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 Average||State Average||National Average|
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
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 Violation||Average Annual Premium|
|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/Gender||Average Rate|
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
|Credit||Average Auto Insurance Rate|
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.
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
The Young Group
256 W Millbrook Rd Raleigh, NC 27609
Bagwell & Bagwell Insurance LLC
2626 Glenwood Avenue Raleigh, NC 27608
1001 Wade Ave Raleigh, NC 27605
S.J. Adams, Inc.
5224 Hollyridge Dr Raleigh, NC 27612
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
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
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
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