Cheapest Auto Insurance in Raleigh, North Carolina (2026)

Raleigh, North Carolina, is the capital and the second-largest city in the state. With its prevalence of stately oak trees, it’s also known as the City of Oaks.

Drivers in Raleigh pay an overall average rate of $85 per month for car insurance, similar to the state average monthly rate of $78 and less than the national monthly average of $136. These low car insurance rates can be partly attributed to the city’s relatively low cost of living. 

The best car insurance in Raleigh will vary from driver to driver since multiple factors affect your rates. Here’s what you need to know about comparing quotes and finding the best car insurance coverage in Raleigh.

3 of the cheapest car insurance companies in Raleigh

The right car insurance company won’t be the same for every driver in Raleigh. Your individual circumstances and insurance needs will affect which company has the best rates and options for you.

That’s partially because each insurer uses several factors to calculate premium prices, including your age, marital status, ZIP code, driving history, and even credit score.

Though each situation is different, drivers in Raleigh may want to look for affordable coverage from Travelers, Erie, and GEICO. 

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Travelers	8.5	$117	$78	Additional coverage
Erie	8.4	$93	$61	Customer satisfaction
GEICO	9.2	$106	$70	Discounts

Disclaimer: Table data sourced from real-time Raleigh car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Raleigh may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for additional coverage: Travelers

Additional Coverage

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User Reviews	4.7 559 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$84/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$126/mo

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Driver Reviews

4.7

Best choice in Raleigh, NCBased on 1,239 verified driver reviews and ratings

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best in Raleigh for

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best in Raleigh for

Numerous discounts

Gap insurance

Rideshare coverage

Showing recent national reviews - See all 559 Travelers reviews

John

Verified Review

Florida Auto Insurance is High!

Reviewed in Florida on February 25, 2026

Auto insurance in Florida is high to begin with, so shop around with several companies.

William

Verified Review

No loyalty at all

Reviewed in Florida on February 20, 2026

Increases premium every renewal.

Anthony

Verified Review

I'm not happy with the rental car costs

Reviewed in Maryland on February 11, 2026

It's sad. I've been paying full coverage since I bought the vehicle in November 2017. Someone hit the back of my truck when it wasn't occupied, and no witness came forward. Now I have to pay a $500 deductible and $40 a day for a rental. I don't think it's right that I have to spend money on a vehicle I already pay insurance for.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

616

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Travelers issued its first auto insurance policy in 1897, making it the oldest car insurance company in the United States. This insurer offers a robust list of coverage options.

Pros

• Offers gap insurance, roadside assistance, and rental car coverage

• Variety of discounts, such as multi-policy, multi-car, and usage-based telematics

Cons

• Below-average J.D. Power customer satisfaction rating in the Southeast region

• Rideshare insurance not available in North Carolina

Best insurer for customer satisfaction: Erie

Customer Satisfaction

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User Reviews	4.4 223 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$66/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$100/mo

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Driver Reviews

4.4

Best choice in Raleigh, NCBased on 481 verified driver reviews and ratings

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best in Raleigh for

High customer satisfaction

Competitive rates

Optional coverages

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best in Raleigh for

High customer satisfaction

Competitive rates

Optional coverages

Showing 8 North Carolina reviews for Raleigh drivers - See all 223 Erie Insurance reviews

Lauren

Verified Review

Excellent company and people there.

Reviewed in North Carolina on February 21, 2026

Excellent company until they canceled my policy following a three-car accident for which I was not at fault and received no citations.

Ethelbert

Verified Review

Current company has been great; however, rate increases have forced me to sign with new company.

Reviewed in North Carolina on January 30, 2026

My current insurance, which cancels for a new company policy tomorrow, has been great in terms of the people, customer service, and thoughtfulness.

Steve

Verified Review

Erie Insurance

Reviewed in North Carolina on January 29, 2026

Never had any problems. Premiums are high.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

700

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Erie has an above-average rating in J.D. Power’s 2023 U.S. Auto Insurance Study, making this insurer among the very best for customer satisfaction in the Southeast region.

Pros

• Rate Lock feature allows you to lock in your premium

• Accident forgiveness and diminishing deductibles available

Cons

• Several complaints about Erie on the Better Business Bureau (BBB) website

• Usage-based insurance not available

Best insurer for discounts: GEICO

Discounts

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User Reviews	4.0 7,372 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$75/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$114/mo

Show Details

Driver Reviews

4.0

Best choice in Raleigh, NCBased on 15,685 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Raleigh for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Raleigh for

Teen drivers

Cheap rates

Accident forgiveness

Showing 43 North Carolina reviews for Raleigh drivers - See all 7,372 GEICO reviews

David

Verified Review

Just Okay!

Reviewed in North Carolina on February 17, 2026

My current insurance is okay, but the premium payment seems to be creeping upwards. Other than that, nothing negative to report.

David

Verified Review

GEICO rate increase

Reviewed in North Carolina on February 5, 2026

GEICO doubled my rates for no other reason than the car was bought new. I've been with GEICO for over 30 years, and this increase is disappointing.

Lawrence

Verified Review

GEICO's Customer Service Issues

Reviewed in North Carolina on February 3, 2026

GEICO made a mistake transcribing my VIN, putting me through a difficult time registering my car and causing the DMV to report lapses of insurance to credit bureaus. On top of that, they say I’m responsible for a change in the premium dating back to when they made the mistake. My GEICO agent blamed me for the mistake because my car purchase was at 7:00, after agency hours.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO offers a robust number of potential discounts. Each discount could save you upward of 25%, according to GEICO’s website, and drivers can use multiple discounts to save even more.

Pros

• Variety of discounts, including ones for safe driving, loyalty, and driver education

• Award-winning mobile app 

Cons

• Has few local insurance agents, meaning most clients must use the app rather than an insurance agency for all questions

• Below-average J.D. Power customer satisfaction rating in the Southeast region

How to get the cheapest car insurance in Raleigh

Insurance companies use a number of different factors to calculate a driver’s rates, and the importance of any one factor will vary from one insurer to another.

But you can use several tried-and-true strategies to make sure you find the insurance you need at a price you can afford:

• Be a defensive driver. Maintaining a clean driving record with no traffic violations, citations, or accidents is the single most effective way to keep your auto insurance costs low.

• Compare quotes. Since each insurance company uses different underwriting requirements to determine your rates, shopping around to check rates from multiple companies can help you find the best price for your circumstances.

• Take advantage of discounts. The majority of insurers offer discounts to customers. Some common discounts may include a loyalty program, which lowers all your rates if you bundle home insurance or renters insurance with car insurance, vehicle equipment discounts, affiliation discounts, and discounts for driver’s education.

• Raise your deductible. A higher deductible will result in lower premium rates. But make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.

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Liability rates start at $66 per month

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Cheapest liability-only car insurance in Raleigh: Nationwide

Liability-only car insurance will pay to repair or replace the other party’s damaged vehicle and for the other party’s associated medical costs after an accident. If you have liability-only car insurance and cause an accident, you’ll have to pay out of pocket to repair or replace your car and for your own medical costs. A liability-only policy typically works better for drivers with older, less-expensive vehicles that are no longer financed.

Liability insurance costs an average of $71 per month in Raleigh.

You can save money on premiums with liability-only coverage since it’s less expensive than full-coverage insurance. The following insurers offer the cheapest liability-only car insurance in Raleigh.

The below rates in Raleigh, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
Nationwide	$66
Erie	$66
Direct Auto	$71
Liberty Mutual	$71
National General	$71
Progressive	$73
Safeco	$75
GEICO	$75
Dairyland	$80
Travelers	$84
Allstate	$90
State Farm	$109

Disclaimer: Table data sourced from real-time Raleigh car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Raleigh may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Raleigh: Progressive

Liability-only coverage may not be enough insurance for many drivers. Full-coverage car insurance, which usually includes collision and comprehensive coverage, costs more but can offer more security.

Raleigh drivers pay a monthly average of $98 for full-coverage insurance.

Collision coverage will pay for the damage to your car if you cause an accident, and comprehensive coverage will pay to repair or replace your car if it gets damaged by something other than an accident — such as weather, theft, vandalism, or flooding.

If you lease or finance a car, you’ll usually need to carry full-coverage car insurance because most lenders require it. New-car owners and people who park overnight on the street may also find full coverage a good idea. 

Here are the cheapest full-coverage car insurance companies in Raleigh.

The below rates in Raleigh, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
Progressive	$88
Direct Auto	$93
Nationwide	$99
Erie	$100
National General	$102
GEICO	$114
Liberty Mutual	$126
Travelers	$126
Safeco	$131
Allstate	$136
State Farm	$164
Dairyland	$178

Disclaimer: Table data sourced from real-time Raleigh car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Raleigh may vary based on the policy buyer's unique driver profile.

Car insurance requirements in North Carolina

As an at-fault state, North Carolina requires the driver who causes an accident to pay for damages. In other words, if you cause an accident, your insurance will pay for repairs or medical costs.

What makes the Tar Heel State a little unusual is its pure contributory negligence rule for at-fault accidents. Under this rule, you can’t sue another party for damages if you’re determined to share any portion of fault for an accident — even as little as 1% fault.^[1]

In addition, North Carolina requires all drivers to carry uninsured/underinsured motorist coverage. This insurance kicks in if an uninsured driver causes an accident that damages your property or incurs medical costs. Since it’s required by North Carolina law, any policy you purchase in the state will include this coverage to meet the minimum state requirements.^[2]

The specific coverage limits required in the state increase on July 1, 2025. The table below reflects the change in requirements:^[2]

Coverage	Current Coverage Limits	Coverage Limits as of July 1, 2025
Bodily injury liability	$30,000 per person / $60,000 per accident	$50,000 per person / $100,000 per accident
Property damage liability	$25,000 per accident	$50,000 per accident

You may also purchase additional coverage on top of your state-mandated liability coverage. Some common coverage options include:

• 

  Collision coverage

  Collision insurance will pay to repair or replace an at-fault driver’s vehicle, which is especially important in North Carolina, as it’s an at-fault state following the pure contributory negligence rule.

• 

  Comprehensive coverage

  Comprehensive insurance will pay to repair or replace your vehicle if you damage it in something other than an accident.

• 

  Roadside assistance coverage

  Roadside assistance coverage pays for towing expenses if your car breaks down.

Cheapest car insurance for drivers with an incident

Having an incident on your driving record — such as a speeding ticket, an at-fault accident, a DUI, or another moving violation — can increase your car insurance costs. Drivers with moving violations represent a higher level of risk to insurers, which is why they pay higher rates than drivers with a clean record.

But drivers with a spotty history can still find affordable car insurance. Many insurers offer accident forgiveness, defensive driving courses, and other ways to save on car insurance after an incident.

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Cheapest car insurance for drivers with a speeding ticket

Getting a speeding ticket may seem like no big deal, so it can come as a surprise when one causes your car insurance premiums to increase. There’s a reason insurance companies take citations for speeding so seriously: The National Highway Traffic Safety Administration found that 32% of traffic fatalities in North Carolina were speeding-related in 2020.^[3]

Liability insurance in Raleigh costs an average of $95 per month with a speeding ticket.

Drivers in Raleigh with a speeding ticket may find the cheapest car insurance from the following companies:

The below rates in Raleigh, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With Speeding Ticket
Nationwide	$66	$89
Erie	$66	$90
Direct Auto	$71	$92
Liberty Mutual	$71	$94
National General	$71	$92
Progressive	$73	$98
Safeco	$75	$102
GEICO	$75	$101
Dairyland	$80	$103
Travelers	$84	$113
Allstate	$90	$121
State Farm	$109	$143

Disclaimer: Table data sourced from real-time Raleigh car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Raleigh may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

If you have an at-fault accident on your record, you can generally expect higher rates than accident-free drivers. Depending on your driving history and the circumstances and severity of the accident, your insurer may even drop you after an at-fault accident.

Raleigh drivers with an at-fault accident pay an average of $101 per month for liability coverage and $140 per month for full coverage.

The following companies offer the cheapest policies in Raleigh for drivers with an at-fault accident:

The below rates in Raleigh, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With Accident
Nationwide	$66	$92
Erie	$66	$91
Direct Auto	$71	$101
Liberty Mutual	$71	$98
National General	$71	$98
Progressive	$73	$104
Safeco	$75	$109
GEICO	$75	$101
Dairyland	$80	$110
Travelers	$84	$117
Allstate	$90	$125
State Farm	$109	$150

Disclaimer: Table data sourced from real-time Raleigh car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Raleigh may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Insurance companies take driving under the influence very seriously. You’ll see your rates increase significantly after a DUI — if your insurance company doesn’t drop you altogether.

Drivers in Raleigh with a DUI pay a monthly average of $153 for minimum coverage. That average increases to $211 per month for full coverage.

That doesn’t mean you can’t find affordable options after a DUI, though. A number of insurance companies specialize in insuring tough-to-insure drivers, and many traditional insurers work with drivers with a DUI. Just be prepared to pay more for your insurance than you did before the DUI conviction.

The following insurers offer some of the most affordable monthly rates to drivers with a DUI in Raleigh:

The below rates in Raleigh, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Clean Driving Record	With DUI
Nationwide	$66	$119
Erie	$66	$120
Direct Auto	$71	$128
Liberty Mutual	$71	$128
National General	$71	$128
Progressive	$73	$157
Safeco	$75	$143
GEICO	$75	$135
Dairyland	$80	$145
Travelers	$84	$152
Allstate	$90	$163
State Farm	$109	$197

Disclaimer: Table data sourced from real-time Raleigh car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Raleigh may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Auto insurance rates tend to be the most expensive for younger drivers, with rates generally decreasing for most drivers around age 35. If you’re a safe driver, your rates will usually stay low until you hit your 70s. Around age 70, insurance rates tend to increase as senior drivers are more likely to get into accidents or get seriously injured in an accident.

Senior drivers in Raleigh pay a monthly average of $64 for liability insurance.

The following insurance companies offer the lowest monthly rates for senior drivers in Raleigh:

The below rates in Raleigh, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Liability Only	Full Coverage
Nationwide	$52	$77
Erie	$52	$78
National General	$57	$82
Direct Auto	$58	$77
Liberty Mutual	$61	$107
GEICO	$61	$93
Progressive	$65	$79
Safeco	$67	$117
Travelers	$68	$103
Dairyland	$69	$154
Allstate	$75	$113
State Farm	$88	$132

Disclaimer: Table data sourced from real-time Raleigh car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Raleigh may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teenage drivers pay the highest premiums of any age demographic because they’re inexperienced behind the wheel. The higher risk level makes this age group the most likely to get into accidents, and insurance companies charge accordingly.

Teen drivers in Raleigh pay monthly averages of $134 for liability coverage and $184 for full coverage.

While teen drivers will eventually age out of this high-cost demographic, several strategies can help reduce insurance costs right away. These include:

• Drive a safe car. Insurance companies like to see teens driving cars with practical safety features. If you need recommendations for affordable, safe cars, the Insurance Institute for Highway Safety put together a list of vehicles suitable for teen drivers.

• Get good grades. Many insurance companies offer good student discounts to teen drivers who maintain a high GPA.

• Learn defensive driving skills. Taking a driver education course focused on safety and defensive driving may also make a teen driver eligible for a discount.

• Stay on your parent’s insurance policy. Though teen drivers may qualify for an auto insurance policy on their own, it’s typically much cheaper to stay on a parent’s insurance.

Teen drivers in Raleigh will find the lowest monthly car insurance rates from the following companies:

The below rates in Raleigh, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Liability Only	Full Coverage
Erie	$123	$187
Liberty Mutual	$127	$226
Nationwide	$131	$197
Progressive	$137	$166
GEICO	$137	$208
Dairyland	$138	$307
Direct Auto	$139	$182
National General	$146	$210
Safeco	$154	$269
Travelers	$177	$266
Allstate	$181	$274
State Farm	$215	$324

Disclaimer: Table data sourced from real-time Raleigh car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Raleigh may vary based on the policy buyer's unique driver profile.

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Raleigh car insurance quotes by credit tier

Insurers in North Carolina can use your credit history when determining your car insurance premium. Drivers with fair or poor credit scores typically face higher premiums than drivers with good or excellent scores.

Here’s how much a driver’s credit tier can influence average car insurance prices in Raleigh:

Is car insurance more expensive in Raleigh?

The cost of car insurance in Raleigh is significantly less than the national average. Raleigh drivers pay an average of $98 per month for full coverage and $71 per month for liability-only coverage, but the national average price for auto insurance is $173 monthly for full coverage and $99 monthly for liability-only coverage.

Everything from geographic location, population density, crime statistics, and demographics can all factor into the price of an insurance policy. This helps explain why Raleigh’s average monthly premium costs are lower than the national average. It also explains why prices can vary within a single city.

More cities in North Carolina

See how Raleigh’s rates compare to some other North Carolina cities in the table below.

City	Full Coverage	Liability Only
Charlotte	$111	$86
Fayetteville	$108	$81
High Point	$98	$74
Jacksonville	$90	$68

Disclaimer: Table data is based on real-time Raleigh quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Raleigh car insurance FAQs