How Much Does Auto Insurance Cost in Raleigh?


Premiums in North Carolina, which fall below the national average by $562, are recognized for being economical. While premiums in the city are relatively low as well, understanding premium costs while insuring a vehicle in Raleigh is still crucial. Let's take a look at how car insurance costs in Raleigh contrast with rates nationwide.


AUTO INSURANCE PRICES: RALEIGH VS. US/STATE AVERAGES
City AverageState AverageNational Average
$858$865$1,427


Raleigh Auto Insurance Rates by Driver Age

The greatest decrease in premiums for Raleigh drivers happens when they reach their 20s. Once out of the teenage age range, individuals save an average of $1,030 each year. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time. Teenage drivers have the largest premiums out of all the age groups, with typical car insurance payments of $1,906. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest insurance payments among any age group, with rates of $841 per year. However, people in their 40s and 60s also have relatively low premiums, with premiums of $848 and $857, respectively.


RALEIGH CAR INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$1,906
20s$875
30s$857
40s$848
50s$841
60s$857
70s$895


Raleigh Car Insurance by Violation or Accident History


Do you realize by how much an at-fault accident or violation can raise your car insurance rates? Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Raleigh have rates nearly double the average for the city of $858. Reckless driving will also bump your premiums up, with typical rates of $3,601. That is 320% higher than the city average! The value of the damage caused by an accident plays a role in the extent to which insurance rates will climb. When comparing rates for drivers with at-fault accidents in Raleigh, those with damages exceeding $2,000 pay $124 more than those with damages less than $1,000.


AVERAGE RALEIGH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI$1,654
Reckless Driving$3,601
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


Raleigh Car Insurance by Gender and Marital Status


Car insurance premiums in Raleigh are affected by marital status and gender. However, premiums are barely cheaper for men than for women. Men usually pay $3 less than women every year for insurance. While being single (as opposed to married) doesn't significantly alter your premiums, it does save you a small amount on car insurance. On the other hand, widowed and divorced individuals pay the same as drivers who are single.


RALEIGH CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$861
Male$858
Single$858
Married$864
Divorced$858
Widowed$858


Raleigh Auto Insurance by Credit Rating


There is a disparity of $185/year between car insurance premiums for those with Exceptional credit (800-850) and Very Poor credit (300-579). Shifting from Good (670-739) to Very Good (740-799) has the greatest favorable effect on premiums, as it saves drivers nearly $71 per year.


RALEIGH CAR INSURANCE COSTS BY CREDIT TIER
CreditAverage Auto Insurance Rate
Very Poor$1,018
Fair$990
Good$937
Very Good$866
Exceptional$833


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.

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

Find Local Raleigh Agents

Snipes Insurance Service, Inc. Raleigh

617 Oberlin Road Raleigh, NC 27605

The Young Group

256 W Millbrook Rd Raleigh, NC 27609

Bagwell & Bagwell Insurance LLC

2626 Glenwood Avenue Raleigh, NC 27608

CapInsure Services

1001 Wade Ave Raleigh, NC 27605

S.J. Adams, Inc.

5224 Hollyridge Dr Raleigh, NC 27612

Linry, LLC

5400 Glenwood Ave Ste G-11 Raleigh, NC 27612

Frederick Insurance & Benefits

8317 Six Forks Rd. Ste 103 Raleigh, NC 27615

Day Insurance Services

2615 Glenwood Avenue Raleigh, NC 27608

Benny Dean Ins Agcy

12201 Leesville Rd Raleigh, NC 27613

IGO Insurance Agency, Inc.

8117 Ebenezer Church Road Raleigh, NC 27612

Compare Insurance Agency, LLC

6531 Creedmoor Rd Ste 206 Raleigh, NC 27613

TriSure Corporation

4325 Lake Boone Trl Raleigh, NC 27607

Anders, Ireland & Marshall, Inc.

412 Saint Marys Street Raleigh, NC 27605

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

INSURE

2607 Glenwood Ave Raleigh, NC 27608

Downing & Gayle Insurance Services, Inc.

8220 Creedmoor Rd, #201 Raleigh, NC 27613

Lamm Insurance Group

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

Wells Fargo Insurance Services USA

8540 Colonnade Center Dr #111 Raleigh, NC 27615

Durfey-Hoover-Bowden Insurance Agency

3741 Benson Drive Raleigh, NC 27609

The Sorin Insurance Group, LLC

5400 Glenwood Ave Ste G-11 Raleigh, NC 27612

See All

Not sure about Raleigh

Check out these other North Carolina cities...

Charlotte

Greensboro

Durham

Winston-Salem

2

$737

The average Raleigh resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

118

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

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Raleigh Car Insurance

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