Finding Car Insurance in Raleigh, North Carolina

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!

Raleigh, NC Car Insurance Requirements

Below you will find detailed information about car insurance rates and requirements in Raleigh, NC.

Monthly Raleigh, NC Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Raleigh, NC auto insurance rates by ZIP Code below:

Raleigh, NC Car Insurance Rates by Company vs. City Average

The cheapest Raleigh, NC car insurance providers can be found below. You also might be wondering, “How do those Raleigh, NC rates compare against the average North Carolina car insurance company rates?” We uncover that too.

The Cheapest Raleigh, NC Car Insurance Rates by Credit Score

Your credit score will play a major role in your car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina.

Raleigh, NC Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Raleigh, NC against other top US metro areas’ auto insurance costs.

The Cheapest Raleigh, NC Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Raleigh, NC car insurance costs. Find the cheapest Raleigh, North Carolina car insurance costs by coverage level below:

Average Monthly Car Insurance Rates by Age & Gender in Raleigh, NC

Age is a significant factor for Raleigh, North Carolina car insurance rates. Young drivers are often considered high-risk. This Raleigh, North Carolina does not use gender as a car insurance factor, so check out the average monthly auto insurance rates by age in Raleigh, NC.

Raleigh, NC Car Insurance Rates by Company and Age

Raleigh, North Carolina car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

The Cheapest Raleigh, NC Car Insurance Rates by Driving Record

Your driving record will affect your Raleigh, NC car insurance costs. For example, a Raleigh, North Carolina DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Raleigh, North Carolina car insurance costs by driving record.

Factors Affecting Car Insurance Rates in Raleigh, NC

Controlling these risk factors will ensure you have the cheapest Raleigh, North Carolina car insurance. Factors affecting car insurance rates in Raleigh, NC may include your commute, coverage level, tickets, DUIs, and credit.

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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.

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.

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.

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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!