Auto Insurance Center logo
(844) 777-5466
Enter Your Zip Code to Get
Insurance Offers in Your Area!
Get FREE Insurance Quotes:
  • Save up to $400 on average.
  • After getting instant quotes, there's no commitment to buy.
  • Spend 6 of the most useful minutes of your life with us.
  • Delivering car insurance coverage since 1997.
  • Your information is safe with us!

Best Cheap Auto Insurance in Charlotte 28209

Are you looking for cheap auto insurance in Charlotte? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and help you learn more about your city.

While one of the nation’s fastest-growing metropolitan areas, Charlotte is known for its banking and health care industry.

The area was first inhabited by Catawba Native Americans along the river banks before European settlers arrived in 1567. The town was later incorporated as Charlotte Town, named after King George III’s wife in 1786.

After the war, gold was found in the area, helping boost the city’s population. Charlotte also got its nicknamed as “The City of Churches” with various churches established in town including: Episcopalian, Lutheran, Roman Catholic, Baptist, Methodist and Presbyterian.

During the Civil War, Charlotte was the home of the Confederate Navy Yard where munitions and gunpowder were manufactured.

The city continued to grow after the Civil War as it became a major cotton-processing center and railroad hub.

During the 1970s and 1980s, the banking industry grew thanks to financier Hugh McColl and his role in turning the North Carolina National Bank into part of Bank of America.

Charlotte attractions include: Mint Museum, Discovery Place, 7th Street Public Market, Levine Museum of the New South, Charlotte Motor Speedway, Freedom Park and the NASCAR Hall of Fame.

Charlotte has two professional sports teams, the Panthers (NFL) and Hornets (NBA). In addition, Charlotte is a major hub for American motorsports, and hosts various NASCAR series/events throughout the year.

Charlotte Driving Conditions

Charlotte is classified as a humid subtropical climate. The annual high temperature is 70.8 degrees and the annual low temperature is 48.8 degrees. Charlotte varies between ample rain storms and sunny days, with summers being hot and humid while the winters are mild and short. Charlotte can have frequent ice storms in the winter and drivers should check the weather and road reports before traveling.

According to an Allstate Insurance Survey, the average resident of Charlotte has an auto accident about every 8.1 years.

Crime Statistics

According to the 2015 Crime in the United States report, North Carolina had 276,183 accounts of property crime and 13,435 accounts of vehicle theft.

North Carolina Driver’s License

As a legal resident of North Carolina, you’ll need to obtain a North Carolina driver’s license. Those with a valid out-of-state license can forgo the vision and written test.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of North Carolina residency and proof of your Social Security number.

Seat Belt Laws

North Carolina law states that all front and back seat passengers 16 and older must wear their seat belts.

The North Carolina Child Passenger Safety Law requires children less than 16 to be properly restrained in age, weight and height appropriate restraint. A properly used car seat or booster seat is required for children under age 8 and weighing less than 80 pounds.

Cell Phone & Texting Laws

Texting is illegal in North Carolina. In 2017, a new bill was introduced that would make it illegal to use a phone while driving. Drivers under 18 are prohibited from using cell phones while driving.

Odd Law

In North Carolina, elephants may not be used to plow cotton fields.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

  • Company
  • Description
  • Address
  • Contact