Auto Insurance in Charlotte, NC

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What’s Up, Charlotte, North Carolina, (NC)?

As the largest city and metropolitan area within North Carolina, it’s no surprise that Charlotte is affectionately referred to as the ‘Queen City.’ Almost 3 million people call this area home as it has so much to offer. It remains one of the fastest-growing cities, with the greatest population growth in the nation when it comes to millennials. Large corporations such as Bank of America and Wells Fargo have major operations here. The presence of other major financial institutions means Charlotte’s in the money as the second-largest banking center in the nation. Seven Fortune 500 companies are located in Greater Charlotte, including companies like Honeywell, Duke Energy and Lowe’s to name a few. Major operations in energy and trucking/transportation means many roads lead to Charlotte, cementing its status as one of the best places for big business and big careers.

There’s a lot to do here and Charlotteans have their pick when it comes to entertainment and culture. Sports buffs enjoy the athletic endeavors of the NFL’s Carolina Panthers and the NBA’s Charlotte Hornets. If you love fast cars and loud engines, Charlotte, NC is the heart of the country’s motorsports industry. The only American Formula One team, Haas F1 is located here as well as the offices of NASCAR, the NASCAR Hall of Fame and the Charlotte Motor Speedway. When you consider the vibrancy of the arts, festival and food scenes, you can understand that quite a bit of motoring takes place outside of the Speedway. Before you can start your motors, it’s critical that you purchase car insurance in Charlotte, NC.

Head Over Tar Heels

If you live in the Tar Heel State, you’re required by law to carry liability insurance from a provider that is authorized to operate within state borders. This means that it’s important that you understand and have sufficient car insurance in Charlotte. Most residents don’t have several hundred thousands of dollars to pay for losses and other claims out of pocket. Car insurance in Charlotte, NC protects you, your family and others that you encounter from costs arising from bodily injuries, property damage, theft and more. Failure to carry insurance will result in fines, penalties and potential revoking of your vehicle’s license plate.

As you shop for car insurance in Charlotte, look for plans that include these coverages:

  • Collision: Costs and damages for vehicle repair or replacement following a crash
  • Comprehensive: Theft, vandalism, weather damage and other losses not resulting from a collision
  • Bodily injury: Addresses medical expenses of other people involved in an incident who aren’t on your policy
  • Personal injury: Medical bills, lost income and funeral expenses for the insured, which includes everyone named on your plan for car insurance in Charlotte, NC
  • Property damage: Costs related to damaged property besides the vehicle
  • Underinsured or uninsured motorist coverage: Covers you for expenses related to replacement or repair with another driver with too little or no liability coverage

The state of North Carolina requires drivers to carry at least $30,000 for one person or $60,000 for two or more people for bodily injury protection. Your policy needs to cover at least $25,000 for property damage. Charlotte, NC is home to big business and its fair share of high-dollar vehicles. It’s up to you to make sure that you have sufficient coverage for the type of cars and driving that you encounter in this corner of the world.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

Auto insurance in North Carolina by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.