How Much Does Car Insurance Cost in Raleigh?
Raleigh has premiums that are fairly similar to the state average, as they are within $7 of one another. We've analyzed how auto insurance rates in Raleigh compare to premiums nationwide.
CAR INSURANCE PRICES: RALEIGH VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Raleigh Car Insurance by Marital Status and Gender
Both marital status and gender are among the numerous driver attributes that can have an effect on car insurance costs in Raleigh. While being single (as opposed to married) doesn't significantly change your premiums, it does save you a bit of money. On the other hand, widowed and divorced individuals pay the same as drivers who are single. The amount by which men's and women's car insurance premiums differ is minimal.
RALEIGH AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Raleigh Car Insurance by Age
Looking across all age groups, drivers in their 50s have the lowest car insurance premiums. Their rates normally average $841/year. However, people in their 40s and 60s aren't paying that much more, with premiums of $848 and $857, respectively. Teenage drivers have the most expensive rates out of all the age groups, with car insurance payments of $1,906 on average. Drivers in Raleigh see the greatest drop in premiums when they hit their 20s, as they pay an average of 54% less after moving out of the teenage age bracket. Rates in Raleigh continue to trend downward up until drivers turn 60.
RALEIGH CAR INSURANCE RATES BY AGE
Raleigh Car Insurance by Credit Rating
There is a difference of $185 a year between car insurance premiums for individuals with Exceptional credit (800-850) and Very Poor credit (300-579). Drivers will see the greatest reduction in premiums when they upgrade their credit from Good (670-739) to Very Good (740-799). That change can save them $71 per year.
RALEIGH AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Auto Insurance Rate|
Raleigh Car Insurance by Accident or Violation History
Maintaining a spotless driving history is crutial to keep the cost of premiums minimal. The severity of an at-fault accident affects insurance rates. For individuals in Raleigh with at-fault accidents in which damages exceeded $2,000, rates are an average of $124 more than at-fault accidents with damages less than $1,000. In Raleigh, drivers with a DUI have rates nearly double the average for the city of $858. Reckless driving will also drive your rates up, with average rates of $3,601!
AVERAGE RALEIGH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,177|
|At-fault Accident (damages greater than $2,000)||$1,301|
|Speeding Ticket (16-20 mph over speed limit)||$1,275|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
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
Day Insurance Services
2615 Glenwood Avenue Raleigh, NC 27608
Ascension Benefits & Insurance Solutions
7201 Creedmoor Rd. Suite 125 Raleigh, NC 27613
Wade S. Dunbar Agency, Inc.
7951 Monument Ln Ste 201 Raleigh, NC 27615
S.J. Adams, Inc.
5224 Hollyridge Dr Raleigh, NC 27612
Lamm Insurance Group
8801 Fast Park Dr., Ste. 301 Raleigh, NC 27617
Anders, Ireland & Marshall, Inc.
412 Saint Marys Street Raleigh, NC 27605
1001 Wade Ave Raleigh, NC 27605
Snipes Insurance Service, Inc. Raleigh
617 Oberlin Road Raleigh, NC 27605
Compare Insurance Agency, LLC
6531 Creedmoor Rd Ste 206 Raleigh, NC 27613
Benny Dean Ins Agcy
12201 Leesville Rd Raleigh, NC 27613
Frederick Insurance & Benefits
8317 Six Forks Rd. Ste 103 Raleigh, NC 27615
Bagwell & Bagwell Insurance LLC
2626 Glenwood Avenue Raleigh, NC 27608
4325 Lake Boone Trl Raleigh, NC 27607
Wells Fargo Insurance Services USA
8540 Colonnade Center Dr #111 Raleigh, NC 27615
The Sorin Insurance Group, LLC
5400 Glenwood Ave Ste G-11 Raleigh, NC 27612
The Young Group
256 W Millbrook Rd Raleigh, NC 27609
Downing & Gayle Insurance Services, Inc.
8220 Creedmoor Rd, #201 Raleigh, NC 27613
IGO Insurance Agency, Inc.
8117 Ebenezer Church Road Raleigh, NC 27612
Durfey-Hoover-Bowden Insurance Agency
3741 Benson Drive Raleigh, NC 27609
2607 Glenwood Ave Raleigh, NC 27608
5400 Glenwood Ave Ste G-11 Raleigh, NC 27612
The average Raleigh resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Raleigh
Click below to get free quotes in seconds!Start Saving Now!
Raleigh Car Insurance
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Help, My Car is a Lemon!
Sep 20, 2016
You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...
What Cars Do Olympic Athletes Drive?
Aug 12, 2016
The Olympics are in full swing now in Rio, and many famous names grace the screen, setting gold medal records...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Are Vehicle Inspections Really About Safety?
Jul 18, 2016
The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
Ridesharing’s Unexpected Danger? Aggressive Passengers
Mar 02, 2016
When ridesharing first came on the scene, potential customers wondered if they’d be safe: the idea of getting in a...
Texting and Driving and Car Insurance! Oh My!
Nov 05, 2015
That texting and driving is dangerous isn’t news to anyone—the dangers of distracted driving are well documented, and texting is...
The 10 Most Car-Friendly Colleges in the U.S.
Aug 17, 2015
As we’ve detailed before, and as any driver already knows, car ownership is expensive. The annual cost to own and...
10 Places It’s Cheap to Own a Car Right Now
Jun 08, 2015
Quoted wondered: In which of our 50 beautiful states is it the least expensive to own a car? We combined...