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charlotte car insurance

Charlotte might be home to the likes of the Mint Museum and the NASCAR Hall of Fame, but it's nicknamed the City of Trees for a reason. Paired with the fact that Charlotte is a bustling financial hub, it's safe to say this place is known for its green.

And we want to help keep it that way by providing affordable auto insurance that keeps cash in your wallet. We embrace convenient online policy management in addition to real-live-person customer service and innovative tools that help smarten up the insurance process. So grab a personalized Charlotte car insurance quote to see how much greener the grass could be with Esurance.

auto insurance discounts in charlotte

On top of already-affordable car insurance, Esurance offers a wide range of smart money-saving discounts.

Homeowners discount

Snag this significant savings automatically when you own a home in Charlotte. Talk about a win-win!

Fast 5® discount

Another simple one to score, you'll earn this discount right off the bat just for starting your quote online.

Paid-in-Full discount

Pay your entire 6-month policy premium at the beginning of your term and you could stand to save big.

Switch & Save® discount

As our way of welcoming you, we'll give you this discount just for transferring your current car coverage from another company over to Esurance.

If you're an Esurance policyholder and have questions about your discounts, feel free to give us a call at 1-800-ESURANCE (1-800-378-7262), or check out our North Carolina car insurance page.

required car insurance coverages

Charlotte residents are legally required to carry specific coverages at certain minimum limits in order to hit the road.

Liability insurance

If you're found at fault in an incident that results in injury to another person and/or damage to their property, liability can help pay for their accident-related expenses up to the limits you choose for your policy.

North Carolina requires motorists to carry at least the following minimum limits:

  • $30,000 of bodily injury liability per person
  • $60,000 of bodily injury liability per incident
  • $25,000 of property damage liability per incident

This is often expressed as 30/60/25 and represents the bare-bones basics of state-required liability insurance. You can always opt for higher limits when you get your quote or during your policy term.

Uninsured motorist coverage

If you're carrying state minimum bodily injury liability limits on your policy (30/60), uninsured motorist coverage is also required in North Carolina. This coverage can help ensure medical and property damage bills don't come out of your pocket if you're ever involved in an incident with an uninsured driver. It can also really save the day in hit-and-run scenarios.

The same minimum limits apply as basic bodily injury liability, and you can increase your limits at virtually any time during your Esurance policy term.

If you're carrying bodily injury liability limits above state minimums (50/100 or higher), you'll be required to add combined uninsured/underinsured motorist bodily injury liability coverage at limits of at least 30/60 to your policy.

optional coverages

Adding some of the following additional protections can be helpful if life ever takes a turn for the worse.

Medical payments

If you or your passengers are injured in an accident — regardless of fault — this coverage can help pay hospital bills and other accident-related medical expenses up to the limits you choose for your policy.

Towing and labor

Whether you're notorious for leaving your keys in your car or you're experiencing a mechanical breakdown far from the nearest repair shop, towing and labor can really save the day (and your sanity).

Extended transportation expenses

Also called rental car coverage, this protection can help you secure a rental car to get you from A to B if your ride's in the garage due to a covered incident.

And this is just a sample! If you have questions about available coverages in your area, you can contact us 24/7 at 1-800-ESURANCE (1-800-378-7262) or take a peek at our car insurance coverage page.

e-star® repair shops in your city

We know an accident can leave you feeling out of luck, Charlotteans. We're on your side, though, with our extensive network of trustworthy repair shops that can help you get back on the road as soon as possible.

With repairs that are guaranteed the entire time you own your vehicle, plus cutting-edge tools like RepairView® — which offers you daily photos of your ride's progress in the garage — you'll soon see how much time and hassle Esurance can help save you.

A sampling of E-Star listings in Charlotte include:

B&R Body Shop — Charlotte
115 S. Dwelle St.
Phone: 704-644-4911

B&R Body Shop — East
6111 E. Independence Rd.
Phone: 704-972-1972

Service King Collision Repair of Charlotte
1142 McAlway Rd.
Phone: 704-364-5884

B&R Body Shop — Northlake
5700 W. WT Harris Blvd.
Phone: 704-597-9522

Caliber Collision
9248 South Blvd.
Phone: 704-554-9393

Wilburn Auto body Shop, Inc.
2760 S. Concord Pkwy
Phone: 704-782-2929

Still not seeing a shop near you? That's OK! We have more where these came from. You can search for the garage closest to you just by entering your ZIP Code.

driving stats in charlotte

Auto theft

Twelve cars are stolen in the Charlotte-Mecklenburg metropolitan area every day, according to data from the Charlotte-Mecklenburg Police Department. But if you secure reliable protection like comprehensive coverage on your auto policy, you're covered against hazards like theft, vandalism, glass damage, and much more.

Traffic woes

The average Charlotte commuter experienced 40 hours of delay in 2011 alone, accounting for more than 20 gallons of wasted fuel per commuter and about $900 of extra congestion-related expenses compared to the average American commuter, according to the Texas Transportation Institute's 2012 Urban Mobility Report.

Related links

How to handle a car accident: a 7-step guide
We're all a little scatterbrained after a crash. Refresh your memory with this 7-step guide to handling a car accident with less stress.

Sharing the road with large trucks
No one likes being trapped next to a semi-truck going 75 mph on the freeway. Still, the experience doesn't have to be traumatizing— brush up on these helpful tips for sharing the road.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.