What drives up car insurance rates in Raleigh?
Car Insurance in Raleigh
It is common knowledge that North Carolina has economical premiums, as its mean rate is $562 lower than the national average. While premiums in the city are also relatively low, if you are insuring a vehicle in Raleigh, being knowledgeable about premiums is still imperative. Who doesn't like to save money? Check out some tips below about how to save on car insurance in Raleigh.
- City Average: $858
- State Average: $865
- National Average: $1,427
Raleigh Car Insurance by Gender and Marital Status
There are many factors, including marital status and gender, that have an effect on car insurance premiums in Raleigh. Rates for those who are divorced or widowed are the same as rates for single individuals. In contrast, being married (as opposed to single) doesn't drastically alter your premiums, it does cost you a small amount more per year. The amount by which men's and women's car insurance premiums vary is minimal.
- Female: $861
- Male: $858
- Single: $858
- Married: $864
- Divorced: $858
- Widowed: $858
Raleigh Car Insurance by Credit Rating
The disparity between average car insurance premiums in Raleigh for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $185 a year. Drivers can save nearly 8% per year when they improve their credit tier from Good (670-739) to Very Good (740-799).
- Very Poor: $1,018
- Fair: $990
- Good: $937
- Very Good: $866
- Exceptional: $833
Raleigh Car Insurance by Age
Among all age groups, drivers in their 50s have the smallest rates, with rates of $841. People in their 40s ($848) and 60s ($857) have premiums that aren't much higher. With average car insurance payments of $1,906, teenage drivers have the highest rates of any age group. The most significant dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Raleigh start seeing a reduction in premiums of 54%. While rates for drivers will continue to drop through their 50s, they should anticipate to pay more when they hit 60.
- Teenagers: $1,906
- 20s: $875
- 30s: $857
- 40s: $848
- 50s: $841
- 60s: $857
- 70s: $895
Raleigh Car Insurance by Accident or Violation History
By knowing which driving mishaps can make the price of premiums spike, you can make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. $796 is the extra cost per year for drivers with a DUI in Raleigh, compared to the city average of $858. Reckless driving will also drive your rates up, with typical rates of $3,601, which are 320% higher than the city average! For those in Raleigh with at-fault accidents in which damages exceeded $2,000, rates are an average of 11% more than at-fault accidents with damages less than $1,000.
- DUI: $1,654
- Reckless Driving: $3,601
- At-fault Accident (damages less than $1000): $1,177
- At-fault Accident (damages greater than $2000): $1,301
- Speeding Ticket (16-20 mph over speed limit): $1,275
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
Snipes Insurance Service, Inc. Raleigh
617 Oberlin Road Raleigh, NC 27605
S.J. Adams, Inc.
5224 Hollyridge Dr Raleigh, NC 27612
5400 Glenwood Ave Ste G-11 Raleigh, NC 27612
Day Insurance Services
2615 Glenwood Avenue Raleigh, NC 27608
Bagwell & Bagwell Insurance LLC
2626 Glenwood Avenue Raleigh, NC 27608
Ascension Benefits & Insurance Solutions
7201 Creedmoor Rd. Suite 125 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
2607 Glenwood Ave Raleigh, NC 27608
1001 Wade Ave Raleigh, NC 27605
Frederick Insurance & Benefits
8317 Six Forks Rd. Ste 103 Raleigh, NC 27615
Downing & Gayle Insurance Services, Inc.
8220 Creedmoor Rd, #201 Raleigh, NC 27613
Benny Dean Ins Agcy
12201 Leesville Rd Raleigh, NC 27613
4325 Lake Boone Trl Raleigh, NC 27607
Compare Insurance Agency, LLC
6531 Creedmoor Rd Ste 206 Raleigh, NC 27613
Lamm Insurance Group
8801 Fast Park Dr., Ste. 301 Raleigh, NC 27617
The Sorin Insurance Group, LLC
5400 Glenwood Ave Ste G-11 Raleigh, NC 27612
Wells Fargo Insurance Services USA
8540 Colonnade Center Dr #111 Raleigh, NC 27615
The Young Group
256 W Millbrook Rd Raleigh, NC 27609
Durfey-Hoover-Bowden Insurance Agency
3741 Benson Drive Raleigh, NC 27609
IGO Insurance Agency, Inc.
8117 Ebenezer Church Road Raleigh, NC 27612
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Raleigh Car Insurance
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