Car Insurance in Charlotte
Numbers refreshed
These are the North Carolina averages behind car insurance prices in Charlotte, plus how people there drive.
- $103Full coverage: the North Carolina average per month.
- State minimum limits are 50/100/50.
How much drivers around Charlotte pay
For full coverage, the North Carolina average comes to $1,233 a year, and the legal minimum averages $503. A big city usually costs more than the state average because of heavier traffic, more claims and more theft.
| Coverage in North Carolina | Per year | Per month |
|---|---|---|
| Liability | $503 | $42 |
| Collision | $497 | $41 |
| Comprehensive | $233 | $19 |
| Full coverage (all three) | $1,233 | $103 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving within Charlotte
| Census figure | Charlotte |
|---|---|
| People | 903,844 |
| Average trip to work | 25 minutes |
| Drive to work alone | 57% |
| Homes with no car | 6% |
| Median household income | $82,068 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate for you
With The North Carolina calculator, the price comes from your age, your record and your car. You can find the state's rules on North Carolina car insurance requirements.
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