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 Average||State Average||National Average|
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/Gender||Average Rate|
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 Quality||Average Car Insurance Rate|
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/Incident||Average Insurance Rate|
|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
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
S.J. Adams, Inc.
5224 Hollyridge Dr Raleigh, NC 27612
1001 Wade Ave Raleigh, NC 27605
Benny Dean Ins Agcy
12201 Leesville Rd Raleigh, NC 27613
Wells Fargo Insurance Services USA
8540 Colonnade Center Dr #111 Raleigh, NC 27615
Day Insurance Services
2615 Glenwood Avenue Raleigh, NC 27608
IGO Insurance Agency, Inc.
8117 Ebenezer Church Road Raleigh, NC 27612
Compare Insurance Agency, LLC
6531 Creedmoor Rd Ste 206 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
Wade S. Dunbar Agency, Inc.
7951 Monument Ln Ste 201 Raleigh, NC 27615
4325 Lake Boone Trl Raleigh, NC 27607
Anders, Ireland & Marshall, Inc.
412 Saint Marys Street 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
Snipes Insurance Service, Inc. Raleigh
617 Oberlin Road Raleigh, NC 27605
2607 Glenwood Ave Raleigh, NC 27608
Downing & Gayle Insurance Services, Inc.
8220 Creedmoor Rd, #201 Raleigh, NC 27613
Ascension Benefits & Insurance Solutions
7201 Creedmoor Rd. Suite 125 Raleigh, NC 27613
5400 Glenwood Ave Ste G-11 Raleigh, NC 27612
Bagwell & Bagwell Insurance LLC
2626 Glenwood Avenue Raleigh, NC 27608
Lamm Insurance Group
8801 Fast Park Dr., Ste. 301 Raleigh, NC 27617
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