- Average car insurance cost in Charlotte is $1,250 per year, or $104 per month, for a full-coverage policy.
- Models like the Chevrolet Trailblazer, Subaru Crosstrek, and Mazda CX-5 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 $1,250 per year, or about $104 per month for a full-coverage car insurance policy. It costs 29.6% less to insure the average vehicle in Charlotte than the overall U.S. national average rate of $1,685.
In the state of North Carolina, the average price for car insurance is $1,100 per year, so the cost in Charlotte averages $150 more per year. When compared to other cities in North Carolina, the average cost of car insurance in Charlotte is $260 per year more expensive than in Winston-Salem, $162 per year more expensive than in Greensboro, and $144 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 – $4,474 per year or $373 per month
- 17-year-old rated driver – $4,186 per year or $349 per month
- 18-year-old rated driver – $3,908 per year or $326 per month
- 19-year-old rated driver – $3,540 per year or $295 per month
- 20-year-old rated driver – $2,488 per year or $207 per month
- 30-year-old rated driver – $1,318 per year or $110 per month
- 40-year-old rated driver – $1,250 per year or $104 per month
- 50-year-old rated driver – $1,138 per year or $95 per month
- 60-year-old rated driver – $1,118 per year or $93 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 $944 per year for a 60-year-old driver with $1,000 physical damage deductibles to $2,890 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 $1,250 per year in Charlotte.
As a monthly amount, the average cost to insure a vehicle in Charlotte ranges from $79 to $241 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 Subaru Crosstrek, Nissan Kicks, Nissan Rogue Sport, and Mazda CX-5.
Average auto insurance rates for those models cost $998 or less per year ($83 per month) for a policy with full coverage.
A few other vehicles that are highly ranked in the cost comparison table below are the Acura RDX, Subaru Forester, Subaru Impreza, and Honda CR-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 $1,060 or less per year ($88 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 Cost | Monthly Cost |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $944 | $79 |
| 2 | Subaru Crosstrek | $954 | $80 |
| 3 | Nissan Kicks | $956 | $80 |
| 4 | Honda Passport | $970 | $81 |
| 5 | Nissan Rogue Sport | $974 | $81 |
| 6 | Mazda CX-5 | $980 | $82 |
| 7 | Buick Encore | $994 | $83 |
| 8 | Buick Envision | $998 | $83 |
| 9 | Kia Seltos | $1,012 | $84 |
| 10 | Subaru Ascent | $1,014 | $85 |
| 11 | Hyundai Venue | $1,020 | $85 |
| 12 | Subaru Impreza | $1,034 | $86 |
| 13 | Ford Maverick | $1,036 | $86 |
| 14 | Honda HR-V | $1,036 | $86 |
| 15 | Chevrolet Colorado | $1,038 | $87 |
| 16 | Acura RDX | $1,042 | $87 |
| 17 | Hyundai Kona | $1,046 | $87 |
| 18 | Subaru Forester | $1,052 | $88 |
| 19 | Ford Edge | $1,058 | $88 |
| 20 | Honda CR-V | $1,060 | $88 |
| 21 | Ford Explorer | $1,062 | $89 |
| 22 | Mazda CX-30 | $1,062 | $89 |
| 23 | Volkswagen Atlas | $1,066 | $89 |
| 24 | Chevrolet Trax | $1,072 | $89 |
| 25 | Nissan Murano | $1,072 | $89 |
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 Subaru Impreza takes the top ranking for the most budget-friendly sedan or hatchback to insure in Charlotte, followed closely by the Volkswagen Jetta, Subaru Legacy, Nissan Sentra, and Toyota Corolla. The 2023 model averages $1,034 per year for a full-coverage insurance policy.
Additional cars that have cheaper rates include the Toyota Camry, Volkswagen Golf, Toyota Prius, and Kia K5, with average insurance cost of $1,204 per year or less.
From a monthly standpoint, car insurance in this segment for a good driver will start around $86 per month, depending on the company and where you live.
The cheapest non-luxury compact car to insure in Charlotte is the Subaru Impreza at $1,034 per year. For midsize cars, the Subaru Legacy is the cheapest model to insure at $1,150 per year. And for full-size non-luxury cars, the Chrysler 300 is the cheapest model to insure at $1,218 per year.
The rate comparison table below ranks the cars with the most affordable insurance rates in Charlotte, starting with the Subaru Impreza at $1,034 per year ($86 per month) and ending with the Volkswagen Arteon at $1,310 per year ($109 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,034 | $86 |
| Volkswagen Jetta | Compact | $1,142 | $95 |
| Subaru Legacy | Midsize | $1,150 | $96 |
| Nissan Sentra | Compact | $1,160 | $97 |
| Toyota Corolla | Compact | $1,172 | $98 |
| Volkswagen Golf | Compact | $1,174 | $98 |
| Toyota Prius | Compact | $1,176 | $98 |
| Toyota Camry | Midsize | $1,186 | $99 |
| Mazda 3 | Compact | $1,196 | $100 |
| Kia K5 | Midsize | $1,204 | $100 |
| Chevrolet Malibu | Midsize | $1,214 | $101 |
| Chrysler 300 | Full-size | $1,218 | $102 |
| Honda Civic | Compact | $1,224 | $102 |
| Kia Forte | Compact | $1,226 | $102 |
| Mitsubishi Mirage G4 | Compact | $1,234 | $103 |
| Nissan Leaf | Compact | $1,258 | $105 |
| Honda Accord | Midsize | $1,264 | $105 |
| Toyota Crown | Midsize | $1,268 | $106 |
| Tesla Model 3 | Midsize | $1,278 | $107 |
| Volkswagen Arteon | Midsize | $1,310 | $109 |
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 Chevrolet Trailblazer, at an average of $944 per year. Second place is the Subaru Crosstrek costing $954 per year, and ranking third is the Nissan Kicks, at an average of $956 per year.
Also ranking well in our comparison are models like the Mazda CX-5, Buick Encore, Kia Seltos, and Subaru Ascent, with average annual insurance rates of $1,014 per year or less.
When vehicle size is factored in, the most affordable compact SUV to insure in Charlotte is the Chevrolet Trailblazer at $944 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $970 per year. And for full-size SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $1,170 per year.
The table below ranks the SUVs with the most affordable car insurance in Charlotte, starting with the Chevrolet Trailblazer at $944 per year and ending with the Chevrolet Trax at $1,072 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $944 | $79 |
| Subaru Crosstrek | Compact | $954 | $80 |
| Nissan Kicks | Compact | $956 | $80 |
| Honda Passport | Midsize | $970 | $81 |
| Nissan Rogue Sport | Compact | $974 | $81 |
| Mazda CX-5 | Compact | $980 | $82 |
| Buick Encore | Compact | $994 | $83 |
| Buick Envision | Compact | $998 | $83 |
| Kia Seltos | Compact | $1,012 | $84 |
| Subaru Ascent | Midsize | $1,014 | $85 |
| Hyundai Venue | Compact | $1,020 | $85 |
| Honda HR-V | Compact | $1,036 | $86 |
| Hyundai Kona | Compact | $1,046 | $87 |
| Subaru Forester | Compact | $1,052 | $88 |
| Ford Edge | Midsize | $1,058 | $88 |
| Honda CR-V | Compact | $1,060 | $88 |
| Ford Explorer | Midsize | $1,062 | $89 |
| Mazda CX-30 | Compact | $1,062 | $89 |
| Volkswagen Atlas | Midsize | $1,066 | $89 |
| Chevrolet Trax | Compact | $1,072 | $89 |
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 Chevrolet Colorado, GMC Canyon, Ford Ranger, Ford Maverick, and Nissan Frontier. Car insurance prices for these models average $95 or less per month.
Some other pickups that rank well include the Honda Ridgeline, Nissan Titan, Toyota Tacoma, and Hyundai Santa Cruz, with an average cost to insure of $1,268 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 $86 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 Ford Maverick at $1,036 per year and ending with the Nissan Titan XD at $1,396 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,036 | $86 |
| Chevrolet Colorado | Midsize | $1,038 | $87 |
| Nissan Frontier | Midsize | $1,078 | $90 |
| Ford Ranger | Midsize | $1,108 | $92 |
| GMC Canyon | Midsize | $1,134 | $95 |
| Toyota Tacoma | Midsize | $1,144 | $95 |
| Hyundai Santa Cruz | Midsize | $1,162 | $97 |
| Nissan Titan | Full-size | $1,236 | $103 |
| Honda Ridgeline | Midsize | $1,240 | $103 |
| Ford F150 | Full-size | $1,268 | $106 |
| GMC Sierra 2500 HD | Heavy Duty | $1,280 | $107 |
| Jeep Gladiator | Midsize | $1,298 | $108 |
| Toyota Tundra | Full-size | $1,312 | $109 |
| GMC Sierra 3500 | Heavy Duty | $1,320 | $110 |
| GMC Sierra | Full-size | $1,362 | $114 |
| Chevrolet Silverado | Full-size | $1,366 | $114 |
| Ram Truck | Full-size | $1,366 | $114 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $1,370 | $114 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,374 | $115 |
| Nissan Titan XD | Heavy Duty | $1,396 | $116 |
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, Audi TT, Mazda MX-5 Miata, Ford Mustang, and BMW Z4. Car insurance prices for these vehicles average $1,378 or less per year.
Rounding out the top 10 are models like the Subaru BRZ, Toyota GR86, Toyota GR Supra, and BMW M2, with an average cost of $1,506 per year or less.
Additional models that made the list include the Porsche Taycan, Chevrolet Camaro, BMW M3, and Porsche 718, which cost between $1,506 and $1,878 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 $1,152 per year ($96 per month) and ending with the Lexus LC 500 at $1,878 per year ($157 per month).
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,152 | $96 |
| Audi TT | Sports Car | $1,294 | $108 |
| Ford Mustang | Sports Car | $1,354 | $113 |
| BMW Z4 | Sports Car | $1,364 | $114 |
| Subaru WRX | Sports Car | $1,378 | $115 |
| Nissan Z | Sports Car | $1,400 | $117 |
| Toyota GR Supra | Sports Car | $1,422 | $119 |
| BMW M2 | Sports Car | $1,442 | $120 |
| Toyota GR86 | Sports Car | $1,442 | $120 |
| Subaru BRZ | Sports Car | $1,506 | $126 |
| Chevrolet Corvette | Sports Car | $1,540 | $128 |
| BMW M3 | Sports Car | $1,574 | $131 |
| Lexus RC F | Sports Car | $1,608 | $134 |
| Porsche 718 | Sports Car | $1,610 | $134 |
| Chevrolet Camaro | Sports Car | $1,636 | $136 |
| Mercedes-Benz AMG GT53 | Sports Car | $1,732 | $144 |
| Jaguar F-Type | Sports Car | $1,792 | $149 |
| Porsche Taycan | Sports Car | $1,832 | $153 |
| BMW M4 | Sports Car | $1,856 | $155 |
| Lexus LC 500 | Sports Car | $1,878 | $157 |
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 Genesis G70, BMW 330i, Acura Integra, Cadillac CT4, and Acura TLX. Auto insurance rates for these models average $1,330 or less per year, or around $111 per month.
Also ranking well are cars like the Cadillac CT5, BMW 330e, Lexus ES 350, and Lexus ES 250, with an average cost of $1,358 per year or less.
Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $94 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 $1,122 per year. For midsize luxury models, the Cadillac CT5 is cheapest to insure at $1,344 per year. And for full-size luxury cars, the Audi A5 is cheapest to insure at $1,400 per year.
The table below ranks the twenty luxury cars with the lowest-cost auto insurance rates in Charlotte.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,122 | $94 |
| BMW 330i | Compact | $1,268 | $106 |
| Acura TLX | Compact | $1,288 | $107 |
| Cadillac CT4 | Compact | $1,304 | $109 |
| Genesis G70 | Compact | $1,330 | $111 |
| Cadillac CT5 | Midsize | $1,344 | $112 |
| Lexus ES 350 | Midsize | $1,346 | $112 |
| BMW 330e | Compact | $1,352 | $113 |
| Lexus ES 250 | Midsize | $1,354 | $113 |
| BMW 228i | Compact | $1,358 | $113 |
| Lexus RC 300 | Midsize | $1,358 | $113 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,360 | $113 |
| Audi A3 | Midsize | $1,366 | $114 |
| BMW 230i | Compact | $1,368 | $114 |
| Mercedes-Benz C300 | Compact | $1,380 | $115 |
| Audi A4 | Compact | $1,382 | $115 |
| Lexus RC 350 | Compact | $1,384 | $115 |
| Audi S3 | Compact | $1,392 | $116 |
| Mercedes-Benz AMG CLA45 | Midsize | $1,392 | $116 |
| Volvo S60 | Compact | $1,394 | $116 |
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 RX 350, Cadillac XT4, Volvo XC40, and Infiniti QX50. The 2023 model averages $1,042 per year for a policy with full coverage.
Other luxury SUVs that have cheaper rates include the Cadillac XT6, Mercedes-Benz GLA250, Cadillac XT5, and Mercedes-Benz GLB 250, with average insurance cost of $1,216 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 $1,042 per year. For midsize luxury models, the Lexus RX 350 has the cheapest rates at $1,118 per year. And for large luxury SUV models, the Volvo XC90 is the cheapest model to insure at $1,286 per year.
The table below ranks the SUVs with the lowest-cost average insurance rates in Charlotte, starting with the Acura RDX at $87 per month and ending with the Mercedes-Benz GLC300 at $106 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,042 | $87 |
| Lexus RX 350 | Midsize | $1,118 | $93 |
| Cadillac XT4 | Compact | $1,128 | $94 |
| Volvo XC40 | Compact | $1,148 | $96 |
| Infiniti QX50 | Midsize | $1,156 | $96 |
| Lexus UX 250h | Compact | $1,168 | $97 |
| Cadillac XT5 | Midsize | $1,186 | $99 |
| Mercedes-Benz GLA250 | Compact | $1,212 | $101 |
| Cadillac XT6 | Midsize | $1,214 | $101 |
| Mercedes-Benz GLB 250 | Compact | $1,216 | $101 |
| Lexus NX 250 | Compact | $1,230 | $103 |
| Acura MDX | Midsize | $1,242 | $104 |
| Lexus NX 350h | Compact | $1,246 | $104 |
| Lexus NX 350 | Compact | $1,254 | $105 |
| Lexus NX 450h | Compact | $1,256 | $105 |
| Lincoln Corsair | Compact | $1,256 | $105 |
| Lincoln Nautilus | Midsize | $1,264 | $105 |
| Alfa Romeo Tonale | Compact | $1,268 | $106 |
| BMW X1 | Compact | $1,268 | $106 |
| Mercedes-Benz GLC300 | Compact | $1,272 | $106 |
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 $1,086 up to $1,402 per year. The most affordable model to insure is the $42,995 F150 XL Super Cab 4WD, while the most expensive is the $96,874 F150 Lightning Platinum trim level.
When Charlotte insurance rates for the Ford F150 are compared with the national average cost for the same model, rates are $448 to $578 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 $1,054 to $2,862 per year, which is a difference of $1,808 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 $1,160 per year, with a range of $1,124 per year for the Sentra S trim level up to $1,188 per year on the Sentra SR Midnight Edition 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 $960 to $2,590 per year, which is a difference in cost of $1,630 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 $1,060 per year, with rates ranging from a low of $1,024 per year for the CR-V EX trim (MSRP of $31,110) up to $1,112 per year for the CR-V Sport Touring Hybrid AWD trim level (MSRP of $38,600).
From a cost per month standpoint, auto insurance on the Honda CR-V can range from $85 to $93 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 $878 to $2,420 per year, which is a difference in cost of $1,542 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 $1,168 to $1,372 per year. The lowest-cost car insurance quotes are on the $27,720 Accord Hybrid trim level, while the most expensive model to insure is the $38,450 Accord Touring trim level.
From a monthly standpoint, auto insurance on a Honda Accord can cost from $97 to $114 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 $43,540 to $58,345, average Charlotte insurance rates for a 2023 Toyota GR Supra range from $1,326 per year for the GR Supra 2.0 Coupe model up to $1,480 per year for the GR Supra A91-MT 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 $546 to $610 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 $38 and $126 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 $582 per year for a 30-year-old driver and as much as $402 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 $584 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 $214 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 $328 per year.
