Charlotte NC Car Insurance – 2023 Cheapest Rates + Comparisons

What does average Charlotte car insurance cost? Not only do we find the overall most affordable cars, trucks, and SUVs to insure, we break them out by automotive segment to truly find the cheapest auto insurance in Charlotte.

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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 25.8% 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Charlotte car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Charlotte zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Charlotte, NC
Average Car Insurance Cost in Charlotte, NC
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,106$176
$500$2,488$207
$250$2,890$241
30$1,000$1,106$92
$500$1,318$110
$250$1,540$128
40$1,000$1,056$88
$500$1,250$104
$250$1,454$121
50$1,000$962$80
$500$1,138$95
$250$1,322$110
60$1,000$944$79
$500$1,118$93
$250$1,298$108

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.

Top 25 Cheapest Vehicles to Insure in Charlotte
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$944$79
2Subaru Crosstrek$954$80
3Nissan Kicks$956$80
4Honda Passport$970$81
5Nissan Rogue Sport$974$81
6Mazda CX-5$980$82
7Buick Encore$994$83
8Buick Envision$998$83
9Kia Seltos$1,012$84
10Subaru Ascent$1,014$85
11Hyundai Venue$1,020$85
12Subaru Impreza$1,034$86
13Ford Maverick$1,036$86
14Honda HR-V$1,036$86
15Chevrolet Colorado$1,038$87
16Acura RDX$1,042$87
17Hyundai Kona$1,046$87
18Subaru Forester$1,052$88
19Ford Edge$1,058$88
20Honda CR-V$1,060$88
21Ford Explorer$1,062$89
22Mazda CX-30$1,062$89
23Volkswagen Atlas$1,066$89
24Chevrolet Trax$1,072$89
25Nissan Murano$1,072$89

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Charlotte, NC.Data last updated on December 29, 2022
    Top 25 Cheapest Vehicles to Insure in Charlotte

    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).

    Cheapest Car Insurance in Charlotte
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,034$86
    Volkswagen JettaCompact$1,142$95
    Subaru LegacyMidsize$1,150$96
    Nissan SentraCompact$1,160$97
    Toyota CorollaCompact$1,172$98
    Volkswagen GolfCompact$1,174$98
    Toyota PriusCompact$1,176$98
    Toyota CamryMidsize$1,186$99
    Mazda 3Compact$1,196$100
    Kia K5Midsize$1,204$100
    Chevrolet MalibuMidsize$1,214$101
    Chrysler 300Full-size$1,218$102
    Honda CivicCompact$1,224$102
    Kia ForteCompact$1,226$102
    Mitsubishi Mirage G4Compact$1,234$103
    Nissan LeafCompact$1,258$105
    Honda AccordMidsize$1,264$105
    Toyota CrownMidsize$1,268$106
    Tesla Model 3Midsize$1,278$107
    Volkswagen ArteonMidsize$1,310$109

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Charlotte, NC.Data last updated on December 29, 2022
      Cheapest Car Insurance in Charlotte

      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.

      Cheapest SUV Insurance in Charlotte
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$944$79
      Subaru CrosstrekCompact$954$80
      Nissan KicksCompact$956$80
      Honda PassportMidsize$970$81
      Nissan Rogue SportCompact$974$81
      Mazda CX-5Compact$980$82
      Buick EncoreCompact$994$83
      Buick EnvisionCompact$998$83
      Kia SeltosCompact$1,012$84
      Subaru AscentMidsize$1,014$85
      Hyundai VenueCompact$1,020$85
      Honda HR-VCompact$1,036$86
      Hyundai KonaCompact$1,046$87
      Subaru ForesterCompact$1,052$88
      Ford EdgeMidsize$1,058$88
      Honda CR-VCompact$1,060$88
      Ford ExplorerMidsize$1,062$89
      Mazda CX-30Compact$1,062$89
      Volkswagen AtlasMidsize$1,066$89
      Chevrolet TraxCompact$1,072$89

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Charlotte, NC.Data last updated on December 29, 2022
        Cheapest SUV Insurance in Charlotte

        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.

        Cheapest Pickup Insurance in Charlotte
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Ford MaverickMidsize$1,036$86
        Chevrolet ColoradoMidsize$1,038$87
        Nissan FrontierMidsize$1,078$90
        Ford RangerMidsize$1,108$92
        GMC CanyonMidsize$1,134$95
        Toyota TacomaMidsize$1,144$95
        Hyundai Santa CruzMidsize$1,162$97
        Nissan TitanFull-size$1,236$103
        Honda RidgelineMidsize$1,240$103
        Ford F150Full-size$1,268$106
        GMC Sierra 2500 HDHeavy Duty$1,280$107
        Jeep GladiatorMidsize$1,298$108
        Toyota TundraFull-size$1,312$109
        GMC Sierra 3500Heavy Duty$1,320$110
        GMC SierraFull-size$1,362$114
        Chevrolet SilveradoFull-size$1,366$114
        Ram TruckFull-size$1,366$114
        Chevrolet Silverado HD 2500Heavy Duty$1,370$114
        Chevrolet Silverado HD 3500Heavy Duty$1,374$115
        Nissan Titan XDHeavy Duty$1,396$116

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Charlotte, NC.Data last updated on December 30, 2022
          Cheapest Pickup Insurance in Charlotte

          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).

          Cheapest Sports Car Insurance in Charlotte
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$1,152$96
          Audi TTSports Car$1,294$108
          Ford MustangSports Car$1,354$113
          BMW Z4Sports Car$1,364$114
          Subaru WRXSports Car$1,378$115
          Nissan ZSports Car$1,400$117
          Toyota GR SupraSports Car$1,422$119
          BMW M2Sports Car$1,442$120
          Toyota GR86Sports Car$1,442$120
          Subaru BRZSports Car$1,506$126
          Chevrolet CorvetteSports Car$1,540$128
          BMW M3Sports Car$1,574$131
          Lexus RC FSports Car$1,608$134
          Porsche 718Sports Car$1,610$134
          Chevrolet CamaroSports Car$1,636$136
          Mercedes-Benz AMG GT53Sports Car$1,732$144
          Jaguar F-TypeSports Car$1,792$149
          Porsche TaycanSports Car$1,832$153
          BMW M4Sports Car$1,856$155
          Lexus LC 500Sports Car$1,878$157

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Charlotte, NC.Data last updated on December 30, 2022
            Cheapest Sports Car Insurance in Charlotte

            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.

            Cheapest Luxury Car Insurance in Charlotte
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura IntegraCompact$1,122$94
            BMW 330iCompact$1,268$106
            Acura TLXCompact$1,288$107
            Cadillac CT4Compact$1,304$109
            Genesis G70Compact$1,330$111
            Cadillac CT5Midsize$1,344$112
            Lexus ES 350Midsize$1,346$112
            BMW 330eCompact$1,352$113
            Lexus ES 250Midsize$1,354$113
            BMW 228iCompact$1,358$113
            Lexus RC 300Midsize$1,358$113
            Mercedes-Benz AMG CLA35Midsize$1,360$113
            Audi A3Midsize$1,366$114
            BMW 230iCompact$1,368$114
            Mercedes-Benz C300Compact$1,380$115
            Audi A4Compact$1,382$115
            Lexus RC 350Compact$1,384$115
            Audi S3Compact$1,392$116
            Mercedes-Benz AMG CLA45Midsize$1,392$116
            Volvo S60Compact$1,394$116

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Charlotte, NC.Data last updated on December 30, 2022
              Cheapest Luxury Car Insurance in Charlotte

              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.

              Cheapest Luxury SUV Insurance in Charlotte
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$1,042$87
              Lexus RX 350Midsize$1,118$93
              Cadillac XT4Compact$1,128$94
              Volvo XC40Compact$1,148$96
              Infiniti QX50Midsize$1,156$96
              Lexus UX 250hCompact$1,168$97
              Cadillac XT5Midsize$1,186$99
              Mercedes-Benz GLA250Compact$1,212$101
              Cadillac XT6Midsize$1,214$101
              Mercedes-Benz GLB 250Compact$1,216$101
              Lexus NX 250Compact$1,230$103
              Acura MDXMidsize$1,242$104
              Lexus NX 350hCompact$1,246$104
              Lexus NX 350Compact$1,254$105
              Lexus NX 450hCompact$1,256$105
              Lincoln CorsairCompact$1,256$105
              Lincoln NautilusMidsize$1,264$105
              Alfa Romeo TonaleCompact$1,268$106
              BMW X1Compact$1,268$106
              Mercedes-Benz GLC300Compact$1,272$106

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Charlotte, NC.Data last updated on December 30, 2022
                Cheapest Luxury SUV Insurance in Charlotte

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Charlotte includes all Zip Codes and vehicle trim levels.Data last updated on December 29, 2022
                Ford F150 Insurance Cost in Charlotte
                2023 Ford F150 Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,862$239
                Safe Driver Age 20$2,510$209
                At-fault Accidents Age 40$1,782$149
                Low Deductibles Age 40$1,650$138
                Safe Driver Age 30$1,338$112
                Safe Driver Age 40$1,268$106
                Safe Driver Age 50$1,156$96
                Safe Driver Age 60$1,134$95
                High Deductibles Age 40$1,070$89
                Discount Rate Age 40$1,054$88

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Charlotte includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
                Nissan Sentra Insurance Cost in Charlotte
                2023 Nissan Sentra Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,590$216
                Safe Driver Age 20$2,272$189
                At-fault Accidents Age 40$1,634$136
                Low Deductibles Age 40$1,460$122
                Safe Driver Age 30$1,210$101
                Safe Driver Age 40$1,160$97
                Safe Driver Age 50$1,054$88
                Safe Driver Age 60$1,032$86
                High Deductibles Age 40$998$83
                Discount Rate Age 40$960$80

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Charlotte includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
                Honda CR-V Insurance Cost in Charlotte
                2023 Honda CR-V Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,420$202
                Safe Driver Age 20$2,120$177
                At-fault Accidents Age 40$1,502$125
                Low Deductibles Age 40$1,376$115
                Safe Driver Age 30$1,112$93
                Safe Driver Age 40$1,060$88
                Safe Driver Age 50$966$81
                Safe Driver Age 60$948$79
                High Deductibles Age 40$896$75
                Discount Rate Age 40$878$73

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Charlotte includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
                Honda Accord Insurance Cost in Charlotte
                2023 Honda Accord Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,882$240
                Safe Driver Age 20$2,526$211
                At-fault Accidents Age 40$1,786$149
                Low Deductibles Age 40$1,656$138
                Safe Driver Age 30$1,334$111
                Safe Driver Age 40$1,264$105
                Safe Driver Age 50$1,150$96
                Safe Driver Age 60$1,130$94
                High Deductibles Age 40$1,062$89
                Discount Rate Age 40$1,046$87

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 model year Toyota GR Supra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota GR Supra car insurance cost in Charlotte includes all Zip Codes and vehicle trim levels.Data last updated on December 30, 2022
                Toyota GR Supra Insurance Cost in Charlotte
                2023 Toyota GR Supra Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,216$268
                Safe Driver Age 20$2,820$235
                At-fault Accidents Age 40$1,998$167
                Low Deductibles Age 40$1,872$156
                Safe Driver Age 30$1,506$126
                Safe Driver Age 40$1,422$119
                Safe Driver Age 50$1,294$108
                Safe Driver Age 60$1,272$106
                High Deductibles Age 40$1,192$99
                Discount Rate Age 40$1,180$98

                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.