120+ more*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
The cheapest insurance company in Raleigh is Nationwide.
Drivers in Raleigh pay an overall average of $94 per month for car insurance, which is slightly higher than the state average.
Raleigh is in Wake County, which ranks among the 100 worst counties in the country for vehicle theft, according to Insurify data.
Raleigh drivers pay $118 per month, on average, for full-coverage car insurance and $70 monthly for minimum coverage. Those rates are higher than North Carolina’s averages of $115 per month for full coverage and $69 per month for liability-only policies.
Raleigh’s population density, size, and role as North Carolina’s capital city contribute to its higher-than-average car insurance costs.
Nearly half a million people live in Raleigh’s 151 square miles. As a government, business, education, and cultural center in the state, Raleigh also sees heavy commuter traffic. And about 60% of Raleigh residents drive to work alone.[1]
Raleigh also has one of the highest motor vehicle theft rates in the country: 4.7 per 1,000 residents.
The table below shows how Raleigh’s overall average car insurance rate compares to North Carolina’s average.
Car Insurance Costs in Raleigh vs. North Carolina  | Average Monthly Quote |
|---|---|
| Raleigh average | $94 |
| North Carolina average | $92 |
Nationwide offers the cheapest car insurance rates in Raleigh, at $58 per month for liability-only coverage.
Direct Auto has the cheapest full-coverage rates in Raleigh, averaging $89 per month.
Minimum coverage starts as low as $58/mo.
Driving in Raleigh can be challenging due to the city’s traffic and construction projects, such as the widening and expansion of Brantley Boulevard. The projects will have long-term benefits but can create additional bottlenecks in the short term.
Parking is relatively accessible in Raleigh. Downtown Raleigh has 11,000 parking spaces. Parking is usually free for the first two hours, but after that, you must pay an hourly meter rate.
Winter conditions can make driving in Raleigh treacherous. On average, the city receives 6 inches of snow per year, and freezing rain and sleet can make roads hazardous.[2]
Vehicle theft is a major issue for Raleigh drivers. The Raleigh-Cary Metropolitan Statistical Area was among the 75 worst areas in the country for car theft in 2025, according to Insurify data. In 2024, the area had 3,158 vehicle thefts.
With a high rate of vehicle theft, Raleigh drivers may need additional coverage — such as comprehensive insurance — to protect their vehicles.
Raleigh’s busy roads can lead to accidents. The city logged 23,881 crashes in 2025, according to state data. Raleigh’s rates are more expensive than the state average, but drivers in other nearby cities often pay even higher rates.
Durham is the fourth-largest city in North Carolina based on population and is about 25 miles from Raleigh. Durham drivers pay an overall average of $92 per month for car insurance, in part because of its high theft rate. The Durham-Chapel Hill statistical area ranks as the 38th-worst area for vehicle theft in the U.S., according to Insurify data.
The table below shows the average auto coverage rates for cities in North Carolina:
City | Average Monthly Quote |
|---|---|
| Asheville | $78 |
| Cary | $81 |
| Chapel Hill | $78 |
| Charlotte | $111 |
| Durham | $92 |
| Fayetteville | $105 |
| Gastonia | $104 |
| Greensboro | $97 |
| Greenville | $103 |
| High Point | $99 |
| Jacksonville | $89 |
| Raleigh | $94 |
| Wilmington | $87 |
Heavy traffic makes it more likely that you’ll be in an accident, leading to higher insurance rates. Drivers in Raleigh typically commute 23 minutes to work. In Raleigh, most crashes occur after 4 p.m., when people are making their way home from work, according to NC Vision Zero.
INRIX named Raleigh as one of the 50 worst cities for congestion in the country for 2025, and drivers in the city lose about 31 hours per year due to traffic.
One of the busiest corridors is U.S. Route 1/Capital Boulevard, which is scheduled to undergo a major overhaul to reduce traffic and travel times. The project will expand the highway to six lanes.
North Carolina requires drivers to buy at least $50,000 in bodily injury liability coverage per person and $10,000 per accident, $50,000 in property damage liability, and $50,000 per person and $100,000 per accident in uninsured/underinsured motorist protection.[3]
The cheapest insurer in Raleigh for liability coverage is Nationwide. Policyholders pay a monthly average of $58.
The table below shows the cheapest rates for liability coverage in Raleigh.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Rate: Liability Only |
|---|---|
| Erie | $58 |
| Nationwide | $58 |
| Direct Auto | $67 |
| GEICO | $67 |
| Liberty Mutual | $67 |
| National General | $67 |
| Progressive | $67 |
| Safeco | $71 |
| Travelers | $75 |
| Dairyland | $78 |
| Allstate | $80 |
| State Farm | $96 |
On average, Raleigh drivers pay $118 per month for full-coverage policies. The cheapest insurer for full-coverage insurance in Raleigh is Direct Auto, with rates averaging $89 per month.
Approximately 65% of Raleigh’s drivers own their vehicles and could save money by buying liability-only coverage. But the city has a high percentage of drivers with accidents (6.7%), Insurify data shows.
And Wake County usually leads the state for animal-related collisions. Between 2022 and 2024, the county recorded more than 2,600 crashes involving animals, usually deer. If you hit a deer without a full-coverage policy, you’d be responsible for repairing or replacing your vehicle entirely on your own.
The table below shows the lowest rates for full-coverage insurance in Raleigh.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Direct Auto | $89 |
| Progressive | $90 |
| National General | $91 |
| Erie | $101 |
| Nationwide | $101 |
| Liberty Mutual | $110 |
| GEICO | $115 |
| Safeco | $115 |
| Travelers | $129 |
| Allstate | $139 |
| Dairyland | $159 |
| State Farm | $167 |
*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Raleigh, speed was a factor in nearly 8% of crashes in 2025. And approximately 4.9% of Raleigh’s drivers have tickets on their driving records, according to Insurify data.
North Carolina instituted the Safe Driver Incentive Plan, which gives drivers a financial incentive to drive safely.[4] If your driving history includes a speeding ticket, your insurance rates can go up anywhere from 40% to 90%.
The table below highlights the lowest average rates for drivers with speeding tickets in Raleigh.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Nationwide | $78 |
| Erie | $79 |
| National General | $87 |
| Direct Auto | $87 |
| Liberty Mutual | $88 |
| Progressive | $90 |
| GEICO | $91 |
| Safeco | $96 |
| Dairyland | $101 |
| Travelers | $101 |
| Allstate | $108 |
| State Farm | $126 |
North Carolina is a tort, or at-fault, state, so the driver at fault can be financially responsible for the damages and injuries they cause. Nearly 7% of Raleigh’s drivers have at-fault accidents on their records.
While your rates will likely increase after an accident, you can save money by shopping around.
The following table shows the cheapest rates for drivers with at-fault accidents on their records in Raleigh.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $80 |
| Nationwide | $81 |
| GEICO | $91 |
| Liberty Mutual | $92 |
| National General | $93 |
| Direct Auto | $95 |
| Progressive | $95 |
| Safeco | $102 |
| Travelers | $105 |
| Dairyland | $107 |
| Allstate | $111 |
| State Farm | $132 |
In Raleigh, 0.8% of drivers have a driving while impaired (DWI) conviction on their records, Insurify data shows.
North Carolina has steep penalties for DWIs. Through the state’s Safe Driver Incentive Plan, drivers with a DWI on their records will pay a surcharge. Surcharge rates can increase between 90% and 340% for a DWI with a blood-alcohol content (BAC) of 0.08% or more. A DWI with a BAC of 0.08% or higher will result in 12 points, and the surcharges stay in place for five years.
The table below shows the cheapest rates for drivers with DWIs on their records in Raleigh.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Nationwide | $121 |
| Erie | $121 |
| GEICO | $139 |
| Direct Auto | $140 |
| Liberty Mutual | $140 |
| National General | $140 |
| Safeco | $154 |
| Travelers | $156 |
| Dairyland | $163 |
| Allstate | $167 |
| Progressive | $183 |
| State Farm | $200 |
Nearly 20% of Raleigh’s population is aged 18 or younger, and teens accounted for about 9% of the city’s vehicle accidents in 2025.
Rates for teen drivers can be quite expensive in Raleigh thanks to North Carolina’s inexperienced operator surcharge, which applies to drivers with less than eight years of driving experience. The surcharge is at its highest during years one through three but gradually decreases as the driver gets more experience.
For teens in Raleigh, Nationwide is the cheapest insurer, with drivers paying $113 per month.
The table below shows the lowest car insurance rates for teens in Raleigh.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $107 |
| Nationwide | $113 |
| Liberty Mutual | $117 |
| GEICO | $121 |
| Progressive | $121 |
| Direct Auto | $130 |
| National General | $134 |
| Dairyland | $136 |
| Safeco | $144 |
| Travelers | $156 |
| Allstate | $158 |
| State Farm | $186 |
Comparing rates through Insurify could cut your bill up to 50%
Raleigh seniors, who make up just 12% of the city’s population, pay car insurance averages of $104 per month for full coverage and $61 per month for liability-only policies.
The cheapest insurer for Raleigh seniors is Nationwide, with a liability-only average of $45 per month.
In Raleigh (and the rest of North Carolina), seniors aged 66 and older must renew their license every five years. That’s a shorter renewal period than the eight-year period that applies to younger drivers.
The table below shows the lowest average rates for senior drivers in Raleigh.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $45 |
| Nationwide | $45 |
| National General | $53 |
| GEICO | $54 |
| Direct Auto | $55 |
| Liberty Mutual | $56 |
| Progressive | $59 |
| Travelers | $60 |
| Safeco | $63 |
| Allstate | $65 |
| Dairyland | $67 |
| State Farm | $76 |
Finding the best car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Raleigh.
Raleigh drivers pay an overall average of $94 per month for car insurance. That breaks down to $118 monthly for full coverage and $70 per month for liability-only coverage.
In Raleigh, the cheapest car insurance company for liability coverage is Nationwide. Drivers pay an average cost of $58 per month. Direct Auto has the lowest full-coverage rates, averaging $89 monthly.
In general, State Farm is more expensive for car insurance than GEICO for Raleigh drivers. Raleigh State Farm customers pay an average of $163 per month for full coverage, while GEICO drivers pay an average of $114 per month.
Yes. Drivers in North Carolina must have car insurance policies that meet the following minimum coverage requirements: $50,000/$100,000 in bodily injury liability coverage, $50,000 in property damage liability, and $50,000/$100,000 in uninsured/underinsured motorist coverage.
But with Raleigh’s high theft rate and congestion, you may want higher coverage limits or a full-coverage policy for added peace of mind.
You can lower the cost of an auto policy in Raleigh by talking to your insurance agent about available discounts, such as good student or safe driving discounts. You can also enroll in usage-based insurance or telematics coverage, adjust your deductible, and shop around and compare auto insurance quotes from several insurers.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
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