Buy Cheap Charlotte, IA Auto Insurance (2021)

Charlotte, IA auto insurance rates average $244 a month. Minimum auto insurance requirements in Charlotte, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Charlotte, IA, compare Charlotte auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Charlotte is Travelers
  • Average auto insurance rates in Charlotte, IA are $244/month
  • Average auto insurance rates in Charlotte, IA for teens drivers are $5,594/year

Finding affordable Charlotte, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Charlotte, IA auto insurance with confidence is right here. Auto insurance rates in Charlotte are affected by local factors as well as personal ones like your driving record.

See how Charlotte, IA car insurance rates compare to Iowa City auto insurance rates, West Des Moines auto insurance rates, and Waterloo auto insurance rates before you read more about the cost of auto insurance in Charlotte.

Don’t buy Charlotte, IA auto insurance until you’ve compared rates. Get free Charlotte, Iowa auto insurance quotes when you enter your ZIP code above.

Charlotte, IA Minimum Auto Insurance Requirements

The required auto insurance in Charlotte, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Charlotte, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Charlotte, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Charlotte, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Charlotte, IA. Take a look at Charlotte, Iowa auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Charlotte, Iowa

Insurance Company Poor Fair Good
Allstate $3,530 $2,806 $2,529
American Family $4,001 $2,940 $2,468
Farmers $2,682 $2,221 $2,104
GEICO $2,783 $2,315 $1,848
Liberty Mutual $5,946 $3,688 $2,903
Nationwide $2,944 $2,312 $2,025
Progressive $2,773 $2,261 $2,056
State Farm $3,094 $1,914 $1,510
Travelers $6,321 $5,396 $5,142
USAA $2,351 $1,624 $1,409

Buy Cheap Charlotte, IA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Charlotte, Iowa auto insurance rates? Find out how car insurance rates in Charlotte, IA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Charlotte, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,934 $1,852 $1,724 $1,752 $5,695 $6,430 $2,096 $2,156
American Family $2,025 $2,025 $1,810 $1,810 $5,387 $7,569 $2,025 $2,442
Farmers $1,448 $1,476 $1,298 $1,418 $4,354 $4,641 $1,958 $2,091
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $1,978 $2,143 $1,742 $2,115 $9,764 $10,980 $2,242 $2,468
Nationwide $1,681 $1,723 $1,500 $1,598 $3,902 $5,035 $1,907 $2,071
Progressive $1,623 $1,548 $1,338 $1,397 $4,207 $4,738 $1,948 $2,108
State Farm $1,414 $1,414 $1,241 $1,241 $3,823 $4,846 $1,589 $1,811
Travelers $2,533 $2,585 $2,460 $2,467 $11,242 $17,918 $2,635 $3,117
USAA $1,190 $1,198 $1,098 $1,112 $3,290 $3,478 $1,423 $1,567

Buy Cheap Charlotte, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Charlotte can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Charlotte, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Charlotte, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,695 $6,430
American Family $5,387 $7,569
Farmers $4,354 $4,641
GEICO $4,278 $3,972
Liberty Mutual $9,764 $10,980
Nationwide $3,902 $5,035
Progressive $4,207 $4,738
State Farm $3,823 $4,846
Travelers $11,242 $17,918
USAA $3,290 $3,478

Buy Cheap Charlotte, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Charlotte, Iowa by comparing Charlotte senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Charlotte, IA here.

Annual Auto Insurance Rates for Senior Drivers in Charlotte, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,724 $1,752
American Family $1,810 $1,810
Farmers $1,298 $1,418
GEICO $1,696 $1,552
Liberty Mutual $1,742 $2,115
Nationwide $1,500 $1,598
Progressive $1,338 $1,397
State Farm $1,241 $1,241
Travelers $2,460 $2,467
USAA $1,098 $1,112

Find Cheap Auto Insurance Rates in Charlotte, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Charlotte, Iowa auto insurance. Compare Charlotte, IA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Charlotte, Iowa

Insurance Company Low Medium High
Allstate $2,861 $2,958 $3,046
American Family $3,158 $3,310 $2,941
Farmers $2,233 $2,343 $2,431
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,016 $4,174 $4,347
Nationwide $2,525 $2,418 $2,339
Progressive $2,213 $2,372 $2,505
State Farm $2,069 $2,184 $2,264
Travelers $5,289 $5,705 $5,865
USAA $1,697 $1,801 $1,886

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Find Cheap Charlotte, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Charlotte. Compare auto insurance rates in Charlotte, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Charlotte, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,885 $3,025
American Family $3,100 $3,173
Farmers $2,336 $2,336
GEICO $2,269 $2,362
Liberty Mutual $4,179 $4,179
Nationwide $2,427 $2,427
Progressive $2,363 $2,363
State Farm $2,120 $2,224
Travelers $5,620 $5,620
USAA $1,729 $1,860

Find Cheap Charlotte, IA Auto Insurance Rates by Driving Record

Auto insurance rates in Charlotte, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Charlotte, IA, take a look at the average cost for various violations versus rates for a clean driving record in Charlotte.

Annual Charlotte, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,502 $3,035 $3,475 $2,808
American Family $2,265 $3,311 $4,306 $2,664
Farmers $1,989 $2,468 $2,507 $2,378
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,610 $4,468 $4,549 $4,089
Nationwide $1,762 $2,523 $3,432 $1,991
Progressive $1,893 $3,134 $2,057 $2,369
State Farm $2,011 $2,334 $2,172 $2,172
Travelers $4,096 $5,461 $7,312 $5,609
USAA $1,367 $1,843 $2,395 $1,572

Find Cheap Charlotte, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Charlotte, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Charlotte for less when you shop around and compare rates from multiple Charlotte, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Charlotte, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,475
American Family $4,306
Farmers $2,507
GEICO $3,170
Liberty Mutual $4,549
Nationwide $3,432
Progressive $2,057
State Farm $2,172
Travelers $7,312
USAA $2,395

Winners by Category: Where to Buy Cheap Auto Insurance in Charlotte, IA

Compare rates from the cheapest auto insurance companies in Charlotte, IA for your needs. Take a look at how Charlotte, Iowa auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Charlotte, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Find Cheap Charlotte, Iowa Auto Insurance Companies

If you’re looking for the cheapest Charlotte, IA auto insurance companies overall, you can compare them here. Find the best price for Charlotte, Iowa car insurance by company.

Average Annual Auto Insurance Rates by Company in Charlotte, Iowa

Insurance Company Average Annual Rates
Allstate $2,955
American Family $3,137
Farmers $2,336
GEICO $2,315
Liberty Mutual $4,179
Nationwide $2,427
Progressive $2,363
State Farm $2,172
Travelers $5,620
USAA $1,794

What affects Charlotte, Iowa auto insurance rates?

Local factors affect auto insurance rates in Charlotte, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Charlotte auto insurance rates.

Commute Times in Charlotte

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Charlotte, IA is 23.1 minutes according to City-Data.

Traffic in Charlotte

How is traffic in Charlotte, Iowa? Inrix data shows that Charlotte, IA traffic makes it the 218th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Charlotte, IA

You can buy cheap Charlotte, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Charlotte, Iowa auto insurance quotes from top companies.

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