Cheap Car Insurance in Charlotte, NC (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 12, 2025
Insurance price card

Cheap Car Insurance in Charlotte, NC (July 2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

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 Policy
City, State
ZIP Code
$35 $418 Progressive 75 March 22, 2025 Charlotte, NC 28205
$35 $422 Progressive 66 May 23, 2024 Charlotte, NC 28273
$37 $442 Progressive 31 June 26, 2025 Charlotte, NC 28277
$37 $444 Progressive 65 March 5, 2025 Charlotte, NC 28226
$40 $474 Progressive 31 July 21, 2024 Charlotte, NC 28214
$40 $480 Progressive 46 March 1, 2025 Charlotte, NC 28205
$40 $484 Progressive 73 September 22, 2024 Charlotte, NC 28278
$42 $499 National General 32 March 14, 2025 Charlotte, NC 28262
$42 $500 Progressive 32 May 5, 2025 Charlotte, NC 28217
$42 $504 Progressive 33 May 1, 2025 Charlotte, NC 28217
Last Updated Jul 13, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

COMPARE CAR INSURANCE QUOTES WITH JERRY

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 Policy
City, State
ZIP Code
$35 $422 Progressive 66 May 23, 2024 Charlotte, NC 28273
$43 $520 Progressive 70 June 26, 2025 Charlotte, NC 28209
$48 $570 Progressive 26 December 26, 2024 Charlotte, NC 28203
$50 $602 Progressive 33 April 22, 2024 Charlotte, NC 28210
$53 $641 National General 38 December 27, 2024 Charlotte, NC 28269
$55 $654 National General 50 August 11, 2024 Charlotte, NC 28273
$56 $671 Progressive 24 October 4, 2024 Charlotte, NC 28202
$58 $701 National General 39 July 15, 2024 Charlotte, NC 28210
$62 $747 Progressive 27 September 29, 2024 Charlotte, NC 28212
$64 $769 Progressive 39 December 28, 2024 Charlotte, NC 28269
Last Updated Jul 13, 2025

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:
$–
COMPARE QUOTES
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 Policy
City, State
ZIP Code
$46 $548 National General 22 No November 8, 2024 Charlotte, NC 28269
$46 $557 Progressive 25 No February 20, 2024 Charlotte, NC 28206
$50 $602 Progressive 29 No April 9, 2024 Charlotte, NC 28270
$51 $611 National General 28 No April 28, 2025 Charlotte, NC 28269
$51 $614 National General 28 No September 22, 2024 Charlotte, NC 28269
Last Updated Jul 12, 2025

Cheapest car insurance for mature drivers in Charlotte (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$40 $474 Progressive 31 No July 21, 2024 Charlotte, NC 28214
$42 $499 National General 32 No March 14, 2025 Charlotte, NC 28262
$42 $500 Progressive 32 No May 5, 2025 Charlotte, NC 28217
$48 $572 National General 32 No November 12, 2024 Charlotte, NC 28269
$48 $572 Safeco 36 No September 1, 2024 Charlotte, NC 28202
Last Updated Jul 12, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$35 $418 Progressive 75 No March 22, 2025 Charlotte, NC 28205
$35 $422 Progressive 66 Yes May 23, 2024 Charlotte, NC 28273
$37 $444 Progressive 65 No March 5, 2025 Charlotte, NC 28226
$38 $454 Progressive 70 No June 26, 2025 Charlotte, NC 28209
$40 $484 Progressive 73 No September 22, 2024 Charlotte, NC 28278
Last Updated Jul 12, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Charlotte

Monthly Quote
Annual Quote
Insurance Company
Date of Policy
Has Full Coverage
City, State
ZIP Code
$37 $444 Progressive March 5, 2025 No Charlotte, NC 28226
$40 $474 Progressive July 21, 2024 No Charlotte, NC 28214
$40 $484 Progressive September 22, 2024 No Charlotte, NC 28278
$42 $500 Progressive May 5, 2025 No Charlotte, NC 28217
$43 $512 Safeco April 28, 2024 No Charlotte, NC 28273
$43 $520 Progressive June 26, 2025 Yes Charlotte, NC 28209
$46 $557 Progressive February 20, 2024 No Charlotte, NC 28206
$48 $572 National General November 12, 2024 No Charlotte, NC 28269
$48 $572 Safeco September 1, 2024 No Charlotte, NC 28202
$48 $572 National General July 3, 2024 No Charlotte, NC 28277
Last Updated Jul 13, 2025

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
<550 $53 $639 Progressive 30 January 8, 2025 Charlotte, NC 28269
<550 $54 $644 Dairyland 23 September 2, 2024 Charlotte, NC 28277
<550 $56 $668 Progressive 34 May 9, 2025 Charlotte, NC 28210
<550 $56 $672 Dairyland 26 November 21, 2024 Charlotte, NC 28210
<550 $57 $682 Dairyland 60 December 29, 2024 Charlotte, NC 28269
<550 $59 $711 Progressive 23 November 20, 2024 Charlotte, NC 28278
<550 $59 $712 Progressive 50 June 20, 2025 Charlotte, NC 28269
<550 $60 $724 Dairyland 58 July 24, 2024 Charlotte, NC 28214
<550 $64 $771 Progressive 23 March 4, 2024 Charlotte, NC 28269
<550 $69 $831 National General 35 May 6, 2025 Charlotte, NC 28213
Last Updated Jul 13, 2025

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 With Injury $35 $418 Progressive 75 No March 22, 2025 Charlotte, NC 28205
At Fault With Injury $35 $422 Progressive 66 Yes May 23, 2024 Charlotte, NC 28273
At Fault With No Injury $42 $499 National General 32 No March 14, 2025 Charlotte, NC 28262
At Fault With Injury $48 $572 National General 48 No August 4, 2024 Charlotte, NC 28210
At Fault With Injury $50 $600 Progressive 36 No September 19, 2024 Charlotte, NC 28269
Last Updated Jul 12, 2025

Cheapest car insurance for drivers with a speeding ticket in Charlotte

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $42 $499 National General 32 March 14, 2025 Charlotte, NC 28262
Speeding over 15 $46 $548 National General 22 November 8, 2024 Charlotte, NC 28269
Speeding under 15 $48 $572 National General 48 August 4, 2024 Charlotte, NC 28210
Speeding under 15 $50 $601 National General 51 September 27, 2024 Charlotte, NC 28204
Speeding over 15 $53 $639 Safeco 26 February 25, 2025 Charlotte, NC 28269
Last Updated Jul 13, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.