Who Has Affordable Auto Insurance for Postal Workers in Charlotte?

The type of vehicle requiring insurance is one of the largest considerations when consumers are trying to find the lowest-priced coverage for postal workers. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.

The next table estimates coverage costs for a handful of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Charlotte, NC
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,179
Ford Edge SE 2WD $1,294
Toyota Prius $1,307
Toyota Tacoma 4WD $1,321
Ford Explorer XLT 4WD $1,328
Chevrolet Impala LS $1,368
Volkswagen Jetta S 4-Dr Sedan $1,395
Ford Fusion S 4-Dr Sedan $1,404
Dodge Ram Quad Cab ST 2WD $1,419
Hyundai Elantra SE Touring Station Wagon $1,436
Ford Escape Limited 4WD $1,444
Nissan Rogue SL 2WD $1,493
Dodge Grand Caravan SE $1,500
Start a Quote Go

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can impact rates greatly.

Based upon the rates shown, you can see that cars like the Honda CR-V, Ford Edge, Toyota Prius, Toyota Tacoma, and Ford Explorer should be the cheaper vehicles to insure for postal employees.

One of the many criteria that are looked at to determine the cost of insurance is where you choose to live in Charlotte. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.

The following table ranks the highest-priced areas in North Carolina for postal workers to buy auto insurance in. Charlotte is ranked #3 with a yearly premium of $808 for the average insurance policy, which is about $67 each month.

How much does car insurance cost in Charlotte, NC?
Rank City Average Per Year
1 Fayetteville $932
2 Jacksonville $891
3 Charlotte $808
4 Gastonia $803
5 Greensboro $786
6 Durham $765
7 Wilmington $765
8 Goldsboro $758
9 Indian Trail $753
10 Apex $747
11 Raleigh $744
12 Cary $742
13 Hickory $740
14 Greenville $738
15 Huntersville $734
16 Rocky Mount $726
17 Wilson $724
18 High Point $723
19 Chapel Hill $717
20 Winston Salem $716
Start a Quote Go

Price information shown is estimated as specific location information can affect rates noticeably.

Finding affordable insurance is hard enough, and figuring out which companies have the cheapest car insurance rates for postal workers may require even more shopping around.

Every auto insurer uses slightly different criteria for setting rates, so we need to take a look at the car insurance companies that tend to have lower prices in North Carolina. It’s important that readers know that Charlotte, NC car insurance rates are determined by lots of factors that can increase the cost of your policy. This price variation is why consumers need to take the time to shop around when trying to get the most affordable auto insurance quotes for postal workers. Rates are determined by many factors and change dramatically, so the best option three years ago may now not even be in the top five.

Best Auto Insurance Prices for USPS Employees

Compare Rates Today

North Carolina auto insurance company rankings
Rank Company Cost Per Year
1 Utica National $636
2 Progressive $658
3 NC Farm Bureau $716
4 Liberty Mutual $721
5 Titan $737
6 Penn National $747
7 GEICO $750
8 State Farm $772
9 Auto-Owners $852
10 National General $890
11 Erie $922
12 Travelers $927
13 Allied $928
14 Peerless $1,002
15 MetLife $1,007
16 Nationwide $1,011
17 Unitrin $1,032
18 Safeco $1,034
19 Encompass $1,063
20 Allstate $1,097
Find Cheaper Rates Go

Utica National quotes some of the best car insurance rates in Charlotte at around $636 a year. This is $236 less than the average price paid by North Carolina drivers of $872. Progressive, NC Farm Bureau, Liberty Mutual, and Titan would also be considered some of the most economical Charlotte, NC insurance companies.

As the example above demonstrates, if you are currently insured with Liberty Mutual and switched to Progressive, you might see a yearly price reduction of in the neighborhood of $63. North Carolina drivers with Titan could save as much as $79 a year, and Penn National customers might see rate reductions of $89 a year.

Remember that these estimates are averages for all types of insureds and vehicles and are not factoring in a specific vehicle garaging location for postal workers. So the car insurance company that is best suited for you may not even be in the top 20 companies in the list above. That underscores the importance of why you need to get quotes using your own individual information.

Rate increases following a ticket or accident

The easiest method to score the most affordable car insurance premiums in North Carolina for postal employees is to be a safe driver and not receive tickets or have accidents. The illustration below highlights how traffic violations and accidents drive up annual premium costs for different age categories. The rates are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of car insurance per year with no accidents and a clean driving record is $1,573. Get written up for one speeding ticket and the average cost hikes up to $1,774, an increase of $201 each year. Next add two accidents along with the one speeding ticket and the yearly cost of car insurance for postal workers increases to an average of $3,584. That’s an increase of $2,012, or $168 per month, just for not driving safely!

How to get discounts on Charlotte auto insurance

Cheaper Charlotte, NC car insurance for postal employeesAuto insurance companies that provide coverage for postal workers may also offer premium discounts that could reduce prices by as much as 30% if you meet specific criteria. A list of companies and a partial list of their discounts can be read below.

The information below compares premium costs with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no claims, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, defensive driving course, multiple vehicle, marriage, claim-free, and safe-driver discounts applied. When discounts are factored in, the average amount saved each year on car insurance for postal workers is 28% or $278.

The information below highlights how deductible selection can raise or lower premium costs when searching for cheap insurance for postal workers. The premiums are based on a single female driver, comp and collision included, and no additional discounts are factored in.

A 30-year-old driver could lower their car insurance rates by $226 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $340 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could lower their rates $502 every year by using a higher deductible.

If you make the decision to raise deductibles, it is important to have enough savings set aside to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

The insurance agencies listed below can most likely answer your questions and help you decide which car insurance policy is best, as some people prefer to have the advice of a professional agent when shopping for cheaper insurance for postal employees. It can be complicated to find the cheapest rates, and insurance agents licensed in the state of North Carolina can give satisfaction knowing you have adequate protection in case of an accident or claim.

To locate a Charlotte auto insurance agent near you, click the link at the bottom.

Johnson Insurance Management, LLC
3220 Wilkinson Boulevard Ste A3Charlotte, NC 28208(704) 394-7327

Nationwide Insurance: Timothy G Hausmann Agency
2313 Randolph RdCharlotte, NC 28207(704) 332-0011

RJR Insurance
7810 Ballantyne Commons Pkwy # 300Charlotte, NC 28277(704) 543-2700

GEICO Insurance Agent
4651 South Blvd Suite BCharlotte, NC 28209(704) 523-2886

Gary Kochman – State Farm Insurance Agent
9539 Idlewild RdCharlotte, NC 28227(704) 545-4422

More Charlotte, NC insurance agents

How to find low-cost auto insurance for postal workers

Below you’ll find a few thrifty suggestions that can help Charlotte drivers get cheaper auto insurance.

The final tip is highly crucial, as was affirmed in this article. Car insurance rates can change considerably based on profitability, so drivers shouldn’t be reluctant to buy a different policy if you find a cheaper price.

Having brand loyalty is commendable, but we do not recommend it if that loyalty results in overpaying hundreds every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for postal workers in Charlotte.