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.

100

Rainy Days a Year

46"

Avg. Annual Rainfall

4"

Avg. Annual Snowfall

Be Prepared For

Driving in Raleigh

Major Highways
U.S. 64 U.S. 70 I-440
Toll Roads
Triangle Expressway NC 540
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

S.J. Adams, Inc.

5224 Hollyridge Dr Raleigh, NC 27612

Linry, LLC

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

INSURE

2607 Glenwood Ave Raleigh, NC 27608

CapInsure Services

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

TriSure Corporation

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

See All

Not sure about Raleigh

Check out these other North Carolina cities...

Charlotte

Greensboro

Durham

Winston-Salem

$737

The average Raleigh resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

118

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

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Raleigh Car Insurance

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