Raleigh Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in North Carolina has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Raleigh typically pay around $98.57 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Raleigh, NC Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Raleigh coming in around $58.29 per month. Other companies to consider if you live in Raleigh is Erie with an average cost of $82.59 per month and North Carolina Farm Bureau which typically runs around $85.92 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Raleigh.

How Much is Car Insurance in Raleigh, NC?

Rates can vary from city to city. The residents of Asheville typically pay $71.60 per month while people who live in Cary will pay $85.05 per month on average. See what people pay for car insurance in other cities in North Carolina.

Cheap Car Insurance in Raleigh by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of North Carolina. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Raleigh

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $152.01 per month in Raleigh. Compare that to drivers in their 30’s who typically pay around $93.34 per month drivers in their 40s at $89.96 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Raleigh

If you are teen in Raleigh you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $107.56 per month. This is likely the most affordable option in Raleigh. You might also want to consider State Farm and Erie who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Raleigh

20 year-olds in Raleigh might want to consider Direct Auto who, on average, offers car insurance rates around $57.23 per month. North Carolina Farm Bureau , Erie , Auto-Owners Insurance Co and GMAC Insurance Group are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Raleigh

If you are in your 30s in Raleigh our research has found that Direct Auto typically has the most affordable coverage coming in around $54.96 per month, followed by Erie at $81.58 and National General at $82.14.

Cheapest Insurance for 40 Year-olds in Raleigh

On average, Direct Auto offers car insurance for 40 year-olds in Raleigh for around $53.49 per month. If you are looking for affordable coverage, you may also want to consider Erie or State Farm. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Raleigh

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Raleigh we found that Safeco generally offers the most affordable coverage at $54.49 per month.

Cheapest Insurance for 60 Year-olds in Raleigh

If you live in Raleigh and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $52.85 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Raleigh, NC

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Raleigh, the average monthly rate for a driver who is currently insured is $105.05 while drivers who are not currently covered will pay around $90.18.

Compare Recent Car Insurance Quotes in Raleigh

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Raleigh a driver of a 2015 Infiniti Q50 can expect to pay around $465.89 per month while someone that owns a 2009 Toyota Highlander may pay around $124.25 per month. Check out the list of recent quotes in Raleigh below.

FAQ's for Drivers in Raleigh, NC

Raleigh Auto Insurance Requirements

In Raleigh, you are required to have auto liability insurance coverage.

What is the Minimum Amount of Liability Coverage Requirement in Raleigh?

• $30,000 bodily injury liability coverage per person
• $60,000 bodily injury liability coverage per accident
• $25,000 property damage

What is the Blood Alcohol Concentration (BAC) Limit in Raleigh?

The legal blood alcohol content (BAC) level limit is .08% in North Carolina and applies to all 50 states. If you have a .08% BAC level and are driving a car, you could be convicted of a DWI, driving while impaired. For a DWI in North Carolina, you could face jail time of 24 hours to 60 days, a fine up to $200 and 24 hours of community service. A DWI on your driving record will increase your car insurance rates. How much depends on your insurance company. SmartFinancial can help you find the auto insurance companies that offer lower rates for DWI convictions.

Can I Register My Car Without Insurance in Raleigh?

To register your car in Raleigh, you'll first need to have valid liability insurance coverage for your car. Your insurance and registration always need to be up-to-date. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the North Carolina Department of Insurance and certified by the North Carolina State DMV. And here's another thing. The insurance for your car must be issued in the name of the vehicle registrant.

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