Cheap Car Insurance Quotes in Charlotte, North Carolina (2025)

The overall cost of car insurance in Charlotte is $94 per month — higher than the statewide monthly average of $75.

Charlotte is North Carolina’s biggest city by population, having grown by more than 23,000 new residents since 2020, according to U.S. Census Bureau data. Its population size and rapid commercial and residential growth likely contribute to its higher car insurance rates.

Charlotte also had the most accidents in the state in 2022, with 118,588 recorded accidents, according to North Carolina Department of Transportation data. Of those, 351 were fatal.^[1]

But drivers in the Queen City can still find affordable car insurance. Here’s what you need to know to navigate the Charlotte car insurance market.

How much is car insurance in Charlotte, NC?

Charlotte drivers pay higher car insurance rates than the overall North Carolina average, but Charlotte rates fall below the national average. In the table below, you can see how Charlotte car insurance costs compare.

	Full Coverage	Liability Only
Charlotte	$111	$77
North Carolina	$89	$61
National average	$192	$107

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance companies in Charlotte

No single car insurance company is the cheapest for everyone since so many factors affect your rates. Check out some of the cheapest car insurance companies for Charlotte drivers in the table below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Nationwide	$85	$76
Erie	$85	$76
GEICO	$98	$93
Travelers	$108	$97
Progressive	$112	$74
Allstate	$117	$104
Direct Auto	$118	$78
National General	$123	$80
State Farm	$140	$125
Safeco	$145	$81
Liberty Mutual	$165	$80
Dairyland	$197	$85

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance companies in Charlotte 

The best car insurance companies in Charlotte depend on your coverage needs and driving history. You can find the right auto insurance coverage for your needs by comparing quotes from multiple insurers.

Start your search with the insurers below.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Travelers	8.5	$78	$70	Coverage options
Erie	8.4	$62	$55	Customer satisfaction
Direct Auto	8.3	$94	$62	High-risk drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for coverage options: Travelers

coverage options

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User Reviews	4.7 474 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$97/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$108/mo

Hide Details

Driver Reviews

4.7

Best choiceBased on 911 verified guest reviews and ratings

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best For

Numerous discounts

Gap insurance

Rideshare coverage

Reviews (474)

Vanessa

Verified Review

Travelers Ins. Is the Best

Reviewed in Maryland on July 2025

I don’t think you could find a better company for your auto insurance. Their staff is very efficient and cordial.

John

Verified Review

Good option

Reviewed in Massachusetts on July 2025

Good prices and coverage. Prices have increased, and the replacement costs have increased. I have a disappearing deductible, but it comes at a cost.

Robert

Verified Review

Travelers is a good company

Reviewed in California on July 2025

Solid service and coverage with fine service. Nothing to be concerned about.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

616

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Travelers was founded in 1864 and issued its first auto insurance policy in 1897, making it the first auto insurer in the United States. The company is one of the largest insurers in the country, offering affordable rates and robust coverage options.

Pros

• Wide array of optional coverages, including gap insurance, roadside assistance, and rental coverage

• Many available discounts, including multi-policy, multi-car, continuous insurance, good driver, and more

Cons

• Below-average customer satisfaction score, according to the J.D. Power 2023 U.S. Auto Insurance Study

• Rideshare insurance not available

Best insurer for customer satisfaction: Erie

Customer satisfaction

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User Reviews	4.0 189 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$76/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$85/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 358 verified guest reviews and ratings

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best For

High customer satisfaction

Competitive rates

Optional coverages

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best For

High customer satisfaction

Competitive rates

Optional coverages

Reviews (189)

Dudley

Verified Review

My rate goes up every year

Reviewed in Pennsylvania on July 2025

My rate goes up every year, even though there have been no claims in the past 3 years. Also, my wife and I are over 70.

John

Verified Review

Erie Insurance is Amazing

Reviewed in Tennessee on July 2025

Erie Insurance and Summit Agency are wonderful companies. Ask them for the best rates.

Lori

Verified Review

Erie

Reviewed in Maryland on July 2025

My car insurance rates have gone up again. I also have my homeowners insurance with them, and that is poor, especially with the handling of claims.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

700

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Nearly 100 years old, Erie is a reliable and affordable super-regional auto insurer. J.D. Power’s 2023 U.S. Auto Insurance Study ranked Erie among the best for customer satisfaction in the Southeast region.

Pros

• Erie Rate Lock feature allows for consistent premium costs

• Accident forgiveness and diminishing deductibles available

Cons

• Mixed reviews and a 2.7 star rating on Trustpilot

• No usage-based insurance premiums

Best insurer for high-risk drivers: Direct Auto

High-risk drivers

Compare Quotes

A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).	A
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$78/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$118/mo

Show Details

Driver Reviews

How drivers feel about Direct Auto

Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.

AI-generated from the text of verified reviews collected by Insurify

Best For

High-risk drivers

Ample discounts

24/7 claims support

How drivers feel about Direct Auto

Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.

AI-generated from the text of verified reviews collected by Insurify

Best For

High-risk drivers

Ample discounts

24/7 claims support

Reviews (358)

Robyn

Verified Review

Money Hungry

Reviewed in Alabama on July 2025

Do not go with DirectAuto. Each policy renewal, they raise rates despite you having no accidents or claims. They will not provide an explanation.

Mary

Verified Review

Don't trust Direct Auto

Reviewed in Illinois on July 2025

I paid for 12 months in full in March 2023. On October 13, 2023, my 2002 Cavalier was rear-ended by a 16-wheeler in a hit-and-run, totaling my car. Direct Auto gave me a claim number and then said neither I nor my car was covered. They didn't pay me my balance nor fix my car.

Steven

Verified Review

Misleading Online Quote

Reviewed in Florida on July 2025

I was quoted online for insurance at $29 a month, but it's actually a lot higher. You misinform potential customers regarding your rates.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Drivers in the Southeast who other insurers have turned down can access non-standard policies from Direct Auto. Since 1991, this Nashville-based insurer has offered affordable policies to drivers with adverse driving histories.

Pros

• Offers affordable insurance to higher-risk drivers

• Flexible payment options, including choice of payment date and schedule and choice of paying online, in person, or on the phone

Cons

• No homeowners insurance, a common product to bundle with auto insurance

• Much higher than average number of complaints in the National Association of Insurance Commissioners complaint index

How to get the cheapest car insurance in Charlotte

Getting the cheapest car insurance in Charlotte will depend on your specific situation. Insurers determine your premium costs based on a number of factors, including your driving record, the age, make, and model of your car, your annual mileage, and the level of coverage you choose.

You have several ways to reduce your auto insurance costs to make sure you’re getting the best coverage at the right price:

• Drive safely. The most effective way to keep your car insurance costs low is to maintain a clean driving record.

• Compare quotes. Each insurance company uses its own calculations to determine your rates. Comparing quotes from multiple companies can help you find the best price.

• Take advantage of discounts. Discounts are a common way for insurance companies to entice and keep their customers. You may be able to get a discount by bundling your auto and home insurance, paying in advance, driving fewer miles than average, or driving a car with anti-theft devices.

• Raise your deductible. Your insurance company will lower your rates if you increase your collision and comprehensive deductibles. If you feel confident about your ability to pay a higher deductible, this can be an easy way to reduce your insurance costs.

Car insurance requirements in North Carolina

North Carolina is an at-fault state, which means insurers determine who’s at fault in causing an accident. In other words, if you cause an accident, your insurance will pay to repair property damage and cover medical costs for the other party.

North Carolina also follows the pure contributory negligence rule, which specifies that a person even 1% at fault for an accident can’t sue for damages. 

Finally, all drivers in the Tar Heel State must also carry uninsured/underinsured motorist coverage, which pays out if a driver without insurance causes an accident that damages your car or causes an injury. The minimum requirement in North Carolina is for a driver’s uninsured motorist coverage to equal their policy’s bodily injury limit, but the coverage can’t exceed $1 million.^[2]

The specific bodily injury and property damage coverage limits required in the state increase on July 1, 2025. The table below reflects the change in requirements:

Coverage	Current Coverage Limits	Coverage Limits as of July 1, 2025
Bodily injury liability	$30,000 per person / $60,000 per accident	$50,000 per person / $100,000 per accident
Property damage liability	$25,000 per accident	$50,000 per accident

Though the above liability levels are the minimum requirements to drive in North Carolina legally, many drivers increase their auto insurance coverage for greater financial protection from at-fault accidents. That may mean purchasing higher liability limits or buying additional coverages, such as:

• 

  Collision coverage

  Collision insurance will pay to repair or replace your vehicle if you cause an accident with another vehicle. It can also pay if you hit a stationary object like a tree, fence or light pole, and for pothole damage or rollover accidents. Since North Carolina is an at-fault state that follows the pure contributory negligence rule, this type of coverage can be very important for drivers’ financial protection.

• 

  Comprehensive coverage

  Comprehensive insurance pays to repair or replace your car if it’s damaged because of something other than an accident, such as theft, vandalism, fire, severe weather, cracked windshields, or hitting an animal.

Cheapest car insurance for drivers with an incident

Incidents on your driving record can make it tougher to find cheap car insurance in Charlotte since any adverse incident in your driving history — such as speeding tickets, at-fault accidents, or DUIs — will increase your rates. Once you have a single incident on your record, insurers are more likely to see you as a potential risk. They’ll likely raise your rates or even decide to not renew your existing policy.

This doesn’t mean drivers with a spotty history are totally out of luck. Some insurers specialize in higher-risk drivers, and many insurance companies will continue to cover you even after an incident. Here’s how you can find affordable insurance in Charlotte after a driving incident.

Shop for Cheap Car Insurance in Charlotte

Monthly rates start at $74 for liability coverage

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Cheapest car insurance for drivers with a speeding ticket: Nationwide

Speeding may seem like a harmless way to shave a few minutes off your commute, but it’s a dangerous habit that can easily turn lethal. The National Highway Traffic Safety Administration reports that 32% of traffic fatalities in North Carolina in 2020 were speeding-related.

This is why both law enforcement and insurance companies take speeding seriously. Receiving a speeding ticket indicates that you’re a higher-risk driver, and your insurance company will likely raise your rates for several years after you receive just one citation for speeding.

In Charlotte, a speeding ticket increases the average cost of car insurance to $155 per month for full coverage and $108 for liability only. If you’ve received a speeding ticket, the following insurers offer the cheapest car insurance for Charlotte drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$74	$104
Nationwide	$76	$100
Erie	$76	$103
Direct Auto	$78	$103
Liberty Mutual	$80	$106
National General	$80	$104
Safeco	$81	$109
Dairyland	$85	$111
GEICO	$93	$125
Travelers	$97	$128
Allstate	$104	$136
State Farm	$125	$162

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Erie

It’s likely that your insurance company will raise your rates after you’ve been found at fault in an accident. Depending on the severity of the accident and your driving history, your insurance company may drop you after an at-fault accident, though this is uncommon.

Buying accident forgiveness coverage before something happens could help you avoid an accident surcharge, but you generally need a clean driving record for at least three years to be eligible.

Charlotte drivers with at-fault accidents on their records face average monthly insurance costs of $115 for liability-only coverage and $166 for full coverage. These insurance companies offer the cheapest car insurance for drivers with an at-fault accident in Charlotte.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
Progressive	$74	$111
Nationwide	$76	$105
Erie	$76	$102
Direct Auto	$78	$110
Liberty Mutual	$80	$112
National General	$80	$110
Safeco	$81	$117
Dairyland	$85	$117
GEICO	$93	$121
Travelers	$97	$134
Allstate	$104	$142
State Farm	$125	$170

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Erie

Driving under the influence endangers everyone on the road, and the severity of a DUI is reflected in increased car insurance rates.

“A DUI can make it very difficult for you to obtain standard auto insurance,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute. “You could pay 100% or more for coverage compared to a driver with a clean record.”

Drivers with a DUI on their record in Charlotte pay average car insurance rates of $176 per month for full coverage and $122 for liability only. You may find the cheapest insurance for your circumstances from the following companies.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
Progressive	$74	$118
Nationwide	$76	$118
Erie	$76	$118
Direct Auto	$78	$121
Liberty Mutual	$80	$124
National General	$80	$124
Safeco	$81	$128
Dairyland	$85	$132
GEICO	$93	$145
Travelers	$97	$151
Allstate	$104	$162
State Farm	$125	$195

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Nationwide

Age has its privileges, especially regarding lower car insurance rates. Car insurance premiums are generally at their highest for teens and young adults, with rates decreasing around age 25.

Premiums tend to remain low for safe drivers until age 70. Slower reaction times and age-related vision and hearing changes come into play, making senior drivers a little more likely to get into accidents despite having decades of experience.

Still, senior drivers tend to have the lowest rates of any age group, and that’s true in Charlotte, where the average insurance costs for seniors are $68 per month for liability-only coverage and $97 for full coverage. The following companies in Charlotte offer the cheapest car insurance for senior drivers.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Nationwide	$65	$58
Erie	$66	$59
GEICO	$78	$74
Travelers	$86	$78
Direct Auto	$94	$62
Allstate	$96	$85
National General	$96	$63
Progressive	$98	$65
State Farm	$111	$99
Safeco	$128	$71
Liberty Mutual	$140	$68
Dairyland	$162	$70

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Dairyland

Teenagers exhibit some risky behavior on the road, so insurance companies charge higher rates to teenage drivers. Insurers know these drivers are among the most likely to get into accidents, so they account for the increased risk.

Teens and their parents can lower their insurance rates with these strategies:

• Stay on your parents’ insurance policy. This is generally cheaper than purchasing a separate policy for a younger driver. And teens younger than 18 can’t legally purchase their own policies without the written consent of a parent or guardian.

• Drive a safe and practical car. The Insurance Institute for Highway Safety recommends a list of suitable cars for teens.

• Qualify for a student discount. Many insurance companies reward teen drivers who maintain good grades or who live on campus while attending college.

• Take a defensive driving course. Insurers may also offer discounts to teen drivers who have completed such a course.

The following insurers offer some of the cheapest car insurance for teens in Charlotte:

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Erie	$170	$152
Nationwide	$174	$155
GEICO	$186	$177
Travelers	$226	$203
Progressive	$232	$153
Allstate	$242	$215
Direct Auto	$245	$162
National General	$263	$171
State Farm	$281	$251
Safeco	$313	$175
Liberty Mutual	$316	$153
Dairyland	$350	$151

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Charlotte car insurance quotes by credit tier

North Carolina auto insurance companies can use your credit history as a factor in your premium costs. That means having good to excellent credit means you’ll likely pay lower rates than a driver with a fair-to-poor credit score.^[3]

Drivers with less-than-perfect credit scores should do what they can to improve their scores. Not only will that help their ability to qualify for credit, but it may also help lower their insurance costs.

The chart below shows the average monthly cost of full-coverage insurance in Charlotte by credit tier. 

Cost of car insurance in other North Carolina cities

Understanding the average insurance rates in other cities in the state can help Charlotte residents make the best decisions about their insurance coverage. Here are average monthly car insurance rates in other North Carolina cities.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

City	Average Quote: Liability Only	Average Quote: Full Coverage
Chapel Hill	$50	$83
Asheville	$51	$72
Burlington	$53	$78
Cary	$55	$83
Morrisville	$56	$85
Durham	$60	$95
Mooresville	$61	$93
Jacksonville	$61	$80
Hickory	$61	$89
Rocky Mount	$63	$88
Wilmington	$64	$88
Goldsboro	$65	$90
High Point	$65	$90
Raleigh	$66	$96
Greensboro	$68	$91
Wilson	$69	$105
Kannapolis	$69	$85
Greenville	$69	$92
Matthews	$71	$94
Fayetteville	$75	$103
Charlotte	$77	$111
Gastonia	$77	$102

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Charlotte car insurance FAQs