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.
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.
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.
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Cheapest recent rates near Raleigh, North Carolina
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $63/mo for full coverage in Raleigh and other North Carolina cities.
*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on April 24, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 24, 2024. 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 April 24, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 24, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $89 per month for car insurance, similar to the state average monthly rate of $82 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.
Quick Facts
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 $116 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Travelers
4.3
$79
$51
Additional coverage
Erie
4.4
$63
$41
Customer satisfaction
GEICO
4.2
$72
$46
Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$80/mo
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.
Pros
Offers gap insurance, roadside assistance, and rental car coverage
Variety of discounts, such as multi-policy, multi-car, and usage-based telematics
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Rideshare insurance not available in North Carolina
We had a very minor collision while waiting at a traffic light. The vehicle in front of us claimed we crept forward. Since there was very little damage (none to our car), we submitted the claim. To our surprise, we found that the other driver reported $3000 worth of damage to the rear of his car, with the only visible damage being a cracked piece of chrome trim at the base of the hatch. We called Travelers immediately, warning them that it was a scam. They seemed indifferent and said they would pay the claim. This could be one of the reasons why insurance rates are so expensive.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$44/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
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.
Pros
Rate Lock feature allows you to lock in your premium
Accident forgiveness and diminishing deductibles available
Cons
Several complaints about Erie on the Better Business Bureau (BBB) website
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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
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.
Pros
Variety of discounts, including ones for safe driving, loyalty, and driver education
Award-winning mobile app
Cons
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
Everything was very good until I purchased a new car and my insurance premium skyrocketed!
Bradford - April 23, 2024
Verified
Average
The prices kept going up, which is not good for retirees.
George - April 23, 2024
Verified
We Trust Our Provider and Seek Comparison for Costs!
The reason we are checking rates is for comparison. Your survey lacks options that apply to us. If we have had no claims, how can we rate that? If there are no comparisons, how can we rate value or comment on costs? We are not dissatisfied with GEICO. We are just checking rates.
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.
Find Cheap Car Insurance in Raleigh
Liability rates start at $39 per month
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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.
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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $116 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.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
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.
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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 $92 per month with a speeding ticket.
Drivers in Raleigh with a speeding ticket may find the cheapest car insurance from the following companies:
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $97 per month for liability coverage and $184 per month for full coverage.
The following companies offer the cheapest policies in Raleigh for drivers with an at-fault accident:
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Insurance companies take driving under the influence very seriously. You’ll see your rates increase significantly after a DUI — if your insurance company doesn’t drop you altogether.
Drivers in Raleigh with a DUI pay a monthly average of $111 for minimum coverage. That average increases to $210 per month for full coverage.
That doesn’t mean you can’t find affordable options after a DUI, though. A number of insurance companies specialize in insuring tough-to-insure drivers, and many traditional insurers work with drivers with a DUI. Just be prepared to pay more for your insurance than you did before the DUI conviction.
The following insurers offer some of the most affordable monthly rates to drivers with a DUI in Raleigh:
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Auto insurance rates tend to be the most expensive for younger drivers, with rates generally decreasing for most drivers around age 35. If you’re a safe driver, your rates will usually stay low until you hit your 70s. Around age 70, insurance rates tend to increase due to slower reflexes and age-related declines.
Senior drivers in Raleigh pay a monthly average of $51 for liability insurance.
The following insurance companies offer the lowest monthly rates for senior drivers in Raleigh:
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenage drivers pay the highest premiums of any age demographic because they’re inexperienced behind the wheel. The higher risk level makes this age group the most likely to get into accidents, and insurance companies charge accordingly.
Teen drivers in Raleigh pay monthly averages of $95 for liability coverage and $181 for full coverage.
While teen drivers will eventually age out of this high-cost demographic, several strategies can help reduce insurance costs right away. These include:
Drive a safe car. Insurance companies like to see teens driving cars with practical safety features. If you need recommendations for affordable, safe cars, theInsurance Institute for Highway Safety put together a list of vehicles suitable for teen drivers.
Get good grades. Many insurance companies offer good student discounts to teen drivers who maintain a high GPA.
Learn defensive driving skills. Taking a driver education course focused on safety and defensive driving may also make a teen driver eligible for a discount.
Stay on your parent’s insurance policy. Though teen drivers may qualify for an auto insurance policy on their own, it’s typically much cheaper to stay on a parent’s insurance.
Teen drivers in Raleigh will find the lowest monthly car insurance rates from the following companies:
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Here’s how much a driver’s credit tier can influence average car insurance prices in Raleigh:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Raleigh?
The cost of car insurance in Raleigh is significantly less than the national average. Raleigh drivers pay an average of $116 per month for full coverage and $61 per month for liability-only coverage, but the national average price for auto insurance is $213 monthly for full coverage and $104 monthly for liability-only coverage.
Everything from geographic location, population density, crime statistics, and demographics can all factor into the price of an insurance policy. This helps explain why Raleigh’s average monthly premium costs are lower than the national average. It also explains why prices can vary within a single city.
More cities in North Carolina
See how Raleigh’s rates compare to some other North Carolina cities in the table below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Raleigh car insurance FAQs
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.
How much is car insurance in Raleigh?
Car insurance in Raleigh costs $89 per month, on average. Drivers pay $116 per month for full-coverage insurance and $61 per month for liability coverage. Your specific premium will depend on your insurer, driving record, credit history, vehicle type, age, coverage level, and more.
Which company has the cheapest car insurance in Raleigh?
Midvale Home & Auto has the cheapest car insurance in Raleigh, with monthly liability rates as low as $39. Erie and Nationwide also offer affordable coverage, with respective monthly liability rates of $44 and $44.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Raleigh?
With an Insurify Quality (IQ) Score of 4.3 out of 5 and an AM Best financial strength rating of A++ (Superior), Travelers is the best car insurance company in Raleigh. Of the insurers Insurify has rate data for, other top Raleigh insurers include Erie and GEICO.
What makes car insurance in North Carolina expensive?
Flood risk is one of the major factors that make car insurance expensive in some North Carolina cities. Generally, the closer you are to the coast, the higher your car insurance premiums will be.
Do you need medical payments coverage in North Carolina?
No. North Carolina law doesn’t require drivers to carry medical payments coverage. But you can talk to your insurance agent if you’re interested in adding this coverage to your car insurance policy.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
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.
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.
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Travelers
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