How Much Does Auto Insurance Cost in Raleigh?


With premiums within $7 of the state average, Raleigh has rates that are relatively similar to the state. We've analyzed how auto insurance rates in Raleigh compare to premiums nationwide.


INSURANCE PRICES: RALEIGH VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$948$941$1,569


Raleigh Car Insurance by Marital Status and Gender


Various driver characteristics, including gender and marital status, have an effect on car insurance premiums in Raleigh. However, premiums are barely more costly for women than for men. Women generally pay $4 more than men each year for insurance. While being married (as opposed to single) doesn't significantly affect your premiums, it does save you a small amount on car insurance. In contrast, divorced and widowed individuals pay the same as drivers who are single.


RALEIGH AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$951
Male$948
Single$948
Married$941
Divorced$948
Widowed$948


Raleigh Car Insurance by Credit Rating


Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) pay an average of $590 more every year on premiums than those in the top credit tier (800-850). Shifting from Very Poor (300-579) to Fair (580-669) has the biggest positive impact on premiums, as it saves drivers approximately $416 per year.


RALEIGH AUTO INSURANCE COSTS BY CREDIT TIER
Credit QualityAverage Car Insurance Rate
Very Poor$1,469
Fair$1,052
Good$948
Very Good$918
Exceptional$879


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? Drivers with a DUI in Raleigh have rates over 4x the average for the city ($948). Reckless driving will push your rates up as well, with average rates of $1,738, which are 83% higher than the city average! Many people don't think twice about speeding, but a ticket for speeding (16-20mph over the limit) increases your car insurance rates by a sizeable $475.


AVERAGE RALEIGH INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Insurance Rate
DUI$3,982
Reckless Driving$1,738
At-fault Accident (damages less than $1,000)$1,319
At-fault Accident (damages greater than $2,000)$1,570
Speeding Ticket (16-20 mph over speed limit)$1,423


Raleigh Car Insurance Costs by Driver Age

Raleigh drivers see the most significant decrease in premiums when they reach their 20s, as they save an average of 51% from moving out of the teenage age bracket. While car insurance premiums for drivers in Raleigh will continue to drop through their 50s, they should expect an increase when they turn 60. Among all age groups, drivers in their 50s have the lowest insurance rates, with rates of $877/year. People in their 60s ($887) and 70s ($895) aren’t paying significantly more. Teenage drivers have the most expensive rates out of all the age groups. They have typical car insurance payments of $2,138.


RALEIGH AUTO INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$2,138
20s$1,042
30s$944
40s$922
50s$877
60s$887
70s$895


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

Lamm Insurance Group

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

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

The Young Group

256 W Millbrook Rd Raleigh, NC 27609

Linry, LLC

5400 Glenwood Ave Ste G-11 Raleigh, NC 27612

Bagwell & Bagwell Insurance LLC

2626 Glenwood Avenue Raleigh, NC 27608

S.J. Adams, Inc.

5224 Hollyridge Dr Raleigh, NC 27612

Benny Dean Ins Agcy

12201 Leesville Rd Raleigh, NC 27613

Anders, Ireland & Marshall, Inc.

412 Saint Marys Street Raleigh, NC 27605

Wade S. Dunbar Agency, Inc.

7951 Monument Ln Ste 201 Raleigh, NC 27615

CapInsure Services

1001 Wade Ave Raleigh, NC 27605

Compare Insurance Agency, LLC

6531 Creedmoor Rd Ste 206 Raleigh, NC 27613

IGO Insurance Agency, Inc.

8117 Ebenezer Church Road Raleigh, NC 27612

INSURE

2607 Glenwood Ave Raleigh, NC 27608

Ascension Benefits & Insurance Solutions

7201 Creedmoor Rd. Suite 125 Raleigh, NC 27613

Wells Fargo Insurance Services USA

8540 Colonnade Center Dr #111 Raleigh, NC 27615

Downing & Gayle Insurance Services, Inc.

8220 Creedmoor Rd, #201 Raleigh, NC 27613

Frederick Insurance & Benefits

8317 Six Forks Rd. Ste 103 Raleigh, NC 27615

Durfey-Hoover-Bowden Insurance Agency

3741 Benson Drive Raleigh, NC 27609

TriSure Corporation

4325 Lake Boone Trl Raleigh, NC 27607

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

Revised

118

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

See How Much You Can Save in Raleigh

Just enter your zip code to get started

or
Location pin icon
Your information is secure.

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.