Compare Raleigh, NC Car Insurance Rates (2021)

Car insurance in Raleigh, NC averages $281 a month. Raleigh, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Raleigh car insurance rates, compare quotes from the top car insurance companies in Raleigh, NC.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Raleigh for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Raleigh is Liberty Mutual
  • Average car insurance rates in Raleigh, NC after a DUI are $6,344/year

If you need to buy Raleigh, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Raleigh, NC is right here.

You’ll find Raleigh car insurance rates, the cheapest Raleigh, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Raleigh, North Carolina car insurance rates to Greensboro car insurance rates, Wilmington car insurance rates, and Fayetteville car insurance rates.

Ready to find affordable Raleigh, NC car insurance today? Enter your ZIP code for fast, free Raleigh car insurance quotes.

Cheapest Raleigh, NC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Raleigh, NC car insurance rates? Every Raleigh, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Raleigh, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,641 $5,641 $4,621 $4,621 $13,723 $13,723 $5,752 $5,752
GEICO $2,450 $2,405 $2,418 $2,375 $4,497 $4,458 $2,153 $2,141
Liberty Mutual $1,801 $1,801 $1,864 $1,864 $3,220 $3,220 $1,801 $1,801
Nationwide $2,321 $2,321 $2,321 $2,321 $3,983 $3,983 $2,321 $2,321
Progressive $1,730 $1,730 $1,592 $1,592 $4,104 $4,104 $1,927 $1,927
State Farm $2,589 $2,589 $2,239 $2,239 $3,825 $3,825 $3,200 $3,200
Travelers $2,617 $2,617 $2,596 $2,596 $4,499 $4,499 $2,686 $2,686

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Minimum Car Insurance in Raleigh, NC

Every driver must carry the minimum car insurance in Raleigh, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Raleigh, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Raleigh, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Raleigh, NC. Compare credit history car insurance rates in Raleigh from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Raleigh, North Carolina

Insurance Company Poor Fair Good
Allstate $10,016 $6,545 $5,742
GEICO $3,093 $2,849 $2,645
Liberty Mutual $2,172 $2,172 $2,172
Nationwide $2,737 $2,737 $2,737
Progressive $2,615 $2,286 $2,113
State Farm $4,162 $2,661 $2,067
Travelers $3,310 $3,013 $2,976

Cheapest Raleigh, NC Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Raleigh, NC to rates for a clean record with top companies.

Annual Raleigh, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,037 $7,104 $13,150 $5,447
GEICO $1,523 $2,275 $5,539 $2,113
Liberty Mutual $1,298 $1,663 $4,062 $1,663
Nationwide $1,616 $2,085 $5,159 $2,085
Progressive $1,121 $1,627 $5,030 $1,574
State Farm $1,570 $2,283 $5,718 $2,283
Travelers $1,844 $2,423 $5,749 $2,382

Cheapest Raleigh, NC Car Insurance for Teen Drivers

Teen car insurance in Raleigh, NC can be expensive. Take a look at rates from the top car insurance companies in Raleigh for teenagers.

Annual Car Insurance Rates for Teen Drivers in Raleigh, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,723 $13,723
GEICO $4,497 $4,458
Liberty Mutual $3,220 $3,220
Nationwide $3,983 $3,983
Progressive $4,104 $4,104
State Farm $3,825 $3,825
Travelers $4,499 $4,499

Cheapest Raleigh, NC Car Insurance for Seniors

Take a look at Raleigh, NC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Raleigh, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,621 $4,621
GEICO $2,418 $2,375
Liberty Mutual $1,864 $1,864
Nationwide $2,321 $2,321
Progressive $1,592 $1,592
State Farm $2,239 $2,239
Travelers $2,596 $2,596

Cheapest Raleigh, NC Car Insurance Rates After a DUI

A DUI in Raleigh, NC increases car insurance rates. Compare Raleigh, North Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Raleigh, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,150
GEICO $5,539
Liberty Mutual $4,062
Nationwide $5,159
Progressive $5,030
State Farm $5,718
Travelers $5,749

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Cheapest Raleigh, NC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Raleigh, NC by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Raleigh, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,434 $7,434
GEICO $2,862 $2,862
Liberty Mutual $2,172 $2,172
Nationwide $2,737 $2,737
Progressive $2,338 $2,338
State Farm $2,956 $2,971
Travelers $3,100 $3,100

Cheapest Raleigh, NC Car Insurance Rates by ZIP Code

Raleigh car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Raleigh, NC.

Annual Car Insurance Rates by ZIP Code in Raleigh, North Carolina

ZIP Code Average Annual Rates
27601 $3,527
27603 $3,215
27604 $3,529
27605 $2,840
27606 $2,865
27607 $2,776
27608 $2,846
27609 $3,494
27610 $3,449
27612 $2,928
27613 $2,906
27614 $2,971
27615 $2,945
27616 $3,453
27617 $2,911
27695 $2,895

The Best Cheap Car Insurance Companies in Raleigh, NC

Take a look at a side-by-side comparison of the top car insurance companies in Raleigh, NC to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Raleigh, North Carolina

Insurance Company Average Annual Rates
Allstate $7,434
GEICO $2,862
Liberty Mutual $2,172
Nationwide $2,737
Progressive $2,338
State Farm $2,963
Travelers $3,100

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Category Winners: Cheapest Car Insurance in Raleigh, North Carolina

Find the cheapest car insurance companies in Raleigh, NC for each category right here.

Best Annual Car Insurance Rates by Company in Raleigh, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

Cheapest Raleigh, NC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Raleigh car insurance rates. Find the cheapest Raleigh, NC car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Raleigh, North Carolina

Insurance Company Low Medium High
Allstate $7,157 $7,405 $7,741
GEICO $2,736 $2,852 $2,999
Liberty Mutual $2,068 $2,158 $2,288
Nationwide $2,625 $2,723 $2,862
Progressive $2,218 $2,324 $2,472
State Farm $2,841 $2,948 $3,101
Travelers $2,970 $3,083 $3,246

What affects car insurance rates in Raleigh, North Carolina?

What factors can have an impact on Raleigh, NC car insurance? There are several reasons why Raleigh car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Raleigh, North Carolina.

Commute Time in Raleigh

The more time you spend in your car the higher the risk of an accident. The average commute length in Raleigh, NC is 24.0 minutes according to City-Data.

Traffic in Raleigh

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Raleigh, NC traffic data from INRIX ranks Raleigh as the 967th-most congested in the world.

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Compare Car Insurance Quotes in Raleigh, NC

Ready to find affordable Raleigh, North Carolina car insurance today? Enter your ZIP code for fast, free Raleigh, NC car insurance quotes.

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