

A credit score below 550 can lead to a higher car insurance rate, meaning you may have to do some extra cost comparing to find the best rate. Here are real quotes from Jerry customers in Charlotte with a score below 550.

Cheapest car insurance for drivers with at-fault accidents in Charlotte

Here are some of the cheapest quotes for drivers in Charlotte with an at-fault accident on their record, based on real Jerry quotes.

Cheapest car insurance for drivers with a speeding ticket in Charlotte

Cheapest car insurance for drivers with DUIs in Charlotte

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.