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 Average||National Average|
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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
|Company||Average Rate (annual)|
|North Carolina Farm Bureau||$758|
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
|Age||Average Yearly Rate|
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 Status||Average Annual Rate|
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
|Incident||Average Annual Rate|
|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|
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 Tier||Average Rate (annual)|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Raleigh
Major HighwaysU.S. 64 U.S. 70 I-440
Toll RoadsTriangle Expressway NC 540
Find Local Raleigh Agents
Durfey-Hoover-Bowden Insurance Agency
3741 Benson Drive, Raleigh, NC 27609
The Young Group
256 W Millbrook Rd, Raleigh, NC 27609
Frederick Insurance & Benefits
8317 Six Forks Rd. Ste 103, Raleigh, NC 27615
IGO Insurance Agency, Inc.
8117 Ebenezer Church Road, Raleigh, NC 27612
1001 Wade Ave Suite 15, Raleigh, NC 27605
Wade S. Dunbar Agency, Inc.
7951 Monument Ln Ste 201, Raleigh, NC 27615
Lamm Insurance Group
8801 Fast Park Dr., Ste. 301, Raleigh, NC 27617
2607 Glenwood Ave, Raleigh, NC 27608
Anders, Ireland & Marshall, Inc.
412 Saint Marys Street, Raleigh, NC 27605
Downing & Gayle Insurance Services, Inc.
8220 Creedmoor Rd, #201, Raleigh, NC 27613
Day Insurance Services
2615 Glenwood Avenue, Raleigh, NC 27608
Snipes Insurance Service, Inc. Raleigh
617 Oberlin Road, Raleigh, NC 27605
The Sorin Insurance Group, LLC
5400 Glenwood Ave Ste G-11, Raleigh, NC 27612
4325 Lake Boone Trl Suite 200, Raleigh, NC 27607
Wells Fargo Insurance Services USA
8540 Colonnade Center Dr #111, Raleigh, NC 27615
5400 Glenwood Ave Ste G-11, Raleigh, NC 27612
Ascension Benefits & Insurance Solutions
7201 Creedmoor Rd. Suite 125, Raleigh, NC 27613
Compare Insurance Agency, LLC
6531 Creedmoor Rd Ste 206, Raleigh, NC 27613
Bagwell & Bagwell Insurance LLC
2626 Glenwood Avenue Suite 300, Raleigh, NC 27608
S.J. Adams, Inc.
5224 Hollyridge Dr, Raleigh, NC 27612
Benny Dean Ins Agcy
12201 Leesville Rd, Raleigh, NC 27613
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