Rightway Car Insurance Charlotte NC tend to pay $80 more for auto insurance premium than the rest of the state ( NORTH CAROLINA ). Average car insurance in Charlotte NC can cost around $851 per year, while average car insurance rate for North Carolina is $801. In Charlotte NC itself, the difference between the cheapest ( Auto Owners - $588 ) and the most expensive car insurance company ( Allstate Car Insurance - $988 ) is over $400 a year. We have compared car insurance quotes from multiple companies in Charlotte NC to determine which insurance company offer the cheapest car insurance rates and which has the most expensive quotes. Based on our data Auto Owners, Allied and Penn National car insurance offer the cheapest auto insurance rates in Charlotte NC. These three low cost car insurance companies are almost 43% lower than average car insurance rates in Charlotte NC.