Charlotte NC Car Insurance – 2022 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.

Start QuoteCompare Charlotte car insurance rates and save on your next policy.

How much does car insurance cost in Charlotte?

The average cost of car insurance in Charlotte is $1,088 per year, or about $91 per month for a full-coverage car insurance policy. It costs 29.9% less to insure the average vehicle in Charlotte than the overall U.S. national average rate of $1,551.

In the state of North Carolina, the average price for car insurance is $966 per year, so the cost in Charlotte averages $122 more per year. When compared to other cities in North Carolina, the average cost of car insurance in Charlotte is $248 per year more expensive than in Winston-Salem, $156 per year more expensive than in Greensboro, and $140 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 – $3,904 per year or $325 per month
  • 17-year-old rated driver – $3,646 per year or $304 per month
  • 18-year-old rated driver – $3,404 per year or $284 per month
  • 19-year-old rated driver – $3,078 per year or $257 per month
  • 20-year-old rated driver – $2,162 per year or $180 per month
  • 30-year-old rated driver – $1,148 per year or $96 per month
  • 40-year-old rated driver – $1,088 per year or $91 per month
  • 50-year-old rated driver – $990 per year or $83 per month
  • 60-year-old rated driver – $972 per year or $81 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 2022 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 May 19, 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$1,836$153
$500$2,162$180
$250$2,506$209
30$1,000$962$80
$500$1,148$96
$250$1,336$111
40$1,000$920$77
$500$1,088$91
$250$1,264$105
50$1,000$840$70
$500$990$83
$250$1,150$96
60$1,000$824$69
$500$972$81
$250$1,128$94

Average rates in the chart above range from $824 per year for a 60-year-old driver with $1,000 physical damage deductibles to $2,506 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 $1,088 per year in Charlotte.

As a monthly amount, the average cost to insure a vehicle in Charlotte ranges from $69 to $209 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 Nissan Kicks, Chevrolet Trailblazer, Subaru Crosstrek, and Toyota C-HR.

Average auto insurance rates for those models cost $908 or less per year ($76 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 Ascent, Subaru Impreza, Kia Seltos, and Mazda MX-5 Miata.

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 $942 or less per year ($79 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
1Mazda CX-5$828$69
2Nissan Kicks$852$71
3Chevrolet Trailblazer$856$71
4Honda Passport$874$73
5Subaru Crosstrek$874$73
6Chevrolet Colorado$898$75
7Buick Encore$900$75
8Toyota C-HR$902$75
9Nissan Rogue Sport$908$76
10Buick Envision$926$77
11Hyundai Venue$926$77
12Kia Seltos$930$78
13Ford Maverick$932$78
14Acura RDX$934$78
15Subaru Ascent$936$78
16Toyota Corolla Cross$936$78
17Mazda MX-5 Miata$942$79
18Hyundai Kona$944$79
19Subaru Forester$944$79
20Subaru Impreza$946$79
21Volkswagen Tiguan$946$79
22Chevrolet Spark$950$79
23Honda CR-V$954$80
24Cadillac XT4$956$80
25Mazda CX-30$964$80

    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 March 24, 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 Chevrolet Spark, Volkswagen Golf, Subaru Legacy, and Volkswagen Jetta. The 2022 model averages $946 per year for a full-coverage insurance policy.

    Additional cars that have cheaper rates include the Kia K5, Honda Insight, Nissan Sentra, and Toyota Camry, with average insurance cost of $1,072 per year or less.

    From a monthly standpoint, car insurance in this segment for a good driver will start around $79 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 $946 per year. For midsize cars, the Subaru Legacy is the cheapest model to insure at $1,058 per year. And for full-size non-luxury cars, the Toyota Avalon is the cheapest model to insure at $1,144 per year.

    The rate comparison table below ranks the cars with the most affordable insurance rates in Charlotte, starting with the Subaru Impreza at $946 per year ($79 per month) and ending with the Chevrolet Malibu at $1,132 per year ($94 per month).

    Cheapest Car Insurance in Charlotte
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$946$79
    Chevrolet SparkCompact$950$79
    Volkswagen GolfCompact$1,048$87
    Subaru LegacyMidsize$1,058$88
    Honda InsightMidsize$1,060$88
    Volkswagen JettaCompact$1,060$88
    Nissan SentraCompact$1,062$89
    Kia K5Midsize$1,072$89
    Toyota CamryMidsize$1,072$89
    Toyota CorollaCompact$1,072$89
    Kia RioCompact$1,074$90
    Mazda 3Compact$1,078$90
    Volkswagen PassatMidsize$1,078$90
    Honda CivicCompact$1,080$90
    Mazda 6Midsize$1,086$91
    Toyota PriusCompact$1,088$91
    Hyundai AccentCompact$1,102$92
    Hyundai VelosterCompact$1,114$93
    Kia ForteCompact$1,114$93
    Chevrolet MalibuMidsize$1,132$94

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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 March 24, 2022
      Cheapest Car Insurance in Charlotte

      The most popular vehicles in Charlotte don’t always have the cheapest auto insurance rates. Some popular non-luxury cars with more expensive car insurance rates than the models shown above include the Volkswagen GTI costing an average of $1,092 per year, the Toyota Avalon costing $1,118, and the Nissan Maxima at an average of $1,188.

      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 Mazda CX-5, at an average of $828 per year. Second place is the Nissan Kicks costing $852 per year, and ranking third is the Chevrolet Trailblazer, at an average of $856 per year.

      Also ranking well in our comparison are models like the Toyota C-HR, Buick Encore, Hyundai Venue, and Buick Envision, with average annual insurance rates of $926 per year or less.

      When vehicle size is factored in, the most affordable compact SUV to insure in Charlotte is the Mazda CX-5 at $828 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $874 per year. And for full-size SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $1,094 per year.

      The table below ranks the SUVs with the most affordable car insurance in Charlotte, starting with the Mazda CX-5 at $828 per year and ending with the Ford Edge at $982 per year.

      Cheapest SUV Insurance in Charlotte
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$828$69
      Nissan KicksCompact$852$71
      Chevrolet TrailblazerCompact$856$71
      Honda PassportMidsize$874$73
      Subaru CrosstrekCompact$874$73
      Buick EncoreCompact$900$75
      Toyota C-HRCompact$902$75
      Nissan Rogue SportCompact$908$76
      Buick EnvisionCompact$926$77
      Hyundai VenueCompact$926$77
      Kia SeltosCompact$930$78
      Subaru AscentMidsize$936$78
      Toyota Corolla CrossCompact$936$78
      Hyundai KonaCompact$944$79
      Subaru ForesterCompact$944$79
      Volkswagen TiguanCompact$946$79
      Honda CR-VCompact$954$80
      Mazda CX-30Compact$964$80
      Honda HR-VCompact$978$82
      Ford EdgeMidsize$982$82

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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 March 24, 2022
        Cheapest SUV Insurance in Charlotte

        Some of the more popular SUV models that did not make the cut include the Chevrolet Traverse at $1,122 per year, the Hyundai Santa Fe at $1,136, and the Subaru Forester at an average of $944.

        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 Ford Maverick, Nissan Frontier, Toyota Tacoma, Chevrolet Colorado, and Ford Ranger. Car insurance prices for these models average $87 or less per month.

        Some other pickups that rank well include the Honda Ridgeline, Ford F150, GMC Canyon, and Hyundai Santa Cruz, with an average cost to insure of $1,072 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 $75 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 $898 per year and ending with the GMC Sierra 3500 at $1,282 per year.

        Cheapest Pickup Insurance in Charlotte
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$898$75
        Ford MaverickMidsize$932$78
        Ford RangerMidsize$968$81
        Toyota TacomaMidsize$1,014$85
        Nissan FrontierMidsize$1,038$87
        GMC CanyonMidsize$1,044$87
        Hyundai Santa CruzMidsize$1,048$87
        Ford F150Full-size$1,054$88
        Honda RidgelineMidsize$1,062$89
        Jeep GladiatorMidsize$1,072$89
        GMC SierraFull-size$1,110$93
        Nissan TitanFull-size$1,150$96
        Chevrolet SilveradoFull-size$1,168$97
        Toyota TundraFull-size$1,172$98
        Ford F350 Super DutyHeavy Duty$1,184$99
        Chevrolet Silverado HD 3500Heavy Duty$1,194$100
        Nissan Titan XDHeavy Duty$1,224$102
        Ram TruckFull-size$1,246$104
        GMC Sierra 2500 HDHeavy Duty$1,272$106
        GMC Sierra 3500Heavy Duty$1,282$107

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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 March 9, 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 Toyota GR86, Ford Mustang, Mazda MX-5 Miata, BMW Z4, and Subaru WRX. Car insurance prices for these vehicles average $1,270 or less per year.

          Rounding out the top 10 are models like the BMW M3, Chevrolet Corvette, Audi TT, and Subaru BRZ, with an average cost of $1,412 per year or less.

          Additional models that made the list include the Porsche 911, Mercedes-Benz AMG GT53, Chevrolet Camaro, and Dodge Challenger, which cost between $1,412 and $1,796 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 $942 per year ($79 per month) and ending with the Lexus LC 500 at $1,796 per year ($150 per month).

          Cheapest Sports Car Insurance in Charlotte
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$942$79
          Ford MustangSports Car$1,148$96
          BMW Z4Sports Car$1,174$98
          Subaru WRXSports Car$1,240$103
          Toyota GR86Sports Car$1,270$106
          Toyota GR SupraSports Car$1,300$108
          Audi TTSports Car$1,328$111
          Subaru BRZSports Car$1,368$114
          Chevrolet CorvetteSports Car$1,374$115
          BMW M3Sports Car$1,412$118
          Porsche 718Sports Car$1,472$123
          Chevrolet CamaroSports Car$1,508$126
          Lexus RC FSports Car$1,540$128
          Dodge ChallengerSports Car$1,550$129
          Mercedes-Benz AMG GT53Sports Car$1,576$131
          Jaguar F-TypeSports Car$1,648$137
          Porsche TaycanSports Car$1,692$141
          Porsche 911Sports Car$1,732$144
          BMW M4Sports Car$1,736$145
          Lexus LC 500Sports Car$1,796$150

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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 April 2, 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 Volvo S60, Mercedes-Benz A220, Acura ILX, Acura TLX, and BMW 330i. Auto insurance rates for these models average $1,170 or less per year, or around $98 per month.

            Also ranking well are cars like the BMW 330e, BMW 230i, BMW 228i, and Lexus RC 300, with an average cost of $1,210 per year or less.

            Full-coverage auto insurance in this segment for a middle-age safe driver starts at around $84 per month, depending on where you live and the company you use.

            The cheapest compact luxury car to insure in Charlotte is the Mercedes-Benz A220 at $1,070 per year. For midsize luxury models, the Acura ILX is cheapest to insure at $1,004 per year. And for full-size luxury cars, the Audi A5 is cheapest to insure at $1,278 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 ILXMidsize$1,004$84
            Mercedes-Benz A220Compact$1,070$89
            BMW 330iCompact$1,152$96
            Acura TLXCompact$1,160$97
            Volvo S60Compact$1,170$98
            BMW 330eCompact$1,174$98
            BMW 228iCompact$1,182$99
            BMW 230iCompact$1,188$99
            Lexus RC 300Midsize$1,206$101
            Alfa Romeo GiuliaCompact$1,210$101
            Cadillac CT4Compact$1,212$101
            Lexus RC 350Compact$1,212$101
            Genesis G70Compact$1,230$103
            Mercedes-Benz AMG CLA35Midsize$1,238$103
            BMW i4Midsize$1,244$104
            Cadillac CT5Midsize$1,248$104
            Audi A3Midsize$1,260$105
            Audi A4Compact$1,264$105
            Mercedes-Benz AMG CLA45Midsize$1,266$106
            Audi S3Compact$1,268$106

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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 March 13, 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 Cadillac XT4, Volvo XC40, Cadillac XT5, and Lexus NX 250. The 2022 model averages $934 per year for a policy with full coverage.

              Other luxury SUVs that have cheaper rates include the Lexus NX 350, Lexus UX 250h, Lexus NX 350h, and Lexus UX 200, with average insurance cost of $1,114 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 $934 per year. For midsize luxury models, the Cadillac XT5 has the cheapest rates at $1,072 per year. And for large luxury SUV models, the Volvo XC90 is the cheapest model to insure at $1,180 per year.

              The table below ranks the SUVs with the lowest-cost average insurance rates in Charlotte, starting with the Acura RDX at $78 per month and ending with the Lincoln Corsair at $96 per month.

              Cheapest Luxury SUV Insurance in Charlotte
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$934$78
              Cadillac XT4Compact$956$80
              Volvo XC40Compact$1,048$87
              Cadillac XT5Midsize$1,072$89
              Lexus NX 250Compact$1,084$90
              BMW X1Compact$1,088$91
              Lexus NX 350hCompact$1,092$91
              Lexus UX 250hCompact$1,092$91
              Lexus NX 350Compact$1,112$93
              Lexus UX 200Compact$1,114$93
              Jaguar E-PaceMidsize$1,118$93
              Lexus RX 350Midsize$1,122$94
              Acura MDXMidsize$1,126$94
              Lincoln NautilusMidsize$1,140$95
              Lexus NX 450hCompact$1,142$95
              Mercedes-Benz GLB 250Compact$1,146$96
              Lexus RX 450hMidsize$1,148$96
              Infiniti QX50Midsize$1,152$96
              Land Rover EvoqueCompact$1,152$96
              Lincoln CorsairCompact$1,154$96

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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 March 13, 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 $910 up to $1,200 per year. The most affordable model to insure is the $32,790 F150 XL Regular Cab 4WD, while the most expensive is the $73,105 F150 Limited SuperCrew 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 $464 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 $874 to $2,382 per year, which is a difference of $1,508 just for changes in rated drivers.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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 May 19, 2022
                Ford F150 Insurance Cost in Charlotte
                Ford F150 Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,382$199
                Safe Driver Age 20$2,086$174
                At-fault Accidents Age 40$1,486$124
                Low Deductibles Age 40$1,360$113
                Safe Driver Age 30$1,108$92
                Safe Driver Age 40$1,054$88
                Safe Driver Age 50$958$80
                Safe Driver Age 60$940$78
                High Deductibles Age 40$896$75
                Discount Rate Age 40$874$73

                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 $1,062 per year, with a range of $1,020 per year for the Sentra S trim level up to $1,112 per year on the Sentra SR Premium 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 $882 to $2,378 per year, which is a difference in cost of $1,496 caused simply by changing the rated driver.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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 May 19, 2022
                Nissan Sentra Insurance Cost in Charlotte
                Nissan Sentra Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,378$198
                Safe Driver Age 20$2,084$174
                At-fault Accidents Age 40$1,496$125
                Low Deductibles Age 40$1,342$112
                Safe Driver Age 30$1,108$92
                Safe Driver Age 40$1,062$89
                Safe Driver Age 50$966$81
                Safe Driver Age 60$946$79
                High Deductibles Age 40$916$76
                Discount Rate Age 40$882$74

                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 $954 per year, with rates ranging from a low of $898 per year for the CR-V LX trim (MSRP of $26,400) up to $1,018 per year for the CR-V Hybrid Touring trim level (MSRP of $37,400).

                From a cost per month standpoint, auto insurance on the Honda CR-V can range from $75 to $85 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 $794 to $2,172 per year, which is a difference in cost of $1,378 based on different drivers.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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 May 19, 2022
                Honda CR-V Insurance Cost in Charlotte
                Honda CR-V Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,172$181
                Safe Driver Age 20$1,904$159
                At-fault Accidents Age 40$1,348$112
                Low Deductibles Age 40$1,240$103
                Safe Driver Age 30$1,006$84
                Safe Driver Age 40$954$80
                Safe Driver Age 50$870$73
                Safe Driver Age 60$856$71
                High Deductibles Age 40$808$67
                Discount Rate Age 40$794$66

                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 $1,042 to $1,254 per year. The lowest-cost car insurance quotes are on the $27,320 Accord Hybrid trim level, while the most expensive model to insure is the $38,050 Accord Touring trim level.

                From a monthly standpoint, auto insurance on a Honda Accord can cost from $87 to $105 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 2022 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 May 19, 2022
                Honda Accord Insurance Cost in Charlotte
                Honda Accord Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,598$217
                Safe Driver Age 20$2,274$190
                At-fault Accidents Age 40$1,610$134
                Low Deductibles Age 40$1,490$124
                Safe Driver Age 30$1,198$100
                Safe Driver Age 40$1,138$95
                Safe Driver Age 50$1,036$86
                Safe Driver Age 60$1,020$85
                High Deductibles Age 40$960$80
                Discount Rate Age 40$944$79

                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 $43,290 to $63,380, average Charlotte insurance rates for a 2022 Toyota GR Supra range from $1,204 per year for the GR Supra 2.0 Coupe model up to $1,380 per year for the GR Supra A91-CF 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 $468 to $536 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 2022 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 May 19, 2022
                Toyota GR Supra Insurance Cost in Charlotte
                Toyota GR Supra Insurance Cost in Charlotte, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,934$245
                Safe Driver Age 20$2,572$214
                At-fault Accidents Age 40$1,822$152
                Low Deductibles Age 40$1,710$143
                Safe Driver Age 30$1,372$114
                Safe Driver Age 40$1,300$108
                Safe Driver Age 50$1,180$98
                Safe Driver Age 60$1,158$97
                High Deductibles Age 40$1,088$91
                Discount Rate Age 40$1,078$90

                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 $33 and $114 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 $504 per year for a 30-year-old driver and as much as $350 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 $564 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 $182 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 $286 per year.