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.
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Proof of insurance must be carried in your car at all times and must available when:
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.
The state minimum amount of property damage liability coveragerequired 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.
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.
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.
|Failure to Stop for Red Light / Stop Sign||$184|
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.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.