Finding Car Insurance in Raleigh, North Carolina

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Joel Ohman
Founder, CFP®

UPDATED: Jun 27, 2017

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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

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!

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 who 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.

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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!

Free Car Insurance Comparison

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