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.
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 Rates
- Charlotte, NC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Charlotte, NC
- Multi Vehicle Insurance Savings in Charlotte, NC
- How Credit Score Affects Car Insurance Rates in Charlotte, NC
- How DUI Affects Auto Insurance Premiums in Charlotte, NC
- Top Auto Insurance Agents Near Charlotte, NC
- How Driving Violations Affect Auto Insurance Rates in Charlotte, NC
- Charlotte, NC Auto Insurance Discounts on Anti Theft Feature
- Charlotte, NC Auto Insurance Company Reviews
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
AllstateCould 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
AllstateWe 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.
TravelersThe 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.
TravelersThe 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.
ProgressiveThey 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.
AllstateThe company is very steady and has been around forever. A true American icon.
ProgressiveThe company is easy to use. I enjoy being able to check my policy, pay my bill and print insurance cards online.
State FarmI like that they are transparent and they seem to care a lot about people. They always have a good attitude as well.
AaaThe 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.
NationwideI 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.
MetlifeThey were very helpful and informative. They offered me a large selection of options and discounts.
ProgressiveMy policy covers everything i need as well as checked up every two months to make sure i have the coverage I need
State FarmI think my insurance provider has the standard policy offerings that others offer