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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$769 $1,042 $1,469

Latest Auto Insurance Reviews in Charlotte, North Carolina

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.
The company is very steady and has been around forever. A true American icon.
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.
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.
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.
They were very helpful and informative. They offered me a large selection of options and discounts.
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
Greenhill St2011 Hyundai Sonata GLS66 year senior$1,265$851
Kraus Glen Dr2007 GMC Sierra 1500 Classic SLE240 year woman$915$639
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


  • 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.


  • 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