Protection that is made for Charlotte

The second-largest city in the Southeast and the largest in North Carolina, Charlotte is one of the fastest growing metropolitan areas in the United States. Located at the intersection of Interstates 77 and 85, the Queen City is home to numerous financial and energy institutions, as well as professional basketball, football and soccer teams. It's the country's second largest banking center, after New York City, and the center of the United States motorsports industry. The area experiences all four seasons, with humid summers and cold winters.

When it comes to auto insurance, every state has different requirements. For drivers in Charlotte, you can see what coverage and coverage limits North Carolina requires in the list below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

Allstate offers auto insurance across all Charlotte zip codes from 28202 to 28287. A Charlotte Allstate agent can help you understand the different insurance types available to you.

get a quick, personalized Charlotte car insurance quote.

When you drive with quality coverage, you drive with peace of mind. Allstate auto insurance can help you stay protected, wherever the road takes you.

Charlotte car insurance requirements

Auto liability insurance is a type of car insurance coverage that's required by law in North Carolina, so Charlotte drivers must have it.

More specifically, the following liability coverages and uninsured/underinsured motorist coverage are the minimum required in Charlotte:

  • $30,000 bodily injury liability limit per person
  • $60,000 bodily injury liability limit per accident
  • $25,000 property damage liability

Collision¹ and comprehensive¹ coverage are not required for Charlotte drivers.

All coverages are subject to the coverage limits stated in your policy.

¹Although North Carolina law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Charlotte auto insurance discounts

It's possible to get quality coverage in Charlotte at a lower rate than you might think. Whether you decide to bundle your insurance policies, invest in an anti-theft device and more, Charlotte drivers can find many ways to save with Allstate.

Multiple policy discount

Having more than one Allstate policy can help you save money on your monthly premium. For instance, if you bundle your home and auto policy, you can save on your auto and home premiums.

New car discount

You can save on your car insurance policy if your vehicle is a current model year or one model year older and you're the first owner.

Learn more about these discounts and other car insurance discounts that may be available by contacting your local Charlotte agent today.

Proof of insurance in Charlotte

If you are stopped by the police and asked to show your auto insurance card, drivers in Charlotte can show an electronic insurance card. Most states, including North Carolina, permit drivers to show an electronic proof of their insurance card on a mobile device during a traffic stop.