Charlotte Auto Insurance Rates, Quotes, Agents & Reviews in NC

Charlotte, NC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Charlotte, NC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Charlotte, NC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Charlotte, NC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Charlotte, NC with that of other cities in and around Charlotte.

Charlotte Matthews Belmont Township Mecklenburg County Stallings
Average Insurance Rates $1,009 $1,036 $1,005 $1,006 $903 $1,034

Charlotte, NC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Charlotte, NC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Charlotte $1,437 $1,214
Mecklenburg County $1,449 $1,224
Pineville $953 $805
Township $1,036 $875
Matthews $2,079 $1,756
Mint Hill $1,449 $1,224
Stallings $1,861 $1,572
Belmont $1,453 $1,228

Charlotte, NC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Charlotte, NC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,274
20 Years $1,296
30 Years $999
40 Years $961
50 Years $890
60 Years $902
70 Years $1,050

Charlotte, NC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Charlotte, NC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,776 $242
3 Vehicles $2,664 $363
4 Vehicles $3,552 $484

Savings on 2 Vehicles bundle:$242

Savings on 3 Vehicles bundle:$363

Savings on 4 Vehicles bundle:$484


Charlotte, NC Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Charlotte, NC.

Location Average Insurance Cost Post DUI Insurance Rate
Charlotte $1,009 $4,138
Mecklenburg County $903 $3,704
Pineville $1,006 $4,126
Township $1,006 $4,126
Matthews $1,036 $4,249
Mint Hill $1,339 $5,492
Stallings $1,034 $4,241
Belmont $1,005 $4,122

Charlotte, NC Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $866
Excellent (740-799) $988
Good (670-739) $1,051
Average (580-669) $1,372
Poor (300-579) $1,646

Charlotte, NC Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Oconnor Insurance Associates Inc. Erie 1973 J N Pease Place Suite 203, Charlotte, 28262 None
Luther Carter Jr. Allstate 10801 Johnston Rd Ste 110, Charlotte, 28226 (704) 542-7500
Mcneary Inc Liberty Mutual Independent 6525 Morrison Ave Ste 200, CHARLOTTE, 28211 (704) 365-4150
Jackson Insurance Services Inc. Nationwide 8906-A Bellhaven Blvd, Charlotte, 28214-1175 (704) 392-4341
Transition Insurance Agcy Inc Liberty Mutual Independent 233 S SHARON AMITY RD STE 103, CHARLOTTE, 28211 (866) 308-4704
William Laurie Nationwide 3010 Monroe Rd STE 207, Charlotte, 28205-7535 (704) 342-2886
George F Doubrava Nationwide 1609 Sardis Rd North, Charlotte, 28270-1408 (704) 841-8880
[ I S, U, O '
Larry Chester Lutcf Liberty Mutual 9115 Harris Corners Parkway Ste. 200, Charlotte, 28269 1-704-549-8944
Gene Haynes State Farm 8316 Medical Plaza Dr Ste A, Charlotte, 28262-6704 704-549-1515
Jason Sardi Liberty Mutual 7401 Carmel Executive Park Ste 220, Charlotte, 28226 1-704-544-9789

Charlotte, NC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$44 $1,053
Driver's Failure In Showing Documents +$98 $1,107
Driving With An Expired Registration +$104 $1,113
Driving At A Considerably Slow Pace +$219 $1,228
Using A Cellphone While Driving +$231 $1,240
Running A Red Light +$235 $1,244
Speeding +$247 $1,256
Driving A Vehicle Without The Required Permission +$314 $1,323
Driving With An Expired/Suspended License +$680 $1,689

Charlotte, NC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $969
Active Disabling Device $969
Tracking Device $948
Passive Disabling Device $938

Latest Auto Insurance Reviews in Charlotte, NC | Back to Top

Allstate
Could be a little cheaper, but given the helpfulness of the insurance coverage as a whole, the premium and deductibles are helpful compared to other insurance companies
Allstate
We have always been treated well and fair for over 24 years,We would highly recommend them to anyone looking for insurance for their cars.They also have good discounts.
Travelers
The policies offered were good enough for what we needed them to be. Likewise, there was the bundle offer with our vehicles which made it a no brainer. The latter was definitely the reason to choose travelers.
Travelers
The policies offered were good enough for what we needed them to be. Likewise, there was the bundle offer with our vehicles which made it a no brainer. The latter was definitely the reason to choose travelers.
Progressive
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.
Allstate
The company is very steady and has been around forever. A true American icon.
Progressive
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.
Aaa
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.
Nationwide
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.
Metlife
They were very helpful and informative. They offered me a large selection of options and discounts.
Progressive
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