Full Coverage Car Insurance in Charlotte


Providing a seamless experience to help you find full coverage options in the city.





Why You Should Get Full Coverage Car Insurance in Charlotte



Have you searched for the cheapest, full coverage car insurance in Charlotte but decided on the minimal coverage required due to the cost difference? It may seem like you got a great deal, but you might regret not getting complete, full coverage car insurance. This could be problematic if you get in an accident, and you discover after the fact that your insurance provider won’t cover the repair expenses on your vehicle. Unfortunately, numerous drivers in Charlotte have found this out the hard way. Paying for full coverage car insurance in Charlotte offers you greater protection than the mandated minimums, particularly for accidents that are not your fault. However, this does mean coverage is more expensive. The trade off with the high prices of full coverage car insurance is peace of mind—you, your car, and other people involved in the accident are covered. Consider getting full coverage car insurance in Charlotte if you have a new car and drive often, own a house, and have assets to protect.

Percentage of Traffic Fatalities Caused by Alcohol in Charlotte

24 %

Percentage of Traffic Fatalities Caused by Speeding in Charlotte

18 %

Percentage of Traffic Fatalities Involving Cyclists in Charlotte

30 %

Percentage of Traffic Fatalities Involving Pedestrians in Charlotte

12 %


Average Price of Full Coverage Car Insurance in Charlotte by Credit Score



  • 1,990.31

    Very Poor (300-579)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 1,250.92

    Fair (580-669)

    Average Cost of Car Insurance for those with a very poor credit history.

  • 1,048.07

    Good (670-739)

    Average Cost of Car Insurance for those with a good credit history.

  • 981.29

    Very Good (740-799)

    Average Cost of Car Insurance for those with a very good credit history.



What’s Included if You Get Full Coverage Car Insurance in Charlotte

Complete full coverage auto insurance coverage isn’t a single type of coverage, but rather a combination of protection. “Complete full coverage” may have originated within finance to summarize the combination of coverages required to finance or lease a car. Generally, it is comprised of collision and comprehensive coverage that protects your car when it is damaged and liability coverage, which helps you in the case of accidents and/or damages that you cause to others. Collision insurance pays for the cost of repairs on your vehicle if you are responsible for the collision. Complete auto insurance coverage tends to be more expensive than liability coverage is by itself, so it might be best to look for cheaper prices. In summary, full coverage is a combination of liability, comprehensive, and crash coverage.
cheap full coverage car insurance Charlotte NC content image

Paying for full coverage car insurance in Charlotte offers you greater protection than the mandated minimums, particularly for accidents that are not your fault


When Do You Not Need Full Coverage Car Insurance


If you have an older vehicle, it might make more sense to skip collision coverage in Charlotte. Let us explain. In this example, say your vehicle is worth $2,500, and you have a $1,000 deductible. If you get in an accident, your Charlotte insurance provider will contribute $1,500 (at most) to fix or replace your vehicle. Keep in mind, your insurance coverage will not kick in unless you get in a major accident—one with over $1,000 in damages. Meaning, you might be spending over $200 annually by paying for collision insurance that may not be advantageous for you. Setting money aside and creating an emergency fund, should the worst happen, is a financially sound idea that helps prepare you. By law, you are required to carry liability insurance. Having liability insurance ensures that other people’s bodily or property damages are covered by your insurance when you are at fault. So, if you have an older car, you may want to opt for just getting liability insurance coverage.

Percentage of Traffic Fatalities Caused by Alcohol in Charlotte

20 %

Percentage of Traffic Fatalities Caused by Speeding in Charlotte

20 %

Percentage of Traffic Fatalities Involving Pedestrians in Charlotte

29 %



How Much More You'll Pay for Full Coverage in Charlotte By Age


Age DemographicPercentage More You'll Pay
Full Coverage in Charlotte for Drivers Between 16-192,965.08
Full Coverage in Charlotte for Drivers Between 20-291,637.06
Full Coverage in Charlotte for Drivers Between 30-391,479.60
Full Coverage in Charlotte for Drivers Between 40-491,444.31
Full Coverage in Charlotte for Drivers Between 50-591,371.00
Full Coverage in Charlotte for Drivers Between 60-691,385.94
Full Coverage in Charlotte for Drivers Between 70-791,320.78



How to Get the Best Full Coverage Car Insurance in Charlotte

Having full coverage car insurance in Charlotte will be more expensive than other types of coverage, but there are ways to make it low-cost to save you money on the annual bill. First, regulate your deductible on your car insurance plan. The lower your deductible, the more you will end up spending for full coverage car insurance each month. As previously mentioned, if you budget your finances to create an accident fund, you can increase your deductible and have lower monthly payments. Second, make sure to claim the discounts for which you are entitled. Comparison shopping for estimates can save you thousands each year on your car insurance bill. There are a multitude of insurance companies in Charlotte vying for your business, and many will vary by hundreds of dollars in their prices. If you do not compare quotes from various insurance providers, you will never know if you are truly getting the best quote on a full coverage car insurance plan.


Getting coverage car insurance in Charlotte will be more expensive than other types of coverages, but there are ways to make it low-cost and save you money on your bill.