Car Insurance for Charlotte in 2024

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Drivers in Charlotte pay an average of $2,062 per year for car insurance, but you might find cheaper coverage if you shop around.

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Written by Isabel Contreras
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Edited by Lacie Glover
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If you’re looking for cheap car insurance in Charlotte, North Carolina, you’ll want to shop around and compare quotes from multiple companies. 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. That’s why shopping around is your best bet to getting the cheapest car insurance in Charlotte — or anywhere.

To find the cheapest companies in Charlotte, NerdWallet looked at average full 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 2021 Toyota Camry LE.

Read on to find out how auto insurance companies in Charlotte stack up. You can also check out our list of the cheapest car insurance companies nationwide.

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