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Raleigh Car Insurance

How much does car insurance cost in Raleigh, NC? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Raleigh?

Raleigh is the capital of North Carolina. Here, you'll find William B. Umstead State Park, which covers 5,599 acres and is available for hiking and camping. Pullen Park includes a carousel and kiddie boats and pedal boats. For lakeside picnics and boat rentals, you'll want to check out Lake Johnson Park. Love art? At the North Carolina Museum of Art, the artwork spans from antiquity to contemporary collections. Love science? The North Carolina Museum of Natural Science showcases North Carolina's geology, flora and fauna. If you love nature, check out the JC Raulston Arboretum, a 10-acre arboretum and botanical garden. For runners and walkers there is the Neuse River Trail, a 33-mile paved trail along the Neuse River. For history buffs, there is the City of Raleigh Museum.

While public transit has long been part of city living in Raleigh, it is awfully nice to drive around the city in your car. Are you happy with your car insurance rates? The best way to get lower premiums is to shop around. SmartFinancial can help you access quotes from more than 200 insurance companies to find the best rate available.

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 $64.47 per month compared to the national average of $134.04 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.

AreaAverage Monthly Rate
National $134.04
North Carolina $60.63
Raleigh, North Carolina $64.47

Raleigh, NC Best Car Insurance Companies

car insurance in Raleigh

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 $56.49 per month. Other companies to consider if you live in Raleigh is North Carolina Farm Bureau with an average cost of $82.11 per month and Erie which typically runs around $89.31 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Raleigh.

RankCompanyAverage Monthly RateComparison State Average
1 Direct Auto $56.49-6.83%
2 North Carolina Farm Bureau $82.1135.43%
3 Erie $89.3147.30%
4 Liberty Mutual $92.2552.15%
5 State Farm $92.4652.50%
6 Utica National Ins Group $95.2357.07%
7 Auto-Owners Insurance Co $96.1058.49%
8 Nationwide $96.6159.34%
9 Safeco $97.3960.62%
10 GMAC Insurance Group $98.7762.90%

How Much is Car Insurance in Raleigh, NC?

how much is auto insurance in Raleigh

Rates can vary from city to city. The residents of Charlotte typically pay $74.14 per month while people who live in Durham will pay $58.88 per month on average. See what people pay for car insurance in other cities in North Carolina.

North Carolina CitiesMonthly Average Rate
Charlotte $74.14
Durham $58.88
Greensboro $59.87
Raleigh $64.47
Winston Salem$52.30

Cheap Car Insurance in Raleigh by Zip Codes

find cheap auto insurance in Raleigh

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.

Raleigh, NC ZIP CodeAverage Monthly Rate
27601$71.55
27603$65.72
27604$65.77
27605$47.87
27606$55.38
27607$57.59
27608$58.42
27609$64.49
27610$67.42
27611$65.58
27612$55.67
27613$68.17
27614$63.75
27615$62.95
27616$68.78
27617$69.16
27624$46.71
27625$57.40

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 $108.55 per month in Raleigh. Compare that to drivers in their 30’s who typically pay around $60.59 per month drivers in their 40s at $63.30 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.

Age GroupAverage Monthly Rate
16-19$108.55
20s$62.66
30s$60.59
40s$63.30
50s$55.76
60s$60.84
70+$70.49

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 $102.16 per month. This is likely the most affordable option in Raleigh. You might also want to consider Liberty Mutual and Safeco who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Direct Auto$102.16
Liberty Mutual$103.51
Safeco$106.85
Dairyland$111.30
North Carolina Farm Bureau$129.52

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 $53.87 per month. North Carolina Farm Bureau , Utica National Ins Group , Erie and GMAC Insurance Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$53.87
North Carolina Farm Bureau$81.28
Utica National Ins Group$92.87
Erie$94.14
GMAC Insurance Group$96.30

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 $55.11 per month, followed by State Farm at $82.57 and North Carolina Farm Bureau at $83.51.

CompanyAverage Monthly Rate
Direct Auto$55.11
State Farm$82.57
North Carolina Farm Bureau$83.51
Utica National Ins Group$85.02
Erie$87.04

Cheapest Insurance for 40 Year-olds in Raleigh

On average, Direct Auto offers car insurance for 40 year-olds in Raleigh for around $52.37 per month. If you are looking for affordable coverage, you may also want to consider State Farm or North Carolina Farm Bureau. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$52.37
State Farm$74.22
North Carolina Farm Bureau$80.53
Nationwide$80.94
Erie$82.44

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 $47.96 per month.

CompanyAverage Monthly Rate
Safeco$47.96
Dairyland$52.09
Direct Auto$55.25
State Farm$65.86
Nationwide$69.78

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 $53.87 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$53.87
Nationwide$64.16
State Farm$70.75
Erie$75.29
Safeco$76.65

Driver's Coverage Auto Insurance Rates in Raleigh, NC

driver's coverage

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 $70.56 while drivers who are not currently covered will pay around $60.71.

CoverageAverage Monthly Rate
Not Currently Insured $60.71
Currently Insured $70.56

Compare Recent Car Insurance Quotes in Raleigh

auto insurance quotes in Raleigh city

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 2005 Chrysler Town & Country can expect to pay around $34.14 per month while someone that owns a 2008 Ford Focus may pay around $52.19 per month. Check out the list of recent quotes in Raleigh below.

VehicleAverage Monthly Rate
2005 Chrysler Town & Country$34.14
2008 Ford Focus$52.19
2016 Nissan Rogue$48.08
2007 Cadillac CTS$86.81
2007 Honda Cr-V$36.73
2015 Ford Explorer$42.14
2010 Chevrolet Tahoe$85.89
1991 Chevrolet Blazer$57.40
2021 Lexus IS 350 F-SPORT$57.40
2010 Chevrolet Tahoe$96.33

FAQ's for Drivers in Raleigh, NC

driver’s frequently asked question in Raleigh

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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Commute Time in Raleigh, NC

23.4 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Raleigh, NC

280

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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