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Cheapest Auto Insurance in Charlotte, NC

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 Average Insurance Rate
North Carolina$1085
Mint Hill$1490

Car Insurance Rates by Segment

 All MenMarried MenAll WomenMarried Women
Indian Trail12721254907851
North Carolina147514531052987

Senior Car Insurance Rates

 Senior WomenSenior MenAll Seniors
North Carolina134513231323

If you live in Charlotte, you’re fortunate enough to live in one of North Carolina’s best cities. While Charlotte does attract plenty of tourists every year, there are also tons of residents that call this beautiful area home. If you’re one of these residents, you know how important your car is to your daily life – without your car, it might be next to impossible to navigate the city. If you’re going to own a car in Charlotte, you also need to make sure that you have car insurance.

Auto insurance can be expensive and we highly advise you get an insurance estimate before committing to a specific car. If you want to reduce the cost, you can use a company like ours to help you do car insurance rates comparisons. In addition, you can reduce the chances that you’re given high premiums by ensuring you’re a safe driver. This article will give you all the information you need to be as safe as possible on the roads of Charlotte, North Carolina.

Charlotte: Driving Conditions in the City

If you’re driving in Charlotte, you don’t have way too much to worry about in terms of natural hazards. This being said, it does occasionally snow, which means that there can be issues in terms of icy roads and limited visibility. In addition, the city is not prepared to deal with large amounts of snow, so the area pretty much shuts down when it gets too cold.

In addition, there are certain areas of Charlotte that are best avoided if you want to steer clear of potential car damage or theft. East Charlotte can be quite dangerous – if you don’t live in the area, it’s best not to leave your car there if you want to reduce your risk as much as possible.

Driving Safely in Charlotte, North Carolina

Driving as safely as possible is a great way to reduce the chances you’re offered a high premium. Many insurance companies look at driving records when trying to determine whether or not to provide a quote. Those with better driving records can often be given much lower prices. Below are some of the most prevalent driving laws in the city of Charlotte:

Phone/Handheld Laws in Charlotte

In the state of North Carolina, you are not allowed to text on the phone while you’re driving. But if you are over the age of 18, you can use your phone to make calls. If you’re under the age of 18, any type of phone use is banned. While it may be legal for adults to make calls on their phones, we recommend you avoid this at all costs. Distracted driving has caused serious accidents throughout the country – you don’t want to put your life at risk just to use your phone.

Seatbelt and Car Seat Laws in Charlotte

Using a seatbelt is mandatory in all of North Carolina – it doesn’t matter how old you are. If you are the driver of the vehicle, you are also responsible for ensuring that anyone under the age of 16 is wearing a seatbelt.

In terms of car seats, if a child is under the age of eight or under the weight of 80 lbs., they must use a car seat that is appropriate for their size – or a booster seat. These seats must be properly secured in order to ensure the safety of the passenger. The safety of your children should be your utmost priority when you are driving in Charlotte.

Helmet Laws in Charlotte

North Carolina doesn’t mess around when it comes to helmet laws anywhere in the state. You have to wear a helmet while operating a motorcycle – it doesn’t matter if you are over the age of 21 or not. Passengers must also wear helmets on a motorcycle as well. Regardless of state law, it’s always important to wear a helmet when you’re on a motorcycle. Those who do not wear helmets are seriously putting their lives at risk – with so much exposure to the road, not wearing a helmet can be very deadly.

Alcohol and Drug Laws (Driving)

Impairment laws in North Carolina depend on a range of different factors. There are five different levels that you can be charged with – it depends on the severity of your impairment and how many times you have been caught in the past. The lowest charge can result in up to a $200 fine and jail sentence of 24 hours, the highest charge can include a fine of up to $3,000 and one month to two years in prison! Don't forget about insurance costs because SR22 insurance, the type you likely need after a DUI, will cost a lot more. We do help you find the best SR22 insurance companies though.

If you have been caught multiple times, you might face felony charges. Those caught three times in seven years are very likely to face a felony charge. Keep in mind a DWI is given to individuals who blow .08 or over in terms of BAC level. This limit is reduced to .04 for those operating commercial vehicles. If you are under the age of 21, you should never consume alcohol and drive as the limit can be judged much lower.

Cheapest Auto Insurance in Charlotte, North Carolina

Charlotte Statistics

North Carolina isn’t known for having safe roads. In fact, the current rate of road fatalities is higher than the national average. If you’re going to operate a vehicle on roads in Charlotte, or anywhere else in North Carolina, it’s important to be as vigilant as possible. But it’s not only roads in the state that you have to be careful about, car thieves are also a major issue.

In Charlotte, car theft has been on the rise. In fact, in early 2017, it appeared car theft might be around 60 percent higher than the previous year. If you want to protect against this type of loss, it’s always important to have a comprehensive insurance plan.


Our company can help you find cheap car insurance in NC. Make sure to check out the insurance companies on our website. We also have plenty of great information for those who want to learn more about getting auto insurance online and what you should look for in a great policy – check out our content before you leave our page!

Car Insurance Companies in Charlotte

Cheapest Auto Insurance in Charlotte,North Carolina
Map data © 2021 Google.

Mitchell Insurance Services LLC

6701 N Tryon St ste u, Charlotte, NC 28213, USA

(704) 596-9991


A1 Insurance

537 W Sugar Creek Rd # 104B, Charlotte, NC 28213, USA

(704) 598-4442


All Points Insurance

3901 Monroe Rd # C, Charlotte, NC 28205, USA

(704) 566-9298


Direct Auto and Life Insurance

5025 N Tryon St Suite 105, Charlotte, NC 28213, USA

(704) 264-3011


Pegram Insurance

6824 Albemarle Rd ste e, Charlotte, NC 28212, USA

(704) 536-1919


Hix Insurance Center

2729 N Tryon St, Charlotte, NC 28206, USA

(704) 377-7094

Auto Body Shops in Charlotte

Auto Body Shops in Charlotte,North Carolina
Map data © 2021 Google.

Body Works Plus

525 Parkwood Ave, Charlotte, NC 28206, USA

(704) 332-4404


Dee Gainey's Body Shop Inc

1537 S Mint St, Charlotte, NC 28203, USA

(704) 375-9255


Abra Auto Body Repair of America, Formerly Wilburn

10421 S Tryon St, Charlotte, NC 28273, USA

(704) 496-7700


KC Starnes Auto Body Inc

5700 Old Pineville Rd, Charlotte, NC 28217, USA

(704) 523-3415


Midwood Auto Craft

712 Anderson St, Charlotte, NC 28205, USA

(704) 375-4410


Moore's Body Shop

825 N Graham St, Charlotte, NC 28206, USA

(704) 372-6655

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