Raleigh, NC Auto Insurance (2024)
The average Raleigh, NC auto insurance rates are $281 per month. The minimum auto insurance in Raleigh is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Raleigh, North Carolina, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Raleigh, North Carolina is 30/60/25
- The most expensive auto insurance company in Raleigh for teen drivers is Allstate
- The cheapest auto insurance company in Raleigh is Liberty Mutual
Raleigh, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Raleigh can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Raleigh, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Raleigh to other North Carolina cities, including Charlotte auto insurance rates, Durham auto insurance rates, and Cary auto insurance rates to see how Raleigh, North Carolina auto insurance rates stack up.
Before you buy Raleigh, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Raleigh, North Carolina auto insurance quotes.
Minimum Auto Insurance in Raleigh, North Carolina
Raleigh, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Raleigh, North Carolina.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Raleigh, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Raleigh, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $5,641 | $5,641 | $4,621 | $4,621 | $13,723 | $13,723 | $5,752 | $5,752 |
| Geico | $2,450 | $2,405 | $2,418 | $2,375 | $4,497 | $4,458 | $2,153 | $2,141 |
| Liberty Mutual | $1,801 | $1,801 | $1,864 | $1,864 | $3,220 | $3,220 | $1,801 | $1,801 |
| Nationwide | $2,321 | $2,321 | $2,321 | $2,321 | $3,983 | $3,983 | $2,321 | $2,321 |
| Progressive | $1,730 | $1,730 | $1,592 | $1,592 | $4,104 | $4,104 | $1,927 | $1,927 |
| State Farm | $2,589 | $2,589 | $2,239 | $2,239 | $3,825 | $3,825 | $3,200 | $3,200 |
| Travelers | $2,617 | $2,617 | $2,596 | $2,596 | $4,499 | $4,499 | $2,686 | $2,686 |
Cheap Raleigh, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Raleigh, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Raleigh, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,723 | $13,723 |
| Geico | $4,497 | $4,458 |
| Liberty Mutual | $3,220 | $3,220 |
| Nationwide | $3,983 | $3,983 |
| Progressive | $4,104 | $4,104 |
| State Farm | $3,825 | $3,825 |
| Travelers | $4,499 | $4,499 |
Cheap Raleigh, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Raleigh, North Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,621 | $4,621 |
| Geico | $2,418 | $2,375 |
| Liberty Mutual | $1,864 | $1,864 |
| Nationwide | $2,321 | $2,321 |
| Progressive | $1,592 | $1,592 |
| State Farm | $2,239 | $2,239 |
| Travelers | $2,596 | $2,596 |
Cheap Raleigh, North Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Raleigh, North Carolina compared to the annual auto insurance rates with a clean record in Raleigh, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,037 | $7,104 | $13,150 | $5,447 |
| Geico | $1,523 | $2,275 | $5,539 | $2,113 |
| Liberty Mutual | $1,298 | $1,663 | $4,062 | $1,663 |
| Nationwide | $1,616 | $2,085 | $5,159 | $2,085 |
| Progressive | $1,121 | $1,627 | $5,030 | $1,574 |
| State Farm | $1,570 | $2,283 | $5,718 | $2,283 |
| Travelers | $1,844 | $2,423 | $5,749 | $2,382 |
Cheap Raleigh, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Raleigh, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Raleigh, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $13,150 |
| Geico | $5,539 |
| Liberty Mutual | $4,062 |
| Nationwide | $5,159 |
| Progressive | $5,030 |
| State Farm | $5,718 |
| Travelers | $5,749 |
Cheap Raleigh, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Raleigh, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $10,016 | $6,545 | $5,742 |
| Geico | $3,093 | $2,849 | $2,645 |
| Liberty Mutual | $2,172 | $2,172 | $2,172 |
| Nationwide | $2,737 | $2,737 | $2,737 |
| Progressive | $2,615 | $2,286 | $2,113 |
| State Farm | $4,162 | $2,661 | $2,067 |
| Travelers | $3,310 | $3,013 | $2,976 |
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Cheap Raleigh, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Raleigh, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Raleigh, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 27601 | $3,527 |
| 27603 | $3,215 |
| 27604 | $3,529 |
| 27605 | $2,840 |
| 27606 | $2,865 |
| 27607 | $2,776 |
| 27608 | $2,846 |
| 27609 | $3,494 |
| 27610 | $3,449 |
| 27612 | $2,928 |
| 27613 | $2,906 |
| 27614 | $2,971 |
| 27615 | $2,945 |
| 27616 | $3,453 |
| 27617 | $2,911 |
| 27695 | $2,895 |
Cheap Raleigh, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Raleigh, North Carolina auto insurance. Find the cheapest annual Raleigh, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,434 | $7,434 |
| Geico | $2,862 | $2,862 |
| Liberty Mutual | $2,172 | $2,172 |
| Nationwide | $2,737 | $2,737 |
| Progressive | $2,338 | $2,338 |
| State Farm | $2,956 | $2,971 |
| Travelers | $3,100 | $3,100 |
Cheap Raleigh, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Raleigh, North Carolina? Check out the comparison of annual Raleigh, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $7,157 | $7,405 | $7,741 |
| Geico | $2,736 | $2,852 | $2,999 |
| Liberty Mutual | $2,068 | $2,158 | $2,288 |
| Nationwide | $2,625 | $2,723 | $2,862 |
| Progressive | $2,218 | $2,324 | $2,472 |
| State Farm | $2,841 | $2,948 | $3,101 |
| Travelers | $2,970 | $3,083 | $3,246 |
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Best By Category: Cheapest Auto Insurance in Raleigh, North Carolina
Compare the cheapest auto insurance companies in Raleigh, North Carolina in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Progressive |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Progressive |
The Cheapest Raleigh, North Carolina Auto Insurance Companies
What auto insurance companies in Raleigh, North Carolina are the cheapest? Compare the top Raleigh, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,434 |
| Geico | $2,862 |
| Liberty Mutual | $2,172 |
| Nationwide | $2,737 |
| Progressive | $2,338 |
| State Farm | $2,963 |
| Travelers | $3,100 |
What affects auto insurance rates in Raleigh, North Carolina?
There are a lot of reasons why auto insurance rates in Raleigh, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Raleigh, North Carolina. Many local factors may affect your Raleigh auto insurance rates.
Raleigh Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Raleigh, North Carolina commute length is 24.0 minutes according to City-Data.
Raleigh Traffic
How does Raleigh, North Carolina rank for traffic? According to Inrix Raleigh, North Carolina is the 967th most congested worldwide.
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Compare Raleigh, North Carolina Auto Insurance Quotes
Before you buy Raleigh, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Raleigh, North Carolina auto insurance quotes.
Frequently Asked Questions
What is Raleigh, NC auto insurance?
Raleigh, NC auto insurance refers to the insurance coverage required for vehicles registered and operated in Raleigh, North Carolina. It provides financial protection in case of accidents, damage, theft, or other covered events involving your vehicle.
What types of auto insurance coverage are available in Raleigh, NC?
The common types of auto insurance coverage available in Raleigh, NC include liability coverage, which is mandatory and covers injuries and property damage to others, as well as optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage.
Is auto insurance mandatory in Raleigh, NC?
Yes, auto insurance is mandatory in Raleigh, NC, as it is in the rest of North Carolina. The state requires drivers to carry a minimum amount of liability coverage to protect against financial responsibility for injuries or property damage caused by an accident.
What are the minimum liability insurance requirements in Raleigh, NC?
The minimum liability insurance requirements in Raleigh, NC are as follows:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Can I purchase additional auto insurance coverage in Raleigh, NC?
Yes, you can purchase additional auto insurance coverage beyond the minimum requirements in Raleigh, NC. Optional coverages like collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage can provide enhanced protection for your vehicle and yourself.
How can I find the best auto insurance in Raleigh, NC?
To find the best auto insurance in Raleigh, NC, consider these steps:
- Shop around and compare quotes from multiple insurance companies.
- Assess the coverage options, limits, and deductibles offered by each insurer.
- Check the financial stability and reputation of the insurance companies.
- Read customer reviews and ratings to evaluate their customer service.
- Take into account any discounts or special features that may be available.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.