Charlotte, NC Car Insurance

Free quotes from multiple companies in minutes

$886

The average Charlotte resident's annual cost of car premium coverage

43%

Our customer's average savings after comparing insurance

153

That's equal to 153 slices of pizza or $381 in savings

Compare Charlotte, NC Car Insurance quotes from multiple companies in minutes!

Whether you live in Charlotte, Huntersville, Matthews, Cornelius, Mint Hill or somewhere else in Mecklenburg County, Insurox offers choices for car insurance that could help you save hundreds of dollars a year.

Why spending 15 or even 7 ½ minutes online and receive only one quote and not get the best offer?

For the same time you can get over ten car insurance quotes and COMPARE side-by-side, all in a matter of minutes and then buy and manage your insurance policies online.

We don’t work for the insurance company! We work for you! Our job is to shop for you and find the best solution for you.

As a proud member of the North Carolina community, we offer discounts to members of various college alumni groups, employers and associations across the state.

They say no road is long with good company. 225,168 miles of road across the Tar Heel State is pretty long so you better find a good insurance company.
Let us help you make the best choice for your car insurance.

Charlotte, North Carolina Car Insurance Coverage Information

In Charlotte, North Carolina you are legally required to have these minimum coverages:

Liability

Bodily Injury $30,000 per person
Bodily Injury $60,000 per accident
Property Damage $25,000 per accident

Uninsured/Underinsured Motorist

Bodily Injury $30,000 per person
Bodily Injury $60,000 per accident
Property Damage $25,000 per accident


Liability coverage is legally required in North Carolina and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident.

The coverage limits are determined by each individual state and normally split into three categories.

In North Carolina, the minimum coverage is listed as 30/60/25 and explained below:

  • $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in North Carolina and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault.

The coverage limits are determined by each individual state and normally split into two categories.

In North Carolina, the minimum is listed as 30/60 and explained below:

  • $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
  • $25,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured driver.

Most people opt for higher amounts of auto insurance coverage than the North Carolina minimum in order to protect themselves in case of an accident.

Did you know this about the Tar Heel State?

North Carolina is ranked #35 in the US for uninsured drivers
Babe Ruth hit his first home run in Fayetteville on March 7, 1914.
You can use digital insurance cards in North Carolina
Beech Mountain is Eastern America's highest town at 5,506ft above sea level.
Licensed drivers
68%
Uninsured drivers
18%
Population
318m