Rush hour traffic, bottlenecks at Interstate 77 or Interstate 85 and complex interchanges can make driving in Charlotte a task. Add in toll lanes, flash floods and morning fog, and having proper car insurance quickly becomes a must-have for locals.
To help drivers in Charlotte find the most affordable car insurance coverage, we’ve collected real policy quotes from our local customers to show you how rates and pricing can vary depending on factors such as your driving record, your age, your location and what type of coverage you need.
More: Best car insurance companies
Cheapest minimum coverage insurance in Charlotte
Per state law, North Carolina drivers must have these minimum coverages:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $50,000 in property damage liability.
- $50,000 in uninsured and underinsured motorist bodily injury coverage per person.
- $100,000 in uninsured and underinsured motorist bodily injury coverage per accident.
- $50,000 in uninsured motorist property damage coverage per person.
In North Carolina’s largest city, here are some quotes that Jerry customers have received for state minimum coverage.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $29 | $349 | 36 | 05/23/25 | 28211 | ||
| $38 | $456 | 38 | 05/29/25 | 28209 | ||
| $42 | $504 | 45 | 06/24/25 | 28205 | ||
| $43 | $518 | 44 | 06/23/25 | 28212 | ||
| $46 | $557 | 51 | 06/08/25 | 28202 | ||
| $48 | $570 | 46 | 06/27/25 | 28210 | ||
| $48 | $572 | 38 | 05/02/25 | 28277 | ||
| $50 | $606 | 46 | 05/01/25 | 28213 | ||
| $51 | $611 | 25 | 05/18/25 | 28269 | ||
| $53 | $632 | 32 | 06/23/25 | 28209 |
If you have a loan or lease on your vehicle, the lender will require
More: Best car insurance in North Carolina
Cheapest full coverage insurance in Charlotte
Full coverage includes state minimum coverage and additional insurance for your vehicle (collision and comprehensive). Here’s a breakdown of what these types of insurances cover:
- Collision coverage pays the cost of repairing your vehicle after an accident, regardless of who is at fault.
- Comprehensive insurance helps pay the cost of vehicle damage caused by non-collision events such as weather-related incidents, animal collisions, or theft.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $43 | $519 | 42 | 06/20/25 | 28270 | ||
| $45 | $537 | 43 | 06/21/25 | 28269 | ||
| $50 | $599 | 38 | 06/15/25 | 28262 | ||
| $54 | $653 | 42 | 06/21/25 | 28273 | ||
| $55 | $666 | 53 | 09/22/25 | 28214 | ||
| $56 | $669 | 41 | 06/19/25 | 28262 | ||
| $57 | $684 | 44 | 06/22/25 | 28213 | ||
| $57 | $685 | 41 | 06/19/25 | 28202 | ||
| $59 | $704 | 59 | 09/06/25 | 28269 | ||
| $59 | $710 | 60 | 08/04/25 | 28277 |
More: Cheapest car insurance in North Carolina
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Charlotte (18-29 years old)
Here are some of the cheapest rates Charlotte drivers between 18 and 29 years have been quoted via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $53 | $641 | 25 | No | 05/13/25 | 28203 | ||
| $54 | $647 | 24 | No | 08/25/25 | 28203 | ||
| $57 | $688 | 25 | No | 09/16/25 | 28202 | ||
| $61 | $735 | 23 | No | 08/17/25 | 28269 | ||
| $62 | $747 | 28 | No | 09/10/25 | 28209 | ||
| $56 | $669 | 41 | 06/19/25 | 28262 | |||
| $57 | $684 | 44 | 06/22/25 | 28213 | |||
| $57 | $685 | 41 | 06/19/25 | 28202 | |||
| $59 | $704 | 59 | 09/06/25 | 28269 | |||
| $59 | $710 | 60 | 08/04/25 | 28277 |
Cheapest car insurance for mature drivers in Charlotte (30-54 years old)
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $38 | $456 | 38 | No | 05/29/25 | 28209 | ||
| $41 | $496 | 54 | No | 09/17/25 | 28262 | ||
| $42 | $504 | 45 | No | 06/24/25 | 28205 | ||
| $42 | $505 | 48 | No | 08/09/25 | 28210 | ||
| $42 | $509 | 42 | No | 06/20/25 | 28262 | ||
| $56 | $669 | 41 | 06/19/25 | 28262 | |||
| $57 | $684 | 44 | 06/22/25 | 28213 | |||
| $57 | $685 | 41 | 06/19/25 | 28202 | |||
| $59 | $704 | 59 | 09/06/25 | 28269 | |||
| $59 | $710 | 60 | 08/04/25 | 28277 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $500 | 55 | No | 09/18/25 | 28216 | ||
| $50 | $597 | 64 | No | 08/29/25 | 28202 | ||
| $52 | $627 | 67 | No | 09/10/25 | 28273 | ||
| $59 | $705 | 58 | No | 10/02/25 | 28269 | ||
| $59 | $710 | 60 | Yes | 08/04/25 | 28277 | ||
| $56 | $669 | 41 | 06/19/25 | 28262 | |||
| $57 | $684 | 44 | 06/22/25 | 28213 | |||
| $57 | $685 | 41 | 06/19/25 | 28202 | |||
| $59 | $704 | 59 | 09/06/25 | 28269 | |||
| $59 | $710 | 60 | 08/04/25 | 28277 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Charlotte
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $38 | $456 | 05/29/25 | No | 28209 | ||
| $41 | $496 | 09/17/25 | No | 28262 | ||
| $42 | $500 | 09/18/25 | No | 28216 | ||
| $42 | $504 | 06/24/25 | No | 28205 | ||
| $42 | $505 | 08/09/25 | No | 28210 | ||
| $42 | $509 | 06/20/25 | No | 28262 | ||
| $43 | $518 | 06/23/25 | No | 28212 | ||
| $43 | $519 | 06/20/25 | Yes | 28270 | ||
| $43 | $519 | 06/23/25 | No | 28278 | ||
| $45 | $537 | 06/21/25 | Yes | 28269 |
Cheapest car insurance for drivers with low credit scores in Charlotte
A credit score below 550 can lead to a higher car insurance rate, meaning you may have to do some extra cost comparing to find the best rate. Here are real quotes from Jerry customers in Charlotte with a score below 550.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $54 | $644 | 23 | 09/02/24 | 28277 | ||
| <550 | $56 | $668 | 60 | 12/29/24 | 28269 | ||
| <550 | $59 | $709 | 51 | 06/30/25 | 28269 | ||
| <550 | $59 | $711 | 23 | 11/20/24 | 28278 | ||
| <550 | $60 | $724 | 58 | 07/24/24 | 28214 | ||
| <550 | $61 | $735 | 35 | 07/25/25 | 28269 | ||
| <550 | $63 | $755 | 50 | 06/20/25 | 28269 | ||
| <550 | $64 | $763 | 45 | 01/01/25 | 28227 | ||
| <550 | $64 | $764 | 24 | 10/08/25 | 28269 | ||
| <550 | $67 | $800 | 19 | 05/12/25 | 28214 |
Cheapest car insurance for drivers with at-fault accidents in Charlotte
Here are some of the cheapest quotes for drivers in Charlotte with an at-fault accident on their record, based on real Jerry quotes.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $48 | $572 | 48 | No | 08/04/24 | 28210 | ||
| At Fault With Injury | $50 | $600 | 36 | No | 09/19/24 | 28269 | ||
| At Fault With Injury | $50 | $601 | 51 | No | 09/27/24 | 28204 | ||
| At Fault With No Injury | $51 | $610 | 33 | No | 02/06/25 | 28269 | ||
| At Fault With Injury | $53 | $641 | 34 | No | 01/07/25 | 28204 | ||
| $61 | $735 | 35 | No | 07/25/25 | 28269 | |||
| $63 | $755 | 50 | No | 06/20/25 | 28269 | |||
| $64 | $763 | 45 | Yes | 01/01/25 | 28227 | |||
| $64 | $764 | 24 | No | 10/08/25 | 28269 | |||
| $67 | $800 | 19 | Yes | 05/12/25 | 28214 |
Cheapest car insurance for drivers with a speeding ticket in Charlotte
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $53 | $641 | 37 | 06/10/25 | 28203 | ||
| Speeding over 15 | $53 | $641 | 33 | 06/27/25 | 28210 | ||
| Speeding over 15 | $57 | $689 | 45 | 08/01/25 | 28277 | ||
| Speeding over 15 | $59 | $709 | 33 | 08/13/25 | 28269 | ||
| Speeding under 15 | $59 | $712 | 28 | 05/15/25 | 28277 | ||
| $61 | $735 | 35 | 06/20/25 | 28269 | |||
| $63 | $755 | 50 | 06/23/25 | 28269 | |||
| $64 | $763 | 45 | 06/20/25 | 28227 | |||
| $64 | $764 | 24 | 06/23/25 | 28269 | |||
| $67 | $800 | 19 | 06/21/25 | 28214 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
