Cheapest car insurance in Charlotte, North Carolina

North Carolina requires minimum liability coverage of 30/60/25, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Pulled directly from carrier rate filings for this city.

With 897,720 residents, Charlotte sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 66% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 37% more than the national baseline we track.