Cheap Auto Insurance Quotes in Raleigh, NC (January 2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Tar Heel State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Most people in Raleigh commute to work by car. Raleigh is not as walkable as other large cities in the U.S., and the average household has two cars. Having a car insurance policy in Raleigh is therefore vital for most people to get around.

Car Insurance in Raleigh, NC

The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Raleigh, NC to find you the cheapest quotes in the area.
GEICOProgressiveTravelersNationwideState Farm

Cheapest Car Insurance in Raleigh, NC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Raleigh, NC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Raleigh. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

North CarolinaCharlotteGreensboroDurhamWinston-SalemRaleigh
Click here to learn about car insurance quotes and save on your current policy.

Raleigh, NC Driving Facts


Minimum Car Insurance Requirements in NC

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

Raleigh Car Insurance Rates by Driver Age

Driving in Raleigh is pretty affordable for most individuals, as car insurance rates often stay around the same price range, no matter how old you are. New motorists under the age of 20 tend to be charged the most, at $166, while the least expensive rates of $103 are awarded to those in their 60s. Drivers here may experience fluctuations in their premiums over the course of their lifetime but won’t see significant changes as a whole.

Driving History
No Violation$138
Speeding Ticket$136
At-Fault Accident$135
Failure to Stop for Red Light / Stop Sign$184

Raleigh Car Insurance Rates by Driving and Accident History

Motorists in Raleigh who fail to stop at an intersection may be surprised to see just how much their car insurance rates are affected. Compared to the prices for drivers who have no violations on their record at $137, this type of incident can add nearly $50. Those who are caught speeding or are involved in an at-fault accident will notice that their premiums hardly change at all or may even drop by a few dollars.

Raleigh Car Insurance Rates by Credit Tier

Having great credit will often save you money in a variety of ways, but if you live in Raleigh, don’t expect it to affect your car insurance too much. Drivers here tend to pay roughly the same no matter how good or poor their credit rating is, with a $30 difference at most between various tiers. Those in the lowest tier can expect their premium to be roughly $121, while motorists with excellent credit are often charged $152.

Raleigh, NC DMV Information

There are five DMV offices in Raleigh, and two of them can help you with registering your vehicle. One is located downtown and the other is in North Raleigh. You’ll need proof of insurance, but that’s easy to obtain online with Insurify. You’ll be able to compare customized quotes from multiple insurers and apply for a policy directly.

Public Transportation in Raleigh, NC

You can get around downtown Raleigh on the free R-Line circulator, and the GoRaleigh bus system has fixed routes around the city as well. Uber and Lyft operate in the city, along with traditional taxi service and Bird scooter rentals starting at just $1. But since workers commute an average of 23 minutes to get to work, most rely on their cars. Only about 2 percent of workers use public transit to commute, while about 85 percent get to work by car.

Find local Raleigh agents

2607 Glenwood Ave, Raleigh, NC 27608
CapInsure Services 
1001 Wade Ave, Raleigh, NC 27605
Carolina Capital Insurance Group 
1009 Bullard Ct. Ste 201, Raleigh, NC 27615
Guided Insurance Solutions 
9121 Anson Way, Raleigh, NC 27615
IGO Insurance Agency, Inc. 
8117 Ebenezer Church Road, Raleigh, NC 27612
Grimes Insurance Group, LLC 
112 Wind Chime Ct., Raleigh, NC 27615
Snipes Insurance Service, Inc. Raleigh 
617 Oberlin Road, Raleigh, NC 27605
Business Risk Management Inc. 
8801 Fast Park Drive, Raleigh, NC 27617
Collins Insurance & Financial Solutions 
5300 Atlantic Ave., Ste. 106-S, Raleigh, NC 27609
Marsh & McLennan Agcy - Raleigh 
2301 Sugar Bush Rd, Raleigh, NC 27612

Insurify Insights: How Raleigh Drivers Measure Up

Honda Accord
Most Popular Car in
Raleigh, NC
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Raleigh drivers measure up to their fellow North Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Raleigh

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Raleigh drivers rank 6 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #6
  • Percent of drivers in Raleigh with an accident: 13.7%
  • Drivers in Raleigh, NC with an accident in their driving history paid on average 11.11% more than drivers with a clean record

Speeding in Raleigh

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Raleigh drivers rank 6 in the number of speeding infractions per driver.

  • Rank within state: #6
  • Percent of drivers in Raleigh with a speeding ticket: 12.04%
  • Drivers in Raleigh, NC with a speeding ticket in their driving history paid on average 18.8% more than drivers with a clean record

DUI/DWIs in Raleigh

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Raleigh drivers rank 27 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #27
  • Percent of drivers in Raleigh with a DUI: 1.35%
  • Drivers in Raleigh, NC with a DUI in their driving history paid on average 37.61% more than drivers with a clean record

Rude in Raleigh

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Raleigh drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Raleigh with a reckless driving violation: 2.15%
  • Drivers in Raleigh, NC with a reckless driving violation in their driving history paid on average 19.66% more than drivers with a clean record.

Safest Drivers in Raleigh

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Raleigh drivers rank 13 in clean driving records across all cities in North Carolina.

  • Rank within state: #13
  • Percent of drivers in Raleigh with clean record: 76.48%

Failure to Yield the Right of Way in Raleigh

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Raleigh drivers rank 2 in failure to yield violations per driver across all cities in North Carolina.

  • Rank within state: #2
  • Percent of drivers in Raleigh with a failure to yield violation: 0.64%
  • Drivers in Raleigh, NC with a failure to yield violation in their driving history paid on average 1400% more than drivers with a clean record

Reckless Drivers in Raleigh

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Raleigh drivers rank 6 in the number of reckless driving offenses per driver.

  • Rank within state: #6
  • Percent of drivers in Raleigh with a reckless driving offense: 0.19%

Most Popular Vehicle in Raleigh

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Raleigh is the Honda Accord.

How to get the best and cheapest car insurance in Raleigh, NC

If you drive in Raleigh, you’ll need at least $30,000 per person and $60,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage. But for adequate protection, you should consider a more robust policy.

An estimated 6.5 percent of drivers in North Carolina lack insurance, so it’s a good idea to get uninsured motorist coverage in Raleigh. If you have a loan or a lease, you’ll likely need full coverage as well. Luckily, a good insurance policy doesn’t have to cost an arm and a leg. You could save hundreds just by comparing car insurance premiums with Insurify.

FAQs - Raleigh, NC Car Insurance

How much does car insurance in Raleigh cost?

Car insurance in Raleigh is relatively affordable, costing an average of $93 per month. That’s only slightly higher than the state average and significantly lower than the national average. What’s more, some insurance providers may be able to offer rates closer to $56 per month to drivers with a clean record.

Will my credit score impact my premium in Raleigh?

Yes. Having no credit in North Carolina can increase your premium up to 107 percent when compared to what drivers with excellent credit would pay. But every insurer weighs credit information differently, and for some policies, your premium may not be impacted at all. That’s why it’s important to compare customized quotes from different insurers based on your credit score. With Insurify, you’ll be able to easily identify the lowest possible rate for the auto insurance coverage you need.

What is the penalty for driving uninsured in Raleigh?

For your first lapse, you’ll pay a $50 fine plus a $50 license reinstatement fee. If you get in an accident while driving uninsured, your license will be suspended for one year and you’ll receive three points on your driving record. What’s more, you’ll be on the hook for all damages if you cause an accident while driving without insurance.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!