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Get Cheap Car Insurance in Fourth Ward, Charlotte, NC
We monitor insurance prices, helping the average driver in Fourth Ward save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Fourth Ward
The chart below shows the cheapest car insurance company in Fourth Ward for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.
| Fourth Ward Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $47 |
| Erie Insurance | $48 |
| Farm Bureau | $51 |
| Progressive | $54 |
Savings for Every Kind of Fourth Ward Driver
Based on our extensive insurance data, we know the average Fourth Ward driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $239 per year by choosing the right vehicle insurance company. Some Fourth Ward residents are paying out over $1,246 extra every year for auto insurance in Fourth Ward. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fourth Ward, Charlotte, NC Savings / Yr. |
|---|---|
$239 |
|
$520 |
|
$379 |
|
$967 |
|
$718 |
|
$289 |
|
$434 |
Fourth Ward Car Insurance vs. Charlotte
People living in Fourth Ward pay an average of 0.29% less than the typical driver in the state. The average driver in Fourth Ward can expect to pay about $747 per year, or $1,246 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Fourth Ward for most people.
Car Insurance Prices by Fourth Ward Neighborhood
Insurance Prices
Where is insurance cheapest within Fourth Ward?
The map shows insurance prices in and around Fourth Ward, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $115 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,300 to a low of $1,185. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the West parts of Fourth Ward.Pick the Best Car Insurance Company for You in Fourth Ward
The best car insurance provider for most drivers in Fourth Ward
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $239 over the average Fourth Ward car insurance company.
The best car insurance provider for Fourth Ward drivers with accidents on their records
In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $520 over the competition.
The best car insurance company for Fourth Ward drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $379 better than other car insurance companies.
The best auto insurance for Fourth Ward drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $967 less each year.
The least expensive car insurance company for new and young drivers in Fourth Ward
In Fourth Ward, State Farm costs young drivers $718 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fourth Ward
Erie Insurance gave the largest car insurance discounts to married couples, averaging $289 saved each year compared to an average Fourth Ward couple's premiums.
The cheapest car insurance in Fourth Ward for drivers with bad credit
The best Fourth Ward car insurance company for customer service
Nationwide was the best company for customer service in Fourth Ward according to the NAIC.
Recent price drops
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The cheapest large national provider in Fourth Ward
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Fourth Ward driver can expect to pay about $87 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fourth Ward, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Fourth Ward
What Influences the Cost of Car Insurance in Fourth Ward?
On average, car insurance in Fourth Ward is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Fourth Ward is 26 minutes, which is a little less than average for a driver in the city.
- North Carolina state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fourth Ward are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Fourth Ward is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Fourth Ward is $62 per month for minimum coverage and $104 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Third Ward: Insurance costs 1.04% more
- Downtown Charlotte: Insurance costs 3.05% more
- Dilworth: Insurance costs 4.25% more
- Elizabeth: Insurance costs 3.93% more
- Plaza Midwood: Insurance costs 6.10% more
- Ashley Park: Insurance costs 15.97% more
- Enderly Park: Insurance costs 18.94% more
- North Charlotte: Insurance costs 10.91% more
- Sedgefield: Insurance costs 3.37% more
- Sugaw Creek: Insurance costs 24.88% more
Neighborhoods with Similar Populations
- Eastwood Hills: Insurance costs 67.82% more
- Springfield Lake Shore Improvement: Insurance costs 16.85% more
- Huguenot: Insurance costs 4.25% less
- Holmes-Foster Historic District: Insurance costs 13.72% more
- Fourth Street Historic District: Insurance costs 13.00% less
- Fair Oaks: Insurance costs 66.85% more
- Euclid-Green: Insurance costs 10.83% more
- Ellsworth Springs: Insurance costs 20.55% more
- Eldorado Heights: Insurance costs 42.05% more
- Staumbaugh Heller: Insurance costs 81.06% more