How much does auto insurance cost in Raleigh?


The average car insurance rate in Raleigh, North Carolina, is $952 per year. That's cheaper than the average in North Carolina ($955) and less expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Raleigh.


CAR INSURANCE: RALEIGH RATES VS. STATE + NATIONAL AVERAGES
Raleigh Average (yearly)North Carolina AverageNational Average
$952$955$1,548

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Raleigh car insurance rates by provider


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Raleigh's most affordable premiums. See below the best options for affordable auto insurance in Raleigh. Don't forget to get car insurance quotes based on your driving profile.


RALEIGH CAR INSURANCE PREMIUMS BY COMPANY
CompanyAverage Rate (annual)
GEICO$523
North Carolina Farm Bureau$758
Erie$814
State Farm$846
Nationwide$997

Consult our expert guide to finding the best cheap car insurance.



Raleigh car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Raleigh are drivers in their 60s, who pay an average of $889per year. Those in their 50s don't pay significantly more ($889).

The Raleigh drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Raleigh is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Raleigh is $1,110, the largest such difference between any two age groups.


RALEIGH AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$2,148
20s$1,039
30s$945
40s$927
50s$889
60s$889
70s$947

Learn more about how age influences auto insurance rates.



Raleigh auto insurance costs by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance rates. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Raleigh pay $6 more than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Raleigh, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Raleigh, males pay $0 more each year for car insurance than do female drivers.


INSURANCE RATES IN RALEIGH BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$952
Male$952
Single$958
Married$958
Divorced$952
Widowed$952

Learn more about how gender and marital status have on car insurance rates.



Raleigh auto insurance costs by driving history


If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Raleigh drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $826 per year versus the city average. A ticket for speeding results in a $491 rate hike while a DWI or DUI violation costs $3,398per year in extra insurance expenditures.


RALEIGH CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage Annual Rate
DUI/DWI$4,350
Reckless Driving$1,778
At-fault Accident (damages less than $1,000)$1,277
At-fault Accident (damages greater than $2,000)$1,569
Speeding Ticket (16-20 mph over speed limit)$1,443

Learn more about citations' impact on your auto insurance rates.



Raleigh auto insurance rates by credit tier


It's no secret credit score is closely correlated with auto insurance rates. In Raleigh, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 42% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Raleigh, improving your credit to "Fair" corresponds with a $403 decrease in annual car insurance rates.


RALEIGH CAR INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Rate (annual)
Very Poor$1,521
Fair$1,118
Good$952
Very Good$922
Exceptional$881

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Raleigh?

Where you live in Raleigh affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Raleigh is no exception to the rule. From ZIP code 27529 to 27609, premiums rise by 1 percent—that’s $7.

Expensive Raleigh ZIP codes: 27695, 27616, 27615, 27612, 27609

Cheap Raleigh ZIP codes: 27529, 27601, 27634, 27635, 27640

Raleigh Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Raleigh, you can expect 100 rainy days with an annual rainfall of 46 inches. Raleigh is also known to experience thunderstorms and occasional hurricanes.

100

Rainy Days a Year

46"

Avg. Annual Rainfall

4"

Avg. Annual Snowfall

Be Prepared For

Driving in Raleigh

2
Major Highways
U.S. 64 U.S. 70 I-440
2
Public Transit

GoRaleigh Bus

R-LINE

Commuter Bus

2
Toll Roads
Triangle Expressway NC 540
2
Popular Day Trips
North Topsail Beach Hanging Rock State Park Merchant's Millpond
2
Parking

City of Raleigh Parking

Find Local Raleigh Agents

Wade S. Dunbar Agency, Inc.

7951 Monument Ln Ste 201, Raleigh, NC 27615

IGO Insurance Agency, Inc.

8117 Ebenezer Church Road, Raleigh, NC 27612

Benny Dean Ins Agcy

12201 Leesville Rd, Raleigh, NC 27613

Linry, LLC

5400 Glenwood Ave Ste G-11, Raleigh, NC 27612

INSURE

2607 Glenwood Ave, Raleigh, NC 27608

Ascension Benefits & Insurance Solutions

7201 Creedmoor Rd. Suite 125, Raleigh, NC 27613

Frederick Insurance & Benefits

8317 Six Forks Rd. Ste 103, Raleigh, NC 27615

Snipes Insurance Service, Inc. Raleigh

617 Oberlin Road, Raleigh, NC 27605

Downing & Gayle Insurance Services, Inc.

8220 Creedmoor Rd, #201, Raleigh, NC 27613

S.J. Adams, Inc.

5224 Hollyridge Dr, Raleigh, NC 27612

Anders, Ireland & Marshall, Inc.

412 Saint Marys Street, Raleigh, NC 27605

Lamm Insurance Group

8801 Fast Park Dr., Ste. 301, Raleigh, NC 27617

Durfey-Hoover-Bowden Insurance Agency

3741 Benson Drive, Raleigh, NC 27609

CapInsure Services

1001 Wade Ave Suite 15, Raleigh, NC 27605

Wells Fargo Insurance Services USA

8540 Colonnade Center Dr #111, Raleigh, NC 27615

The Young Group

256 W Millbrook Rd, Raleigh, NC 27609

Bagwell & Bagwell Insurance LLC

2626 Glenwood Avenue Suite 300, Raleigh, NC 27608

The Sorin Insurance Group, LLC

5400 Glenwood Ave Ste G-11, Raleigh, NC 27612

TriSure Corporation

4325 Lake Boone Trl Suite 200, Raleigh, NC 27607

Day Insurance Services

2615 Glenwood Avenue, Raleigh, NC 27608

Compare Insurance Agency, LLC

6531 Creedmoor Rd Ste 206, Raleigh, NC 27613

Not sure about Raleigh

Check out these other North Carolina cities:

Charlotte

Winston-Salem

Durham

Greensboro

2

$737

The average Raleigh resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

118

That's equal to 118 cups of coffee or $295 in savings

See How Much You Can Save in Raleigh

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Recent Questions:

Raleigh Car Insurance

Do I get a discount for foreign driving experience?

There are not companies that will offer a discount based on foreign driving experience. There are several companies that will not rate your daughter higher for only having a license for three years.

Can an insurance company refuse to remove a child from my policy?

All members of your household, that are of driving age, need to be listed on your policy. You can either list them as a driver or you can exclude them.

If I insure a vehicle owned by my parents, could they be sued if I were involved in an accident?

While it's quite possible that the liability portion of your policy would provide sufficient coverage for damage you may cause in an accident, your parents may be subject to "vicarious liability" since they technically own the vehicle. This means that it is possible for them to be sued if you hurt someone else in a crash.

If I claim my injuries after an accident, will that make my rates higher?

Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.