Table Of Content
- Cheapest car insurance for drivers with a DUI: Midvale Home & Auto
- Cheapest car insurance for drivers with a speeding ticket in Charlotte, NC
- North Carolina State Minimum Liability Coverage Requirements
- Cheapest Full-Coverage Car Insurance in Charlotte
- Nationwide is a trusted auto insurance provider in Charlotte
- Shop for Car Insurance in North Carolina

According to a study by Insurance.com, the cheapest car insurance companies in Charlotte for 2023 are Erie Insurance and North Carolina Farm Bureau. Unless stated otherwise, we used thousands of car insurance quotes from across Houston for a 30-year-old man. It charges drivers with bad credit an average of $4,519 a year, which is 71% more than the Farm Bureau’s rate. State Farm is next-cheapest for Houston drivers with a conviction for driving under the influence (DUI). The company charges 18-year-olds an average of $943 a year for liability car insurance, or $79 a month. This is 64% less than Houston’s average of $2,624 a year, or $219 a month.
Cheapest car insurance for drivers with a DUI: Midvale Home & Auto
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. That means drivers also might be interested in going beyond the minimums and protecting their own vehicles by purchasing insurance beyond the minimum, such as comprehensive and collision coverage. The cost of coverage in Charlotte compares favorably to other major cities. Charlotte drivers pay more than other North Carolina drivers – the statewide rate is $1,741 annually, compared with Charlotte’s $1,824.
Cheapest car insurance for drivers with a speeding ticket in Charlotte, NC
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Finding the right car insurance at an affordable price can seem complicated, so it's important to consider the most important factors to you and compare all your options. Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. If you drive in Houston, you need to show proof that you can pay for accidents you may cause. The actual price for SR-22 insurance depends largely on the offense that led to the filing requirement. If you have a prior DUI, you usually pay more for car insurance than someone caught driving without insurance.
North Carolina State Minimum Liability Coverage Requirements

Liberty Mutual understands that everyone has individual needs when it comes to their North Carolina auto insurance. Some might want the cheapest North Carolina car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your North Carolina car insurance, so you only pay for what you need. Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can help you save money on North Carolina auto insurance with a customized policy so you only pay for what you need.
Cheapest Full-Coverage Car Insurance in Charlotte
Dairyland® , Erie , North Carolina Farm Bureau and Auto-Owners Insurance Co are also in the top 5 cheapest rates available. For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available.
Nationwide is a trusted auto insurance provider in Charlotte
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Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Charlotte according to NerdWallet’s most recent analysis. Car insurance in Charlotte costs $1,824 per year for full coverage – $152 monthly.
However, only current and former members of the military and their families can buy insurance from USAA. "Full coverage" car insurance can mean different things to different people. Legally, in the state of North Carolina you're only required to have the state minimum coverage.
What's considered "full coverage" car insurance in North Carolina?
However, each person has a different insurance preference and a unique driving profile, so it may be beneficial to research each provider and get quotes from your top choices. Furthermore, several companies on our list generally offer attractive rates, presenting an opportunity for budget-conscious drivers to find savings. Drivers in their 50s have cheaper car insurance rates than most other age groups on average.
Shop for Car Insurance in North Carolina
Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash. State Farm is another affordable option for the city’s teen drivers, though, charging $89 a month, on average. Car insurance rates are based on several factors, with your driving record being just one. Because of this, NC Farm Bureau may be the most affordable for you, but it also may not be. NC Farm Bureau is the best source for cheap car insurance in Charlotte after a speeding ticket, charging $96 a month for a full-coverage policy.
Texas Farm Bureau has the cheapest car insurance quotes for young drivers in Houston. Liability car insurance covers injuries and property damage to others in an accident you cause. Full coverage includes collision and comprehensive, which covers damage to your vehicle. To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
We do not guarantee favorable reviews or any coverage at all in exchange for compensation. Methodology The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria.