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Summerville (843) 821-7548 | Orangeburg (803) 531-2004
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Home > Auto Insurance in Charlotte NC

Charlotte, NC Auto Insurance 


Not only is Charlotte the largest city in North Carolina, but its proximity to the South Carolina border makes it part of a two-state metropolitan area comprised of numerous suburbs. With many places to visit and the region’s growing infrastructure system, there’s sure to be a steady influx of drivers in the area. With more motorists on the road, there’s bound to be an increase in auto accidents. To ensure that you are fully protected behind the wheel, you need a quality auto insurance policy that works for you. 

Whether you are staying close to home or planning to do some traveling, you’re going to face accident risks and other potential vehicular hazards. As long as you have the proper auto insurance, you’ll have a promise of financial assistance if a worst-case scenario ever arises.  

Though getting car insurance can feel complicated, we’ll make the process easy from step one when you come to Dotterer Insurance. You can trust us to offer you the best solutions that you deserve. 

Charlotte Residents! Choose Dotterer Insurance  

Wrecks, storm damage, fires, theft and accident lawsuits could all cost a pretty penny. However, a quality auto insurance policy will help you cover these costs so that your personal financial losses from these hazards will be minimal. At Dotterer Insurance, we’ll make sure you get the coverage you deserve. 

Dotterer Insurance is staffed by experts who understand all aspects of auto insurance, and we know how to bring a personal touch to your search for coverage. Whatever coverage you need, and whatever your budget might be, we will work side by side with you to craft the perfect plan to keep you secure and protected at all times.  

Call us at (843) 821-7548 or request your free auto insurance quote online now!  

Common Auto Insurance Questions  


Is Auto Insurance Required in Charlotte?  


You might not know exactly what auto insurance you need right off the bat, but you do have to carry at least the minimum mandatory limits that North Carolina law requires of all drivers. 

As an at-fault state, North Carolina mandates drivers who cause accidents to pay for both their own accident losses and the losses they cause to other people (other drivers, pedestrians, etc.). As a result, state law mandates that drivers must carry at least the following minimum levels of liability coverage: 

  • $30,000 bodily injury liability coverage per person

  • $60,000 bodily injury liability coverage per accident

  • $25,000 property damage liability coverage


Plus, if you only carry the minimum liability limits on your policy, you’re also required to carry uninsured motorist coverage with 30/60/25 limits. If you have a wreck and the other driver is at fault but lacks insurance to cover your losses, this coverage can pay for your damage. 

Additionally, if you have more than the minimum liability coverage, you will also be required to carry combined un/underinsured motorist coverage. Underinsured motorist coverage will pay the difference between what an underinsured driver’s liability insurance will pay and what your damage costs actually amount to. 

What Does Auto Insurance Cover in Charlotte?  

Besides your mandatory liability and uninsured/underinsured benefits, your auto insurance policy can offer benefits like:  

  • Comprehensive coverage: If a fire, wind, hail, theft, vandalism or similar incident damages your car, then this coverage will compensate you for the damage.

  • Collision coverage: When you have a car wreck, this coverage pays for the cost of repairing your car or can provide funding to help you buy a new car if you total the old one.

  • Medical payments coverage: If you get hurt in a wreck, this coverage can pay for such losses as medical bills, lost income and rehab costs for both you and your passengers. Personal Injury Protection (PIP), which is a similar benefit available in some states, is not available is not available in North Carolina.


Other available benefits might include:

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance


How Much Auto Insurance Do I Need in Charlotte?  

It’s imperative to recognize that North Carolina’s mandatory insurance laws are just minimal levels of coverage. Most drivers need much higher, customized coverage limits, and Dotterer Insurance will help you take the extra steps to make your plan as unique as possible.  

We know how to expand your liability coverage search to include individualized limits. Plus, we can enroll you in more expansive benefits—comprehensive, collision and roadside assistance protection—to provide you with more protection, at affordable costs, whenever you need them.  

How Much Does North Carolina Auto Insurance Cost?  

We know that cost will always be a factor when you are looking for the best auto insurance. We’ll work with you to develop a policy that provides adequate coverage without causing you a substantial cost burden. Our carrier partners offer quality benefits, all of which offer competitive pricing. We’ll ensure you get the one that is best for your wallet.  

Get Started Today  

Charlotte drivers won’t come away disappointed when they choose us to be their insurance provider. So, what are you waiting for? Get in touch with one of Dotterer Insurance’s agents today.

Contact Us Today!
(843) 821-7548

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  • We proudly serve the following areas: Summerville, Orangeburg, Goose Creek, Moncks Corner, Ridgeville, Charleston, Mount Pleasant, St Matthews, Santee, & Swansea South Carolina

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Summerville Office
870 College Park Road | Summerville, SC 29486

(843) 821-7548
Orangeburg Office
1628 Saint Matthews Road | Orangeburg, SC 29118

(803) 531-2004

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