Cheap Car Insurance in Charlotte, NC

Written by Xuyun Zeng and 2 others
Updated Jan 3, 2025
Written by
Editors
Annie Millerbernd
Content Strategist
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Cheap Car Insurance in Charlotte, NC

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On This Page
  • Cheapest minimum coverage insurance in Charlotte
  • Cheapest full coverage insurance in Charlotte
  • Cheapest car insurance for young drivers in Charlotte (18-29 years old)
  • 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
  • Cheapest car insurance for drivers with at-fault accidents in Charlotte
  • Cheapest car insurance for drivers with a speeding ticket in Charlotte
  • Cheapest car insurance for drivers with DUIs in Charlotte
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Rush hour traffic, bottlenecks at I-77 or I-85 and complex interchanges can make driving in Charlotte a task. Add in toll lanes on I-77, flash floods and morning fog and having proper car insurance quickly becomes a must-have for locals.

To help drivers in Charlotte find the right car insurance coverage for them, 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 $30,000 coverage for bodily injury to one person, $60,000 for bodily injury to two or more people and 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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
$35 $422 Progressive 65 May 23, 2024 Charlotte, NC 28273
$40 $474 Progressive 30 July 21, 2024 Charlotte, NC 28214
$40 $484 Progressive 72 September 22, 2024 Charlotte, NC 28278
$42 $500 Progressive 56 November 4, 2024 Charlotte, NC 28205
$43 $512 Safeco 66 April 28, 2024 Charlotte, NC 28273
$46 $548 National General 26 November 25, 2024 Charlotte, NC 28269
$46 $548 National General 41 May 6, 2024 Charlotte, NC 28269
$46 $548 National General 21 November 8, 2024 Charlotte, NC 28269
$46 $548 National General 35 September 16, 2024 Charlotte, NC 28269
$46 $557 Progressive 24 February 20, 2024 Charlotte, NC 28206
Last Updated Jan 13, 2025

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

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Cheapest full coverage insurance in Charlotte

Full coverage in Charlotte 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.
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
$35 $422 Progressive 65 May 23, 2024 Charlotte, NC 28273
$42 $500 Progressive 56 November 4, 2024 Charlotte, NC 28205
$46 $548 National General 26 November 25, 2024 Charlotte, NC 28269
$48 $570 Progressive 25 December 26, 2024 Charlotte, NC 28203
$48 $572 National General 28 November 14, 2024 Charlotte, NC 28202
$50 $601 National General 38 May 25, 2024 Charlotte, NC 28210
$50 $601 National General 42 July 9, 2024 Charlotte, NC 28226
$50 $601 National General 42 July 13, 2024 Charlotte, NC 28226
$50 $602 Progressive 32 April 22, 2024 Charlotte, NC 28210
$51 $611 National General 40 December 19, 2024 Charlotte, NC 28216
Last Updated Jan, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$46 $548 National General 26 Yes November 25, 2024 Charlotte, NC 28269
$46 $548 National General 21 No November 8, 2024 Charlotte, NC 28269
$46 $557 Progressive 24 No February 20, 2024 Charlotte, NC 28206
$48 $570 Progressive 25 Yes December 26, 2024 Charlotte, NC 28203
$48 $572 National General 22 No July 23, 2024 Charlotte, NC 28277
Last Updated Jan 13, 2025

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

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$40 $474 Progressive 30 No July 21, 2024 Charlotte, NC 28214
$46 $548 National General 41 No May 6, 2024 Charlotte, NC 28269
$46 $548 National General 35 No September 16, 2024 Charlotte, NC 28269
$48 $572 National General 31 No November 12, 2024 Charlotte, NC 28269
$48 $572 National General 35 No September 19, 2024 Charlotte, NC 28269
Last Updated Jan 13, 2025

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

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$35 $422 Progressive 65 Yes May 23, 2024 Charlotte, NC 28273
$40 $484 Progressive 72 No September 22, 2024 Charlotte, NC 28278
$42 $500 Progressive 56 Yes November 4, 2024 Charlotte, NC 28205
$43 $512 Safeco 66 No April 28, 2024 Charlotte, NC 28273
$53 $639 Progressive 64 No January 8, 2025 Charlotte, NC 28269
Last Updated Jan 13, 2025

Cheapest car insurance for drivers with clean records in Charlotte

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Date of Policy
Has Full Coverage
City, State
Zip Code
$40 $474 Progressive July 21, 2024 No Charlotte, NC 28214
$40 $484 Progressive September 22, 2024 No Charlotte, NC 28278
$43 $512 Safeco April 28, 2024 No Charlotte, NC 28273
$46 $557 Progressive February 20, 2024 No Charlotte, NC 28206
$48 $570 Progressive December 26, 2024 Yes Charlotte, NC 28203
$48 $572 National General July 3, 2024 No Charlotte, NC 28277
$48 $572 Safeco December 8, 2024 No Charlotte, NC 28203
$48 $572 Safeco September 1, 2024 No Charlotte, NC 28202
$48 $572 National General November 12, 2024 No Charlotte, NC 28269
$50 $601 National General July 9, 2024 Yes Charlotte, NC 28226
Last Updated Jan, 2025

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.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
<550 $48 $572 National General 22 August 7, 2024 Charlotte, NC 28277
<550 $48 $572 National General 22 July 23, 2024 Charlotte, NC 28277
<550 $51 $618 Dairyland 25 November 24, 2024 Charlotte, NC 28269
<550 $51 $618 Dairyland 25 September 4, 2024 Charlotte, NC 28269
<550 $53 $639 Progressive 30 January 8, 2025 Charlotte, NC 28269
<550 $53 $639 Progressive 64 January 8, 2025 Charlotte, NC 28269
<550 $53 $642 Dairyland 22 March 4, 2024 Charlotte, NC 28269
<550 $54 $644 Dairyland 22 September 2, 2024 Charlotte, NC 28277
<550 $54 $644 Dairyland 22 September 2, 2024 Charlotte, NC 28277
<550 $56 $668 Progressive 59 December 29, 2024 Charlotte, NC 28269
Last Updated Jan 13, 2025

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.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
At Fault With Injury $35 $422 Progressive 65 Yes May 23, 2024 Charlotte, NC 28273
At Fault With No Injury $48 $572 National General 29 No October 17, 2024 Charlotte, NC 28211
At Fault With Injury $48 $572 National General 47 No August 4, 2024 Charlotte, NC 28210
At Fault With Injury $48 $572 National General 35 No September 19, 2024 Charlotte, NC 28269
At Fault With Injury $50 $600 Progressive 33 No August 6, 2024 Charlotte, NC 28269
Last Updated Jan 13, 2025

Cheapest car insurance for drivers with a speeding ticket in Charlotte

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
Speeding over 15 $46 $548 National General 21 November 8, 2024 Charlotte, NC 28269
Speeding under 15 $46 $548 National General 26 November 25, 2024 Charlotte, NC 28269
Speeding under 15 $48 $572 National General 47 August 4, 2024 Charlotte, NC 28210
Speeding over 15 $48 $574 Progressive 21 November 8, 2024 Charlotte, NC 28269
Speeding over 15 $50 $600 Progressive 33 August 6, 2024 Charlotte, NC 28269
Last Updated Jan 13, 2025

Cheapest car insurance for drivers with DUIs in Charlotte

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
DUI $53 $641 National General 34 January 7, 2025 Charlotte, NC 28204
DUI $114 $1,364 National General 41 December 7, 2024 Charlotte, NC 28262
DUI $162 $1,947 Safeco 34 January 7, 2025 Charlotte, NC 28204
DUI $365 $4,376 Progressive 49 July 26, 2024 Charlotte, NC 28269
DUI $405 $4,859 National General 59 July 8, 2024 Charlotte, NC 28210
Last Updated Jan 13, 2025

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

†For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.

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