Cheap Auto Insurance Quotes in Raleigh, NC (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Raleigh, NC

Here are the cheapest carriers in Raleigh for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Raleigh. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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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
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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.

Driver's AgeAvg. Monthly Cost
teens$167
20s$135
30s$126
40s$161
50s$167
60s$104
70s$117
80s$118
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$153
Good$133
Average$138
Poor$122

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Raleigh stacks up for the state of North Carolina:

honda
Honda Accord
Most Popular Car in
Raleigh, NC
suspended licenses
#32
Cities with Most
Suspended Licenses Rank

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.