The rates and averages shown on this page should only be used as an estimate. MetLife: $715 per year, or about $60 per month. If you live in Charlotte and youre in your 60s, our data indicates that Direct Auto usually has the best rates at $67.66 per month. According to NerdWallets most recent analysis, the average rate in, The cost of auto insurance varies based on where you live, even from one neighborhood to the next. He is based in Nashville, Tennessee. North Carolina Farm Bureau: $1,507 per year, or about $126 per month. Charlotte, NC Car Insurance - The Zebra $1,265 per year, or about $105 per month. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Cheap Car Insurance Rates in Charlotte, North Carolina - SmartFinancial Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. This information may be different than what you see when you visit a financial institution, service provider or specific products site. If you are looking for affordable coverage, you may also want to consider Erie or National General. That means your home or savings could be in jeopardy. The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage. She has written for several media outlets, including the USA Today Network. To find cheap. $1,942 per year, or about $162 per month. All financial products, shopping products and services are presented without warranty. It is illegal in North Carolina to drive with a Blood Alcohol Concentration (BAC) of more than 0.08 or more. You can get a personalized quote online or with an agent to help you make insurance affordable with a Personal Price Plan 1. Drivers who are denied car insurance on the voluntary market because of poor credit, DUIs or other factors can seek coverage through the North Carolina Reinsurance Facility. $60,000 bodily injury liability per accident. Cheapest minimum coverage car insurance in North Carolina for 30-year-olds, Cheapest auto insurance in North Carolina for 30-year-olds with poor credit, Cheapest auto insurance in North Carolina for 30-year-old drivers with one speeding ticket, Cheapest auto insurance in North Carolina for 30-year-old drivers with one at-fault crash. Rates can still vary depending on other factors such as a drivers gender and location, so its smart to shop around to find the best rate. MetLife: $471 per year, or about $39 per month. $4,592 per year, or about $383 per month. National General: $1,163 per year, or about $97 per month. The state also requires uninsured/underinsured motorist coverage. MetLife: $1,343 per year, or about $112 per month. Compare auto insurance in Charlotte to other North Carolina cities, including Greensboro auto insurance rates, Fayetteville auto insurance rates, and Raleigh auto insurance rates to see how Charlotte, North Carolina auto insurance rates stack up. State Farm: $426 per year, or about $36 per month. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history. North Carolina Department of Insurance. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. You may want more coverage, especially if you drive a lot, have a history of traffic violations or simply want more extensive financial protection on the road. Tourists can explore several exciting destinations, including the NASCAR Hall of Fame, the Carowinds Amusement Park, and Levine Center for the Arts. $1,343 per year, or about $112 per month. Cheap Car Insurance in Charlotte: Affordable Rates (2023) - MarketWatch Progressive: $715 per year, or about $60 per month. Generally speaking, the newer a car is, the more its worth, and you may pay more in premiums, but the latest safety features will earn you a discount. GEICO offers the lowest monthly rate among the major insurance companies for liability-only auto insurance at just $34. MoneyGeek developed these scores based on varying levels of coverage and histories of 18-year-old drivers in Charlotte. Use these rates as a guide since car insurance is priced for each individual driver, based on factors like what type of vehicle you drive, your zip code, driving history and age. $300,000 bodily injury liability per accident. Drivers with a DUI can struggle to find affordable insurance and may need to turn to a. . Charlotte drivers can expect to see a hike in their rates in the range of 45% for minor moving violations such as tailgating or blowing through a stop sign, 189% for more severe infractions such as DUI. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. $1,872 per year, or about $156 per month. The best way to find the cheapest possible policy is to shop around and compare quotes from at least three insurance companies. Youll also discover how much you can save from knowing how to make smart choices about coverage. Compare Rates Powered by In This Review: By:. The best (and cheapest) car insurance companies in Charlotte include Erie, Nationwide, North Carolina Farm Bureau, and National General. For drivers with a recent accident in North Carolina, here are the companies with the lowest average rates for minimum coverage: MetLife: $706 per year, or about $59 per month. For our good driver profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. Our opinions are our own. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Comprehensive Coverage 3. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal. Cheapest minimum coverage car insurance in North Carolina for 20-year-olds, Cheapest auto insurance in North Carolina for 20-year-olds with poor credit, Cheapest auto insurance in North Carolina for 20-year-old drivers with one speeding ticket, Cheapest auto insurance in North Carolina for 20-year-old drivers with one at-fault crash, Cheapest auto insurance in North Carolina for 20-year-old drivers after a DUI. Best Car Insurance in North Carolina for 2023 | Bankrate Its always a good idea to check for discounts that apply at any age. Drivers in their 50s have cheaper car insurance rates than most other age groups on average. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. According to CDC research, teen drivers are inexperienced and involved in more accidents than older drivers. Disclaimer: NerdWallet strives to keep its information accurate and up to date. $25,000 property damage liability per accident. Drivers with poor credit in North Carolina should look at the following insurers with the lowest average rates for minimum coverage: National General: $480 per year, or about $40 per month. Drivers in North Carolina with clean driving records may get the lowest rates from these companies: North Carolina Farm Bureau: $991 per year, or about $83 per month. $100,000 uninsured motorist coverage per person. State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet's 2023 analysis of minimum . The overall safety ratings of a car are also considered when determining your rate. Pre-qualified offers are not binding. North Carolina Non-Owner Car Insurance: Best Cheap Options - MoneyGeek For drivers with a DUI, we added a single drunken driving violation that happened six months ago. Erie: $555 per year, or about $46 per month. Here are the average rates for good drivers in Charlotte according to NerdWallets most recent analysis. You could easily find that the cheapest company for you changes as you age. is a digital insurance comparison engine, providing real-time rates and insurance services in all 50 states through We make it easy to get a car insurance quote. Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. On average, Direct Auto offers car insurance for 40 year-olds in Charlotte for around $67.27 per month. Drivers with poor credit in North Carolina should consider the following companies with the lowest average rates for full coverage: National General: $1,172 per year, or about $98 per month. She most recently worked in the public sector for the Nevada Department of Transportation. Your IP: Drivers with poor credit in North Carolina can look at the following companies with the lowest average rates for full coverage: Erie: $1,078 per year, or about $90 per month. Titan: $1,101 per year, or about $92 per month. North Carolina car insurance laws require only that you insure yourself against bodily injury and property damage liability, so its your choice whether to add coverage for yourself, your passengers, and your vehicle. $1,210 per year, or about $101 per month. Try our car insurance comparison tool from the states largest insurers, Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. Because of this, they may see you as a higher risk driver. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Drivers in North Carolina who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates: North Carolina Farm Bureau: $320 per year, or about $27 per month. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. $4,047 per year, or about $337 per month. And if you carry only the minimum limits, youd pay any extra costs. $1,680 per year, or about $140 per month. According to our data, Direct Auto generally has the most affordable car insurance in Charlotte coming in around $71.47 per month. Here's a breakdown of prices in Charlotte for similar drivers at various ages, according to NerdWallets most recent analysis. $66. According to our data, Direct Auto generally has the most affordable car insurance in Charlotte coming in around $71.47 per month. Below youll see how much rates increase, on average, for ordinary traffic violations. The best car insurance coverage usually isnt the cheapest. State Farm: $4,655 per year, or about $388 per month. North Carolina Farm Bureau: $1,001 per year, or about $83 per month. MetLife: $1,334 per year, or about $111 per month. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Get a free car insurance quote. For example, North Carolina Farm Bureau offers the cheapest rates in North Carolina at $350 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. In North Carolina, comprehensive costs $160 and collision costs $685, on an average per year, according to a rate data analysis done by CarInsurance.com. National General: $476 per year, or about $40 per month. Erie: $417 per year, or about $35 per month. While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. When evaluating offers, please review the financial institutions Terms and Conditions. State Farm: $1,680 per year, or about $140 per month. He is based in Nashville, Tennessee. Titan: $1,210 per year, or about $101 per month. Compare Best Cheap Car Insurance Quotes in Charlotte, North Carolina 2023 National General: $704 per year, or about $59 per month. In. According to NerdWallets analysis, here are the most populated ZIP codes in. $1,328 per year, or about $111 per month. Read on to find out how auto insurance companies in, stack up. Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. National General: $1,177 per year, or about $98 per month. GEICO offers the cheapest liability-only auto insurance in Charlotte, NC, with a monthly rate of just $34. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. Good drivers can find minimum coverage as low as $34 per month or full coverage as low as $98 per month in the city.. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Charlotte Auto Insurance Quotes - Compare Rates and Save Progressive: $1,371 per year, or about $114 per month. $71. Bodily Injury Liability: $30,000 (one person), Bodily Injury Liability (two or more people): $60,000, Property Damage Liability: $25,000 of coverage for property damage. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage. Charlotte NC Car Insurance - 2023 Cheapest Rates + Comparisons 7146 E Independence Blvd (704) 536-8806 Direct Auto Insurance: The Cheapest Car Insurance in Charlotte You Can Count On Start Auto Quote Enter ZIP code to start your quote. National General: $3,245 per year, or about $270 per month. Erie: $543 per year, or about $45 per month. $4,228 per year, or about $352 per month. Answer a few questions and let Penny find the best rates in your area. Titan: $1,834 per year, or about $153 per month. Many insurance carriers offer discounts on your car insurance policy. You can email the site owner to let them know you were blocked. But the best way to find the cheapest car insurance coverage in North Carolina for your specific circumstances is to shop around and get quotes from as many companies as possible. How much does car insurance cost in Charlotte, NC? Rates across North Carolina differ from those in Charlotte for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. Erie: $608 per year, or about $51 per month. Erie: $4,023 per year, or about $335 per month. Budget-conscious shoppers can also use NerdWallet to find cheap car insurance in North Carolina. in writing from The New School. National General: $3,263 per year, or about $272 per month. In Charlotte, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $59 per month for insurance coverage. For minimum liability coverage, Esurance offers the cheapest rate at just $107 monthly. See what people pay for car insurance in other cities in North Carolina. North Carolina Farm Bureau has the cheapest car insurance in Charlotte, charging $39 a month for minimum coverage and $73 a month for full coverage. Geico, State Farm and North Carolina Farm Bureau were the cheapest car insurance companies for full coverage, with Erie and Nationwide right behind. 2023 SmartFinancial.com Ins LLC DBA SmartFinancial Insurance. Our list of, Cheapest full coverage car insurance in North Carolina for 50-year-olds, Cheapest minimum coverage car insurance in North Carolina for 50-year-olds, Cheapest auto insurance in North Carolina for 50-year-olds with poor credit, Cheapest auto insurance in North Carolina for 50-year-old drivers with one speeding ticket, Cheapest auto insurance in North Carolina for 50-year-old drivers with one at-fault crash. ZIP code Boydton, VA Your information is. The best way to get a low rate is by comparison shopping. $1,608 per year, or about $134 per month. Heres what 35-year-old drivers might pay, on average, in Charlotte, according to NerdWallets analysis. North Carolina Farm Bureau: $467 per year, or about $39 per month. Still, factors like a persons driving record and car make and model can increase prices. Erie: $4,431 per year, or about $369 per month. This is $155 more than the average auto insurance cost in North Carolina and $159 less than the national average, as analyzed by Insure.com. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers. Cheapest full coverage car insurance in North Carolina for 40-year-olds, Cheapest minimum coverage car insurance in North Carolina for 40-year-olds, Cheapest auto insurance in North Carolina for 40-year-olds with poor credit, Cheapest auto insurance in North Carolina for 40-year-old drivers with one speeding ticket, Cheapest auto insurance in North Carolina for 40-year-old drivers with one at-fault crash. Collision, which pays for damage to your car from accidents. What Is the Blood Alcohol Concentration (BAC) Limit in Charlotte?