- Average car insurance cost in Charlotte is $1,966 per year, or $164 per month, for a full-coverage policy.
- Models like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision are the best options for cheap car insurance in Charlotte.
How much does car insurance cost in Charlotte?
The average cost of car insurance in Charlotte is $1,966 per year, or about $164 per month for a full-coverage car insurance policy. It costs 12.2% less to insure the average vehicle in Charlotte than the overall U.S. national average rate of $2,221.
In the state of North Carolina, the average price for car insurance is $1,822 per year, so the cost in Charlotte averages $144 more per year. When compared to other cities in North Carolina, the average cost of car insurance in Charlotte is $254 per year more expensive than in Winston-Salem, $160 per year more expensive than in Greensboro, and $142 per year more than in Raleigh.
Driver age has a big impact on the cost of auto insurance. The list below details how driver age influences cost by showing average car insurance rates in Charlotte depending on driver age.
Average car insurance cost for Charlotte drivers age 16 to 60
- 16-year-old rated driver – $7,005 per year or $584 per month
- 17-year-old rated driver – $6,788 per year or $566 per month
- 18-year-old rated driver – $6,082 per year or $507 per month
- 19-year-old rated driver – $5,538 per year or $462 per month
- 20-year-old rated driver – $3,956 per year or $330 per month
- 30-year-old rated driver – $2,098 per year or $175 per month
- 40-year-old rated driver – $1,966 per year or $164 per month
- 50-year-old rated driver – $1,742 per year or $145 per month
- 60-year-old rated driver – $1,632 per year or $136 per month
The chart below displays additional costs for drivers age 20 to 60 by including rates for three different physical damage deductibles. Showing these different rates can help you understand how auto insurance rates increase with lower deductibles, and decreases when higher deductibles are used.
Average rates in the chart above range from $1,380 per year for a 60-year-old driver with $1,000 physical damage deductibles to $4,602 per year for a 20-year-old driver with $250 deductibles. Throughout this article, the rate used to compare different vehicles or locations is a 40-year-old driver with $500 policy deductibles, which has an average cost of $1,966 per year in Charlotte.
As a monthly amount, the average cost to insure a vehicle in Charlotte ranges from $115 to $384 for the risk profiles shown in the chart above.
Car insurance rates are extremely variable and can change frequently. Since there is so much rate volatility, this stresses the need to get accurate auto insurance quotes when searching online for more affordable auto insurance.
Which vehicles have the cheapest car insurance rates?
The models with the cheapest insurance rates in Charlotte, NC, tend to be small SUVs like the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Buick Envision.
Average auto insurance rates for those models cost $1,598 or less per year ($133 per month) for a policy with full coverage.
A few other vehicles that are highly ranked in the cost comparison table below are the Subaru Outback, Volkswagen Taos, Acura RDX, and Honda HR-V.
Average insurance cost is slightly more for those models than the cheapest compact SUVs and crossovers that rank at the top, but they still have average rates of $1,710 or less per year ($143 per month).
The table below lists the 25 cars, trucks, and SUVs with the cheapest insurance rates in Charlotte, ordered by cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,454 | $121 |
| 2 | Chevrolet Trailblazer | $1,476 | $123 |
| 3 | Kia Soul | $1,534 | $128 |
| 4 | Nissan Kicks | $1,548 | $129 |
| 5 | Honda Passport | $1,564 | $130 |
| 6 | Buick Envision | $1,578 | $132 |
| 7 | Toyota Corolla Cross | $1,584 | $132 |
| 8 | Hyundai Venue | $1,598 | $133 |
| 9 | Mazda CX-5 | $1,604 | $134 |
| 10 | Ford Bronco Sport | $1,610 | $134 |
| 11 | Volkswagen Tiguan | $1,628 | $136 |
| 12 | Acura RDX | $1,646 | $137 |
| 13 | Nissan Murano | $1,650 | $138 |
| 14 | Buick Encore | $1,670 | $139 |
| 15 | Honda CR-V | $1,676 | $140 |
| 16 | Subaru Outback | $1,676 | $140 |
| 17 | Buick Envista | $1,682 | $140 |
| 18 | Volkswagen Taos | $1,686 | $141 |
| 19 | Kia Niro | $1,694 | $141 |
| 20 | Subaru Ascent | $1,708 | $142 |
| 21 | Honda HR-V | $1,710 | $143 |
| 22 | Toyota GR Corolla | $1,710 | $143 |
| 23 | Nissan Leaf | $1,722 | $144 |
| 24 | Chevrolet Colorado | $1,732 | $144 |
| 25 | Honda Civic | $1,738 | $145 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Charlotte, NC Zip Codes. Updated June 26, 2025
The above table containing 25 vehicle rankings really is not a great way to present a detailed view of the cost of car insurance in Charlotte. A more efficient way to analyze rates for more vehicles in an organized fashion is to sort them by the segment they belong to. The next six sections rank the models with the cheapest auto insurance rates in Charlotte for the most popular automotive segments.
Cheapest cars to insure in Charlotte
The Toyota GR Corolla takes the top ranking for the most budget-friendly sedan or hatchback to insure in Charlotte, followed closely by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model averages $1,710 per year for a full-coverage insurance policy.
Additional cars that have cheaper rates include the Honda Accord, Toyota Prius, Kia K5, and Toyota Corolla, with average insurance cost of $1,918 per year or less.
From a monthly standpoint, car insurance in this segment for a good driver will start around $143 per month, depending on the company and where you live.
The cheapest non-luxury compact car to insure in Charlotte is the Toyota GR Corolla at $1,710 per year. For midsize cars, the Kia K5 is the cheapest model to insure at $1,894 per year. And for full-size non-luxury cars, the Chrysler 300 is the cheapest model to insure at $1,872 per year.
The rate comparison table below ranks the cars with the most affordable insurance rates in Charlotte, starting with the Toyota GR Corolla at $1,710 per year ($143 per month) and ending with the Mazda 3 at $2,034 per year ($170 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,710 | $143 |
| Nissan Leaf | Compact | $1,722 | $144 |
| Honda Civic | Compact | $1,738 | $145 |
| Nissan Sentra | Compact | $1,802 | $150 |
| Subaru Impreza | Compact | $1,808 | $151 |
| Toyota Prius | Compact | $1,838 | $153 |
| Kia K5 | Midsize | $1,894 | $158 |
| Honda Accord | Midsize | $1,898 | $158 |
| Chevrolet Malibu | Midsize | $1,908 | $159 |
| Toyota Corolla | Compact | $1,918 | $160 |
| Kia Forte | Compact | $1,920 | $160 |
| Volkswagen Arteon | Midsize | $1,932 | $161 |
| Nissan Versa | Compact | $1,938 | $162 |
| Subaru Legacy | Midsize | $1,940 | $162 |
| Hyundai Ioniq 6 | Midsize | $1,956 | $163 |
| Mitsubishi Mirage G4 | Compact | $1,986 | $166 |
| Volkswagen Jetta | Compact | $1,988 | $166 |
| Toyota Crown | Midsize | $1,990 | $166 |
| Hyundai Sonata | Midsize | $1,996 | $166 |
| Mazda 3 | Compact | $2,034 | $170 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Charlotte, NC Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see your car in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in North Carolina.
Cheapest SUVs to insure in Charlotte
Ranked at #1 in Charlotte for cheapest average insurance in the non-luxury SUV segment is the Subaru Crosstrek, at an average of $1,454 per year. Second place is the Chevrolet Trailblazer costing $1,476 per year, and ranking third is the Kia Soul, at an average of $1,534 per year.
Also ranking well in our comparison are models like the Buick Envision, Toyota Corolla Cross, Mazda CX-5, and Ford Bronco Sport, with average annual insurance rates of $1,610 per year or less.
When vehicle size is factored in, the most affordable compact SUV to insure in Charlotte is the Subaru Crosstrek at $1,454 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $1,564 per year. And for full-size SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $1,846 per year.
The table below ranks the SUVs with the most affordable car insurance in Charlotte, starting with the Subaru Crosstrek at $1,454 per year and ending with the Subaru Ascent at $1,708 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,454 | $121 |
| Chevrolet Trailblazer | Compact | $1,476 | $123 |
| Kia Soul | Compact | $1,534 | $128 |
| Nissan Kicks | Compact | $1,548 | $129 |
| Honda Passport | Midsize | $1,564 | $130 |
| Buick Envision | Compact | $1,578 | $132 |
| Toyota Corolla Cross | Compact | $1,584 | $132 |
| Hyundai Venue | Compact | $1,598 | $133 |
| Mazda CX-5 | Compact | $1,604 | $134 |
| Ford Bronco Sport | Compact | $1,610 | $134 |
| Volkswagen Tiguan | Compact | $1,628 | $136 |
| Nissan Murano | Midsize | $1,650 | $138 |
| Buick Encore | Compact | $1,670 | $139 |
| Honda CR-V | Compact | $1,676 | $140 |
| Subaru Outback | Midsize | $1,676 | $140 |
| Buick Envista | Midsize | $1,682 | $140 |
| Volkswagen Taos | Compact | $1,686 | $141 |
| Kia Niro | Compact | $1,694 | $141 |
| Subaru Ascent | Midsize | $1,708 | $142 |
| Honda HR-V | Compact | $1,710 | $143 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Charlotte, NC Zip Codes. Updated June 27, 2025
For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see rates for your SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in North Carolina.
Cheapest pickups to insure in Charlotte
Ranking highest for the cheapest Charlotte auto insurance rates in the pickup segment are the Nissan Titan, Ford Maverick, Ford Ranger, Chevrolet Colorado, and Nissan Frontier. Car insurance prices for these models average $159 or less per month.
Some other pickups that rank well include the GMC Sierra 2500 HD, Toyota Tacoma, Honda Ridgeline, and Hyundai Santa Cruz, with an average cost to insure of $2,022 per year or less.
On a monthly basis, full-coverage insurance in Charlotte on this segment for an average middle-age driver will start around $144 per month, depending on your location and insurance company. The table below ranks the pickups with the cheapest average car insurance rates in Charlotte, starting with the Chevrolet Colorado at $1,732 per year and ending with the Ram Truck at $2,274 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,732 | $144 |
| Nissan Titan | Full-size | $1,840 | $153 |
| Nissan Frontier | Midsize | $1,858 | $155 |
| Ford Ranger | Midsize | $1,878 | $157 |
| Ford Maverick | Midsize | $1,908 | $159 |
| Honda Ridgeline | Midsize | $1,952 | $163 |
| Hyundai Santa Cruz | Midsize | $1,986 | $166 |
| Toyota Tacoma | Midsize | $1,992 | $166 |
| GMC Sierra 2500 HD | Heavy Duty | $2,002 | $167 |
| GMC Canyon | Midsize | $2,022 | $169 |
| Jeep Gladiator | Midsize | $2,072 | $173 |
| GMC Sierra 3500 | Heavy Duty | $2,084 | $174 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,104 | $175 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,156 | $180 |
| GMC Sierra | Full-size | $2,172 | $181 |
| Nissan Titan XD | Heavy Duty | $2,174 | $181 |
| Chevrolet Silverado | Full-size | $2,178 | $182 |
| Ford F150 | Full-size | $2,202 | $184 |
| GMC Hummer EV Pickup | Full-size | $2,256 | $188 |
| Ram Truck | Full-size | $2,274 | $190 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Charlotte, NC Zip Codes. Updated June 26, 2025
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Don’t see insurance rates for your pickup? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in North Carolina.
Cheapest sports car insurance rates in Charlotte
Ranking highest for the most affordable Charlotte auto insurance rates in the sports car segment are the Subaru WRX, Toyota GR86, Mazda MX-5 Miata, Ford Mustang, and BMW Z4. Car insurance prices for these vehicles average $2,206 or less per year.
Rounding out the top 10 are models like the Subaru BRZ, Nissan Z, BMW M2, and Lexus RC F, with an average cost of $2,352 per year or less.
Additional models that made the list include the Jaguar F-Type, Porsche 911, Porsche 718, and Chevrolet Corvette, which cost between $2,352 and $3,332 per year for auto insurance in Charlotte.
The comparison table below ranks the sports cars with the lowest-cost car insurance in Charlotte, starting with the Mazda MX-5 Miata at $1,818 per year ($152 per month) and ending with the Porsche Taycan at $3,332 per year ($278 per month).
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,818 | $152 |
| Toyota GR86 | Sports Car | $2,072 | $173 |
| Ford Mustang | Sports Car | $2,162 | $180 |
| BMW Z4 | Sports Car | $2,174 | $181 |
| Subaru WRX | Sports Car | $2,206 | $184 |
| Toyota GR Supra | Sports Car | $2,210 | $184 |
| BMW M2 | Sports Car | $2,274 | $190 |
| Nissan Z | Sports Car | $2,278 | $190 |
| Lexus RC F | Sports Car | $2,324 | $194 |
| Subaru BRZ | Sports Car | $2,352 | $196 |
| BMW M3 | Sports Car | $2,484 | $207 |
| Porsche 718 | Sports Car | $2,532 | $211 |
| Chevrolet Camaro | Sports Car | $2,556 | $213 |
| Chevrolet Corvette | Sports Car | $2,724 | $227 |
| Porsche 911 | Sports Car | $2,818 | $235 |
| BMW M4 | Sports Car | $2,936 | $245 |
| Lexus LC 500 | Sports Car | $2,950 | $246 |
| Jaguar F-Type | Sports Car | $3,102 | $259 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,254 | $271 |
| Porsche Taycan | Sports Car | $3,332 | $278 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Charlotte, NC Zip Codes. Updated June 26, 2025
Don’t see your sports car in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in North Carolina.
Cheapest luxury car insurance rates in Charlotte
Ranking at the top of the list for the lowest-cost Charlotte car insurance rates in the luxury car segment are the Acura TLX, BMW 330i, Acura Integra, Lexus IS 300, and Mercedes-Benz CLA250. Auto insurance rates for these models average $2,034 or less per year, or around $170 per month.
Also ranking well are cars like the Cadillac CT4, Genesis G70, Lexus ES 350, and Mercedes-Benz AMG CLA35, with an average cost of $2,066 per year or less.
Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $146 per month, depending on where you live and the company you use.
The cheapest compact luxury car to insure in Charlotte is the Acura Integra at $1,748 per year. For midsize luxury models, the Mercedes-Benz CLA250 is cheapest to insure at $2,022 per year. And for full-size luxury cars, the Audi A5 is cheapest to insure at $2,336 per year.
The table below ranks the twenty luxury cars with the lowest-cost auto insurance rates in Charlotte.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,748 | $146 |
| BMW 330i | Compact | $2,002 | $167 |
| Mercedes-Benz CLA250 | Midsize | $2,022 | $169 |
| Lexus IS 300 | Midsize | $2,026 | $169 |
| Acura TLX | Compact | $2,034 | $170 |
| Cadillac CT4 | Compact | $2,052 | $171 |
| Lexus ES 350 | Midsize | $2,052 | $171 |
| Genesis G70 | Compact | $2,058 | $172 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,060 | $172 |
| Lexus RC 300 | Midsize | $2,066 | $172 |
| Lexus IS 350 | Compact | $2,074 | $173 |
| Jaguar XF | Midsize | $2,080 | $173 |
| Cadillac CT5 | Midsize | $2,120 | $177 |
| Lexus ES 250 | Midsize | $2,126 | $177 |
| Lexus RC 350 | Compact | $2,132 | $178 |
| BMW 330e | Compact | $2,134 | $178 |
| BMW 228i | Compact | $2,138 | $178 |
| BMW 230i | Compact | $2,156 | $180 |
| Lexus ES 300h | Midsize | $2,158 | $180 |
| Audi S3 | Compact | $2,206 | $184 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Charlotte, NC Zip Codes. Updated June 26, 2025
For all luxury car insurance comparisons, see our full luxury car insurance guide.
Looking for rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Charlotte car insurance quotes from top-rated companies in North Carolina.
Cheapest luxury SUV insurance rates in Charlotte
The Acura RDX ranks #1 as the cheapest luxury SUV to insure in Charlotte, followed by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model averages $1,646 per year for a policy with full coverage.
Other luxury SUVs that have cheaper rates include the Lexus UX 250h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 450h, with average insurance cost of $1,896 per year or less.
When prices are compared by vehicle size, the lowest-cost small luxury SUV to insure in Charlotte is the Acura RDX at $1,646 per year. For midsize luxury models, the Jaguar E-Pace has the cheapest rates at $1,840 per year. And for large luxury SUV models, the Infiniti QX80 is the cheapest model to insure at $2,206 per year.
The table below ranks the SUVs with the lowest-cost average insurance rates in Charlotte, starting with the Acura RDX at $137 per month and ending with the Lexus RX 350 at $165 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,646 | $137 |
| Lexus NX 250 | Compact | $1,740 | $145 |
| Cadillac XT4 | Compact | $1,776 | $148 |
| Jaguar E-Pace | Midsize | $1,840 | $153 |
| Lexus NX 350h | Compact | $1,854 | $155 |
| Cadillac XT5 | Midsize | $1,856 | $155 |
| Lincoln Corsair | Compact | $1,878 | $157 |
| Mercedes-Benz GLB 250 | Compact | $1,880 | $157 |
| Lexus UX 250h | Compact | $1,884 | $157 |
| Lexus NX 450h | Compact | $1,896 | $158 |
| Infiniti QX50 | Midsize | $1,912 | $159 |
| Mercedes-Benz GLA250 | Compact | $1,916 | $160 |
| Cadillac XT6 | Midsize | $1,924 | $160 |
| Mercedes-Benz GLA35 AMG | Compact | $1,924 | $160 |
| Infiniti QX60 | Midsize | $1,936 | $161 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,938 | $162 |
| Land Rover Evoque | Compact | $1,962 | $164 |
| Acura MDX | Midsize | $1,966 | $164 |
| Lexus NX 350 | Compact | $1,972 | $164 |
| Lexus RX 350 | Midsize | $1,976 | $165 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Charlotte, NC Zip Codes. Updated June 26, 2025
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Don’t see rates for your luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in North Carolina.
Car insurance cost examples
To illustrate the amount auto insurance premiums can range for different applicants (and also emphasize the importance of accurate rate quotes), the charts below have detailed rates for five popular models in Charlotte: the Ford F150, Nissan Sentra, Honda CR-V, Honda Accord, and Toyota Supra.
Each illustration uses a variety of risk profiles to show the price difference based on driver risk and policy deductibles.
Ford F150 insurance rates
Average Ford F150 insurance in Charlotte costs from $1,848 up to $2,558 per year. The most affordable model to insure is the $46,195 F150 XL Super Cab 4WD, while the most expensive is the $100,090 F150 Lightning Platinum Black Special Edition trim level.
When Charlotte insurance rates for the Ford F150 are compared with the national average cost for the same model, rates are $352 to $484 cheaper per year in Charlotte, depending on the exact trim being insured.
The chart below should help you understand how car insurance rates for a Ford F150 can be very different based on driver age, risk profiles, and policy deductibles. In this example, cost ranges from $1,824 to $5,084 per year, which is a difference of $3,260 just for changes in rated drivers.
The Ford F150 is part of the full-size truck segment, and other top-selling models from the same segment include the Ram Truck, Nissan Titan, and Chevrolet Silverado.
Nissan Sentra insurance rates
Nissan Sentra insurance in Charlotte averages $1,802 per year, with a range of $1,762 per year for the Sentra S trim level up to $1,852 per year on the Sentra SR trim level.
The rate chart below shows how the price of car insurance for a Nissan Sentra can vary based on different driver ages, physical damage deductibles, and driver risk profiles.
For our example drivers, rates range from $1,498 to $4,096 per year, which is a difference in cost of $2,598 caused simply by changing the rated driver.
The Nissan Sentra is part of the compact car segment, and other models popular in Charlotte include the Chevrolet Cruze, Volkswagen Jetta, and Hyundai Elantra.
Honda CR-V insurance rates
Honda CR-V insurance in Charlotte averages $1,676 per year, with rates ranging from a low of $1,588 per year for the CR-V LX trim (MSRP of $29,500) up to $1,770 per year for the CR-V Sport Touring Hybrid AWD trim level (MSRP of $39,850).
From a cost per month standpoint, auto insurance on the Honda CR-V can range from $132 to $148 per month, depending on exact policy limits and your Zip Code in Charlotte.
The next rate chart can help explain how insurance rates on a Honda CR-V can range considerably based on different driver ages and common risk profiles. For our selected driver profiles, prices range from $1,392 to $3,854 per year, which is a difference in cost of $2,462 based on different drivers.
The Honda CR-V belongs to the compact SUV segment, and additional similar models from the same segment include the Mazda CX-5, Nissan Rogue, and Subaru Forester.
Honda Accord insurance rates
Average Honda Accord insurance cost in Charlotte ranges from $1,832 to $1,950 per year. The lowest-cost car insurance quotes are on the $34,190 Accord EX-L Hybrid trim level, while the most expensive model to insure is the $27,895 Accord LX trim level.
From a monthly standpoint, auto insurance on a Honda Accord can cost from $153 to $163 per month, depending on policy limits and your address in Charlotte.
The bar chart below should help you understand how auto insurance quotes for a Honda Accord can range considerably based on changes in the age of the driver, policy physical damage deductibles, and risk scenarios.
The Honda Accord is part of the midsize car segment, and additional models from the same segment that are popular in Charlotte include the Hyundai Sonata, Chevrolet Malibu, Kia K5, and Toyota Camry.
Toyota GR Supra insurance rates
With sticker prices ranging from $45,540 to $64,375, average Charlotte insurance rates for a 2024 Toyota GR Supra range from $2,088 per year for the GR Supra 2.0 Coupe model up to $2,374 per year for the GR Supra 45th Anniversary Edition.
When Charlotte auto insurance rates for the Toyota GR Supra are compared with the average cost for the entire U.S. on the same model, rates are anywhere from $400 to $452 cheaper per year in Charlotte, depending on the specific model being insured.
The chart below demonstrates how auto insurance quotes for a Toyota GR Supra can be very different for different driver ages, physical damage deductibles, and driver risk profiles.
The Toyota GR Supra is part of the sports car segment, and other popular same-segment models include the Nissan 370Z, Subaru BRZ, and Ford Mustang.
Helpful tips to save on car insurance
Resourceful drivers in Charlotte should always be thinking of ways to reduce their monthly auto insurance expenses. So read through the money-saving tips in the list below and maybe you’ll be able to save some money.
- Get a discount from your occupation. The large majority of car insurance companies offer policy discounts for being employed in occupations like architects, accountants, doctors, scientists, police officers and law enforcement, and others. Being employed in a qualifying occupation may save between $59 and $191 on your annual car insurance bill, depending on the policy coverages selected.
- Be a careful driver and pay less for car insurance. Too frequent at-fault accidents can raise rates, possibly up to $952 per year for a 30-year-old driver and as much as $596 per year for a 50-year-old driver. So drive safe and save money!
- Choose a vehicle that is more affordable to insure. The make and model of vehicle you drive has a significant impact on the price you pay for auto insurance. For example, a Subaru Forester costs $804 less per year to insure in Charlotte than a Chevrolet Camaro. Drive cheaper models and save money.
- Earn policy discounts to save money. Savings may be available if the insureds sign their policy early, drive low annual mileage, belong to certain professional organizations, are military or federal employees, are accident-free, or many other policy discounts which could save the average Charlotte driver as much as $334 per year.
- Reduce coverage on older cars. Deleting comprehensive and collision coverage from older vehicles that are no longer worth much will cut the cost of insurance substantially.
- Don’t be dumb behind the wheel. In order to have cheap car insurance in Charlotte, it’s necessary to be a good, safe driver. In fact, just a couple traffic citations can potentially raise insurance rates by as much as $522 per year.