Cheapest Car Insurance in Charlotte, NC for 2022

If you ’ rhenium looking for brassy car insurance in Charlotte, North Carolina, you ’ ll want to shop around and compare quotes from multiple companies. Insurers use a diverseness of factors to determine the cost of car policy, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That ’ sulfur why patronize around is your best bet to getting the cheapest car indemnity in Charlotte — or anywhere. To find the cheapest companies in Charlotte, NerdWallet looked at average full moon coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Charlotte driving a 2019 Toyota Camry L. Read on to find out how car insurance companies in Charlotte stack up. You can besides check out our number of the cheapest car policy companies nationwide.

Table of contents

Cheapest car insurance companies in Charlotte

The biggest variable in your indemnity cost will be the party you choose, so you ’ ll want to shop around to be convinced you ’ re getting the best rate. In Charlotte, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean drive phonograph record, according to NerdWallet ’ s most late analysis. It ‘s authoritative to remember that rates are determined individually, so these may not be the cheapest companies for you .

Company

Rate

NerdWallet Rating

Geico $ 846 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

North Carolina Farm Bureau $ 1,165 not yet rated
lake erie $ 1,207 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

department of state farm $ 1,223 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

nationally $ 1,461 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Penn National $ 1,572 not yet rated
MetLife $ 1,635 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

progressive $ 1,730 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Allstate $ 2,017 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

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Average car insurance cost in Charlotte and North Carolina

Rates across North Carolina differ from those in Charlotte for lots of reasons. The number of accidents, the type of roads and even the upwind can affect the rates drivers are charged. According to NerdWallet ’ s most late analysis, the average pace in North Carolina is $ 1,255, while in Charlotte, it ‘s $ 1,417 .

Average city rate

Average state rate

$1,417 $1,255

Average cost of car insurance in Charlotte’s 10 largest ZIP codes

The cost of car insurance varies based on where you live, even from one vicinity to the following. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet ’ second analysis, here are the 10 most populated ZIP codes in Charlotte and the average annual cost of car indemnity for a 35-year-old driver with thoroughly credit and a houseclean drive phonograph record .

ZIP Code

Average Rate

28025 $1,295
28027 $1,297
28078 $1,213
28110 $1,433
28173 $1,294
28215 $1,655
28216 $1,638
28227 $1,351
28269 $1,253
28277 $1,293

Cheap car insurance in Charlotte by age

Along with where you live, your senesce is another major divisor in the price you pay for car insurance. For example, younger drivers normally pay more than older drivers with similar driving histories and credit scores ascribable to having less feel on the road. You could easily find that the cheapest company for you changes as you historic period. here ‘s a breakdown of prices in Charlotte for exchangeable drivers at versatile ages, according to NerdWallet ’ s most late analysis.

Cheapest for 20-year-olds

While adolescent drivers are the most likely to be in an accident, 20-year-old drivers are inactive relatively newly to the road. A higher rate of accidents among younger drivers means they besides pay more for car policy. According to NerdWallet ’ s most late analysis, here ‘s what 20-year-olds in Charlotte pay, on average .

Company

Rate

NerdWallet Rating

Geico $ 1,029 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

North Carolina Farm Bureau $ 1,216 not however rated
Penn National $ 1,572 not yet rated
MetLife $ 1,635 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

erie $ 1,702 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

progressive $ 1,730 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

state farm $ 1,867 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

countrywide $ 1,916 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Allstate $ 2,796 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Cheapest for 35-year-olds

By 35, your car indemnity rates should plateau. This is a big old age to compare rates, as the cheapest insurance company you found in your 20s may no long be the best softwood. here ’ s what 35-year-old drivers might pay, on modal, in Charlotte, according to NerdWallet ’ s analysis .

Company

Rate

NerdWallet Rating

Geico $ 846 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

North Carolina Farm Bureau $ 1,165 not so far rated
erie $ 1,207 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

submit farm $ 1,223 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

countrywide $ 1,461 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Penn National $ 1,572 not so far rated
MetLife $ 1,635 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

progressive $ 1,730 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Allstate $ 2,017 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Cheapest for 60-year-olds

At age 60, your car indemnity rates are about vitamin a low as they ‘re going to get if your history is clean. Most drivers in this old age group have lots of experience on the road and established drive records, so insurers know what they ‘re getting into and charge less accordingly. That does n’t mean you wo n’t be able to save money by bundling or tapping into other discounts, sol keep shop approximately. Below are the cheapest companies, on average, in Charlotte, according to NerdWallet ’ s most recent analysis .

Company

Rate

NerdWallet Rating

Geico $ 806 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

state farm $ 1,070 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

North Carolina Farm Bureau $ 1,100 not yet rated
erie $ 1,115 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0

/5

countrywide $ 1,233 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Penn National $ 1,572 not however rated
MetLife $ 1,625 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Allstate $ 1,714 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

liberal $ 1,730 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

See what you could save on car insurance

well compare personalized rates to see how much interchange car policy could save you.

ZIP Code

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Charlotte’s cheapest companies and rates by driving record

Your driving history besides plays a large function in your car policy rate. Drivers who have clean records will normally pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest pace. According to NerdWallet ’ mho analysis, these are the average rates in Charlotte by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are about always going to pay the lowest prices for car policy when compared to drivers with an accident or driving trespass. Insurers set rates based on the electric potential hazard of you filing a claim, and good drivers are considered among the least hazardous. here are the average rates for good drivers in Charlotte according to NerdWallet ’ s most holocene analysis .

Company

Rate

NerdWallet Rating

Geico $ 846 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

North Carolina Farm Bureau $ 1,165 not even rated
lake erie $ 1,207 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

country grow $ 1,223 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

nationally $ 1,461 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Penn National $ 1,572 not even rated
MetLife $ 1,635 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

progressive $ 1,730 NerdWallet military rank

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Allstate $ 2,017 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Drivers with a DUI

Drivers with a DUI can struggle to find low-cost indemnity and may need to turn to a bad car policy company. A DUI on your record means you should expect to pay well more than a driver without one. here are the average rates for drivers with a DUI in Charlotte according to NerdWallet ’ s most late analysis .

Company

Rate

NerdWallet Rating

North Carolina Farm Bureau $ 1,541 not yet rated
lake erie $ 1,651 NerdWallet denounce

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

countrywide $ 1,990 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Penn National $ 2,106 not so far rated
progressive $ 2,309 NerdWallet evaluation

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Allstate $ 2,790 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

MetLife $ 3,110 NerdWallet rat

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

state farm $ 4,988 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Geico $ 5,776 NerdWallet fink

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Drivers with an at-fault accident

If you ‘ve got an at-fault accident on your commemorate, you ‘ll pay more than a driver with a clean record, but likely less than person with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender curve will likely be treated differently from an accident caused by running a crimson light. here are the cheapest median rates for drivers with an at-fault accident on their record in Charlotte, according to NerdWallet ’ s most recent psychoanalysis .

Company

Rate

NerdWallet Rating

North Carolina Farm Bureau $ 1,823 not yet rated
erie $ 1,965 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.0 /5

country grow $ 2,020 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

Geico $ 2,286 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

Penn National $ 2,505 not even rated
MetLife $ 2,595 NerdWallet rating

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

countrywide $ 2,715 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

4.5 /5

progressive $ 2,744 NerdWallet rate

NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

5.0 /5

See what you could save on car insurance

easily compare personalized rates to see how much trade cable car policy could save you.

ZIP Code

Get started on Insure.com

Shop around to get cheap insurance

No matter what party you ‘re presently getting car insurance from, remember that it ‘s crucial to shop around and compare quotes from multiple companies. Prices and offers change over fourth dimension, and you may be able to save by switching to another insurance company. Be certain to take advantage of potential discounts. many insurers offer car policy discounts for things like bundling other types of policy with your car policy or going years without filing a claim.

Methodology

For our “ good driver ” visibility, NerdWallet averaged indemnity estimates in the city for single male and female drivers with beneficial credit rating and no tickets or violations. The analysis included the largest indemnity companies in each submit ; smaller insurers were besides included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available. We used a 35-year-old driver ( unless a unlike historic period is stated ) and a 2019 Toyota Camry L and assumed 12,000 annual miles drive. For full coverage policies, we used the follow coverage limits :

  • $ 100,000 bodily injury indebtedness per person .
  • $ 300,000 bodily wound liability per accident .
  • $ 50,000 property damage indebtedness per accident .
  • $ 100,000 uninsured motorist coverage per person .
  • $ 300,000 uninsured motorist coverage per accident .
  • Collision coverage with a $ 1,000 deductible .
  • comprehensive coverage with a $ 1,000 deductible .

Where required by jurisprudence, minimum extra coverages were added. Some policies include extra coverages at the insurance company ’ second delicacy. We used the same assumptions for all other driver profiles, with the succeed exceptions :

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by police in the express.
  • For drivers with one at-fault crash, we added a individual at-fault crash that happened six months ago, resulting in $ 10,000 in place price and no bodily injury claim .
  • For drivers with a DUI, we added a single bibulous driving trespass that happened six months ago .

These are rates generated through Quadrant Information Services. Your own rates will be unlike .

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