Plutus Award winner
12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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.
Updated October 20, 2024
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Table of contents
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 $83 per month for car insurance, similar to the state average monthly rate of $77 and less than the national monthly average of $158. 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.
Midvale Home & Auto, Erie, and Nationwide have the cheapest car insurance in Raleigh.
Liability insurance in Raleigh costs an average of $61 per month, and full coverage costs $104 per month.
North Carolina follows the pure contributory negligence rule, meaning anyone found partially at fault in an accident — even if only 1% — can’t sue another involved party.
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 | 9.0 | $80 | $52 | Additional coverage |
Erie | 9.0 | $63 | $41 | Customer satisfaction |
GEICO | 9.0 | $72 | $47 | Discounts |
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 28,000 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
User Reviews | 4.7 |
---|---|
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. | 9.0 /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. | $55/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. | $83/mo |
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Paul
October 14, 2024
Insurance and an Unfortunate Situation
Rebecca
October 14, 2024
Travelers
Susan
October 14, 2024
Decent Insurance, But Not the Best
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.
Offers gap insurance, roadside assistance, and rental car coverage
Variety of discounts, such as multi-policy, multi-car, and usage-based telematics
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
User Reviews | 4.1 |
---|---|
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. | 9.0 /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. | $43/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. | $66/mo |
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
Shannon
October 19, 2024
Could be Better
Francis
October 13, 2024
Great Insurance
Kathy
October 12, 2024
Tammy is my agent and she is wonderful
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.
Rate Lock feature allows you to lock in your premium
Accident forgiveness and diminishing deductibles available
Several complaints about Erie on the Better Business Bureau (BBB) website
Usage-based insurance not available
Best insurer for discounts: GEICO
User Reviews | 4.0 |
---|---|
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. | 9.0 /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. | $49/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. | $76/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Narasimha Rao
October 20, 2024
Not Value for Money, Always Extra Charges
Patti
October 20, 2024
Very Expensive Insurance
Ronald
October 20, 2024
GEICO
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.
Variety of discounts, including ones for safe driving, loyalty, and driver education
Award-winning mobile app
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.
Cheapest liability-only car insurance in Raleigh: Midvale Home & Auto
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 $61 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.
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 ▲▼ |
---|---|
Midvale Home & Auto | $36 |
Erie | $43 |
Nationwide | $43 |
GEICO | $49 |
Liberty Mutual | $53 |
Travelers | $55 |
Direct Auto | $56 |
Safeco | $56 |
Dairyland | $57 |
Allstate | $59 |
Progressive | $60 |
National General | $67 |
State Farm | $70 |
Cheapest full-coverage car insurance in Raleigh: Erie
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 $104 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.
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 ▲▼ |
---|---|
Erie | $66 |
Nationwide | $66 |
Midvale Home & Auto | $72 |
GEICO | $76 |
Travelers | $83 |
Allstate | $90 |
Progressive | $92 |
State Farm | $108 |
Direct Auto | $112 |
Safeco | $120 |
National General | $122 |
Liberty Mutual | $192 |
Dairyland | $269 |
Cheapest recent rates near Raleigh, North Carolina
Recent Raleigh, North Carolina car insurance prices for Subaru, Ford, Chrysler , and more.
*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on October 17, 2024
*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on October 17, 2024
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]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $30,000 per person / $60,000 per accident |
Property damage liability | $25,000 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.
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:
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 ▲▼ |
---|---|---|
Erie | $43 | $60 |
Nationwide | $43 | $59 |
GEICO | $49 | $67 |
Liberty Mutual | $53 | $78 |
Travelers | $55 | $76 |
Direct Auto | $56 | $77 |
Safeco | $56 | $78 |
Dairyland | $57 | $78 |
Allstate | $59 | $81 |
Progressive | $60 | $82 |
National General | $67 | $92 |
State Farm | $70 | $95 |
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 $173 per month for full coverage.
The following companies offer the cheapest policies in Raleigh for drivers with an at-fault accident:
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 |
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