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 AverageState AverageNational Average
$858$865$1,427


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/GenderAverage Rate
Female$861
Male$858
Single$858
Married$864
Divorced$858
Widowed$858


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
AgeAverage Rate
Teenagers$1,906
20s$875
30s$857
40s$848
50s$841
60s$857
70s$895


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 LevelAverage Auto Insurance Rate
Very Poor$1,018
Fair$990
Good$937
Very Good$866
Exceptional$833


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
Violation/IncidentAverage Rate
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


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

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

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

CapInsure Services

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

TriSure Corporation

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

INSURE

2607 Glenwood Ave Raleigh, NC 27608

Linry, 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

$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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