Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 29, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Car insurance in Raleigh must be obtained from a company authorized to do business in North Carolina
  • Car insurance in Raleigh is regulated by the insurance laws of North Carolina
  • Most major insurance companies have offices in Raleigh that are staffed by local agents
  • Expect to pay an average of $55 a month for full coverage

Raleigh residents are required by law to have adequate car insurance coverage.

Without insurance coverage, Raleigh drivers will have to surrender their license to the state.

Make sure you get the best rate on car insurance by using our FREE quote comparison tool!

Table of Contents

Car Insurance Requirements and Laws in Raleigh

The governing laws surrounding Raleigh auto insurance are those of the state of North Carolina.

One such rule North Carolina car insurance is called tort, which means that if an accident occurs, one of the drivers must be found at fault.

The state requirements include thresholds for minimum car insurance coverage, which are given below.

  • Bodily Injury  $30,000/$60,000
  • Property Damage  $25,000
  • Uninsured Motorist  $30,000/$60,000
  • Uninsured Motorist Property Damage – $25,000

More coverage, including collision coverage, can be purchased at the driver’s discretion. However, the liability insurance must be carried by all drivers.

Proof of this coverage must always be with the driver when they are operating a vehicle.

Failure to maintain liability insurance in North Carolina results in a letter being sent to the driver.

If the driver does not respond with proper proof of insurance within ten days of the letter’s date, the license plate on the vehicle will be lost for thirty days.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Raleigh Companies Offering Car Insurance

Since Raleigh is a larger city, it is not difficult to obtain auto insurance coverage. Most major insurance companies, such as Allstate, Farmers, or Nationwide, have offices in the city.

In addition, drivers may choose to purchase coverage via phone, or online from a company that does not have offices in the local area.

However, this should only be done once the driver has made sure the company is authorized to do business in North Carolina.

There are some regional companies that offer car insurance to drivers, including Direct General Auto Insurance and Hix Insurance.

There are also small, local insurance offices where drivers can choose their insurance provider.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Car Insurance Rates

Remember that lots of factors determine the insurance rates that drivers are quoted including:

  • Credit score
  • Driving history
  • Type of vehicle

Based on auto insurance rate data from around the country, Raleigh car insurance rates are among the lowest city rates in the nation.

Car insurance rates can also be lowered under the North Carolina Driver Incentive Plan, which uses a point system to reward safe driving.

When a driver is found at fault in a traffic accident, points are added to their drivers’ license. The more points a driver has, the higher their insurance rates will be.

Comparing Quotes

Raleigh drivers should know that car insurance is a requirement, not an option if they want to operate their vehicles on the right side of the law.

There are so many ways to obtain insurance in Raleigh that there is no good excuse for not purchasing it.

However, drivers must practice diligence in comparing rates and coverage offered by several companies with our free search tool before making a decision.

Enter your ZIP code into the FREE comparison tool below now to find the best rates for your city!