Cheapest Auto Insurance in Raleigh, North Carolina (2024)
With monthly rates as low as $36, Midvale Home & Auto is the cheapest car insurance company in Raleigh.
Excellent
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Written byEmily Guy Birken
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Plutus Award winner
12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated October 30, 2024
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Table of contents
Raleigh, North Carolina, is the capital and the second-largest city in the state. With its prevalence of stately oak trees, it’s also known as the City of Oaks.
Drivers in Raleigh pay an overall average rate of $83 per month for car insurance, similar to the state average monthly rate of $77 and less than the national monthly average of $158. These low car insurance rates can be partly attributed to the city’s relatively low cost of living.
The best car insurance in Raleigh will vary from driver to driver since multiple factors affect your rates. Here’s what you need to know about comparing quotes and finding the best car insurance coverage in Raleigh.
Quick Facts
Midvale Home & Auto, Erie, and Nationwide have the cheapest car insurance in Raleigh.
Liability insurance in Raleigh costs an average of $61 per month, and full coverage costs $104 per month.
North Carolina follows the pure contributory negligence rule, meaning anyone found partially at fault in an accident — even if only 1% — can’t sue another involved party.
3 of the cheapest car insurance companies in Raleigh
The right car insurance company won’t be the same for every driver in Raleigh. Your individual circumstances and insurance needs will affect which company has the best rates and options for you.
That’s partially because each insurer uses several factors to calculate premium prices, including your age, marital status, ZIP code, driving history, and even credit score.
Though each situation is different, drivers in Raleigh may want to look for affordable coverage from Travelers, Erie, and GEICO.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Travelers | 9.0 | $80 | $52 | Additional coverage |
| Erie | 9.0 | $63 | $41 | Customer satisfaction |
| GEICO | 9.0 | $72 | $47 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for additional coverage: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
4.7
Best choiceBased on 745 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (381)
Vicki
October 27, 2024
Verified Review
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy
October 23, 2024
Verified Review
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie
October 21, 2024
Verified Review
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers issued its first auto insurance policy in 1897, making it the oldest car insurance company in the United States. This insurer offers a robust list of coverage options.
Pros
Offers gap insurance, roadside assistance, and rental car coverage
Variety of discounts, such as multi-policy, multi-car, and usage-based telematics
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Rideshare insurance not available in North Carolina
Best insurer for customer satisfaction: Erie
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $66/mo |
4.1
Best choiceBased on 231 verified guest reviews and ratings
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (119)
Satina
October 28, 2024
Verified Review
Erie Insurance Unreliable
The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.
Lana
October 25, 2024
Verified Review
Expensive but Efficient Company
Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.
Shannon
October 19, 2024
Verified Review
Could be Better
I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie has an above-average rating in J.D. Power’s 2023 U.S. Auto Insurance Study, making this insurer among the very best for customer satisfaction in the Southeast region.
Pros
Rate Lock feature allows you to lock in your premium
Accident forgiveness and diminishing deductibles available
Cons
Several complaints about Erie on the Better Business Bureau (BBB) website
Usage-based insurance not available
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers a robust number of potential discounts. Each discount could save you upward of 25%, according to GEICO’s website, and drivers can use multiple discounts to save even more.
Pros
Variety of discounts, including ones for safe driving, loyalty, and driver education
Award-winning mobile app
Cons
Has few local insurance agents, meaning most clients must use the app rather than an insurance agency for all questions
Below-average J.D. Power customer satisfaction rating in the Southeast region
)
Check Out: Cheapest Car Insurance Companies with Affordable Rates
How to get the cheapest car insurance in Raleigh
Insurance companies use a number of different factors to calculate a driver’s rates, and the importance of any one factor will vary from one insurer to another.
But you can use several tried-and-true strategies to make sure you find the insurance you need at a price you can afford:
Be a defensive driver. Maintaining a clean driving record with no traffic violations, citations, or accidents is the single most effective way to keep your auto insurance costs low.
Compare quotes. Since each insurance company uses different underwriting requirements to determine your rates, shopping around to check rates from multiple companies can help you find the best price for your circumstances.
Take advantage of discounts. The majority of insurers offer discounts to customers. Some common discounts may include a loyalty program, which lowers all your rates if you bundle home insurance or renters insurance with car insurance, vehicle equipment discounts, affiliation discounts, and discounts for driver’s education.
Raise your deductible. A higher deductible will result in lower premium rates. But make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.
Find Cheap Car Insurance in Raleigh
Liability rates start at $36 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Raleigh: Midvale Home & Auto
Liability-only car insurance will pay to repair or replace the other party’s damaged vehicle and for the other party’s associated medical costs after an accident. If you have liability-only car insurance and cause an accident, you’ll have to pay out of pocket to repair or replace your car and for your own medical costs. A liability-only policy typically works better for drivers with older, less-expensive vehicles that are no longer financed.
Liability insurance costs an average of $61 per month in Raleigh.
You can save money on premiums with liability-only coverage since it’s less expensive than full-coverage insurance. The following insurers offer the cheapest liability-only car insurance in Raleigh.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Midvale Home & Auto | $36 |
| Erie | $43 |
| Nationwide | $43 |
| GEICO | $49 |
| Liberty Mutual | $53 |
| Travelers | $55 |
| Direct Auto | $56 |
| Safeco | $56 |
| Dairyland | $57 |
| Allstate | $59 |
| Progressive | $60 |
| National General | $67 |
| State Farm | $70 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Raleigh: Erie
Liability-only coverage may not be enough insurance for many drivers. Full-coverage car insurance, which usually includes collision and comprehensive coverage, costs more but can offer more security.
Raleigh drivers pay a monthly average of $104 for full-coverage insurance.
Collision coverage will pay for the damage to your car if you cause an accident, and comprehensive coverage will pay to repair or replace your car if it gets damaged by something other than an accident — such as weather, theft, vandalism, or flooding.
If you lease or finance a car, you’ll usually need to carry full-coverage car insurance because most lenders require it. New-car owners and people who park overnight on the street may also find full coverage a good idea.
Here are the cheapest full-coverage car insurance companies in Raleigh.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Erie | $66 |
| Nationwide | $66 |
| Midvale Home & Auto | $72 |
| GEICO | $76 |
| Travelers | $83 |
| Allstate | $90 |
| Progressive | $92 |
| State Farm | $108 |
| Direct Auto | $112 |
| Safeco | $120 |
| National General | $122 |
| Liberty Mutual | $192 |
| Dairyland | $269 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Raleigh, North Carolina
Recent Raleigh, North Carolina car insurance prices for Dodge, Subaru, Ford , and more.
*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Raleigh, North Carolina within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
As an at-fault state, North Carolina requires the driver who causes an accident to pay for damages. In other words, if you cause an accident, your insurance will pay for repairs or medical costs.
What makes the Tar Heel State a little unusual is its pure contributory negligence rule for at-fault accidents. Under this rule, you can’t sue another party for damages if you’re determined to share any portion of fault for an accident — even as little as 1% fault.[1]
In addition, North Carolina requires all drivers to carry uninsured/underinsured motorist coverage. This insurance kicks in if an uninsured driver causes an accident that damages your property or incurs medical costs. Since it’s required by North Carolina law, any policy you purchase in the state will include this coverage to meet the minimum state requirements.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
You may also purchase additional coverage on top of your state-mandated liability coverage. Some common coverage options include:
Collision coverage
Collision insurance will pay to repair or replace an at-fault driver’s vehicle, which is especially important in North Carolina, as it’s an at-fault state following the pure contributory negligence rule.
Comprehensive coverage
Comprehensive insurance will pay to repair or replace your vehicle if you damage it in something other than an accident.
Roadside assistance coverage
Roadside assistance coverage pays for towing expenses if your car breaks down.
Cheapest car insurance for drivers with an incident
Having an incident on your driving record — such as a speeding ticket, an at-fault accident, a DUI, or another moving violation — can increase your car insurance costs. Drivers with moving violations represent a higher level of risk to insurers, which is why they pay higher rates than drivers with a clean record.
But drivers with a spotty history can still find affordable car insurance. Many insurers offer accident forgiveness, defensive driving courses, and other ways to save on car insurance after an incident.
Shop for Car Insurance in Raleigh, NC
See personalized quotes in 5 minutes or less
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Cheapest car insurance for drivers with a speeding ticket
Getting a speeding ticket may seem like no big deal, so it can come as a surprise when one causes your car insurance premiums to increase. There’s a reason insurance companies take citations for speeding so seriously: The National Highway Traffic Safety Administration found that 32% of traffic fatalities in North Carolina were speeding-related in 2020.[3]
Liability insurance in Raleigh costs an average of $95 per month with a speeding ticket.
Drivers in Raleigh with a speeding ticket may find the cheapest car insurance from the following companies:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Erie | $43 | $60 |
| Nationwide | $43 | $59 |
| GEICO | $49 | $67 |
| Liberty Mutual | $53 | $78 |
| Travelers | $55 | $76 |
| Direct Auto | $56 | $77 |
| Safeco | $56 | $78 |
| Dairyland | $57 | $78 |
| Allstate | $59 | $81 |
| Progressive | $60 | $82 |
| National General | $67 | $92 |
| State Farm | $70 | $95 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
If you have an at-fault accident on your record, you can generally expect higher rates than accident-free drivers. Depending on your driving history and the circumstances and severity of the accident, your insurer may even drop you after an at-fault accident.
Raleigh drivers with an at-fault accident pay an average of $101 per month for liability coverage and $173 per month for full coverage.
The following companies offer the cheapest policies in Raleigh for drivers with an at-fault accident:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Erie | $43 | $64 |
| Nationwide | $43 | $63 |
| GEICO | $49 | $72 |
| Liberty Mutual | $53 | $82 |
| Travelers | $55 | $81 |
| Direct Auto | $56 | $83 |
| Safeco | $56 | $80 |
| Dairyland | $57 | $83 |
| Allstate | $59 | $86 |
| Progressive | $60 | $89 |
| National General | $67 | $98 |
| State Farm | $70 | $102 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Insurance companies take driving under the influence very seriously. You’ll see your rates increase significantly after a DUI — if your insurance company doesn’t drop you altogether.
Drivers in Raleigh with a DUI pay a monthly average of $111 for minimum coverage. That average increases to $189 per month for full coverage.
That doesn’t mean you can’t find affordable options after a DUI, though. A number of insurance companies specialize in insuring tough-to-insure drivers, and many traditional insurers work with drivers with a DUI. Just be prepared to pay more for your insurance than you did before the DUI conviction.
The following insurers offer some of the most affordable monthly rates to drivers with a DUI in Raleigh:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Erie | $43 | $75 |
| Nationwide | $43 | $75 |
| GEICO | $49 | $85 |
| Liberty Mutual | $53 | $92 |
| Travelers | $55 | $95 |
| Direct Auto | $56 | $97 |
| Safeco | $56 | $97 |
| Dairyland | $57 | $99 |
| Allstate | $59 | $102 |
| Progressive | $60 | $104 |
| National General | $67 | $116 |
| State Farm | $70 | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Learn More: How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors
Auto insurance rates tend to be the most expensive for younger drivers, with rates generally decreasing for most drivers around age 35. If you’re a safe driver, your rates will usually stay low until you hit your 70s. Around age 70, insurance rates tend to increase as senior drivers are more likely to get into accidents or get seriously injured in an accident.
Senior drivers in Raleigh pay a monthly average of $51 for liability insurance.
The following insurance companies offer the lowest monthly rates for senior drivers in Raleigh:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Erie | $32 | $50 |
| Nationwide | $32 | $49 |
| GEICO | $39 | $61 |
| Progressive | $43 | $66 |
| Travelers | $43 | $65 |
| Direct Auto | $44 | $88 |
| Liberty Mutual | $44 | $160 |
| Dairyland | $46 | $215 |
| Allstate | $47 | $72 |
| Safeco | $47 | $101 |
| National General | $52 | $94 |
| State Farm | $55 | $84 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenage drivers pay the highest premiums of any age demographic because they’re inexperienced behind the wheel. The higher risk level makes this age group the most likely to get into accidents, and insurance companies charge accordingly.
Teen drivers in Raleigh pay monthly averages of $101 for liability coverage and $173 for full coverage.
While teen drivers will eventually age out of this high-cost demographic, several strategies can help reduce insurance costs right away. These include:
Drive a safe car. Insurance companies like to see teens driving cars with practical safety features. If you need recommendations for affordable, safe cars, the Insurance Institute for Highway Safety put together a list of vehicles suitable for teen drivers.
Get good grades. Many insurance companies offer good student discounts to teen drivers who maintain a high GPA.
Learn defensive driving skills. Taking a driver education course focused on safety and defensive driving may also make a teen driver eligible for a discount.
Stay on your parent’s insurance policy. Though teen drivers may qualify for an auto insurance policy on their own, it’s typically much cheaper to stay on a parent’s insurance.
Teen drivers in Raleigh will find the lowest monthly car insurance rates from the following companies:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Erie | $71 | $108 |
| Nationwide | $73 | $111 |
| GEICO | $76 | $117 |
| Dairyland | $91 | $431 |
| Liberty Mutual | $92 | $332 |
| Travelers | $97 | $146 |
| Direct Auto | $100 | $199 |
| Allstate | $102 | $155 |
| Progressive | $104 | $160 |
| Safeco | $110 | $235 |
| State Farm | $117 | $180 |
| National General | $129 | $235 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Raleigh car insurance quotes by credit tier
Insurers in North Carolina can use your credit history when determining your car insurance premium. Drivers with fair or poor credit scores typically face higher premiums than drivers with good or excellent scores.
Here’s how much a driver’s credit tier can influence average car insurance prices in Raleigh:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Raleigh?
The cost of car insurance in Raleigh is significantly less than the national average. Raleigh drivers pay an average of $104 per month for full coverage and $61 per month for liability-only coverage, but the national average price for auto insurance is $211 monthly for full coverage and $104 monthly for liability-only coverage.
Everything from geographic location, population density, crime statistics, and demographics can all factor into the price of an insurance policy. This helps explain why Raleigh’s average monthly premium costs are lower than the national average. It also explains why prices can vary within a single city.
More cities in North Carolina
See how Raleigh’s rates compare to some other North Carolina cities in the table below.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Charlotte | $133 | $74 |
| Fayetteville | $119 | $69 |
| High Point | $100 | $62 |
| Jacksonville | $97 | $59 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Raleigh car insurance FAQs
Finding the best car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Raleigh.
How much is car insurance in Raleigh?
Car insurance in Raleigh costs $83 per month, on average. Drivers pay $104 per month for full-coverage insurance and $61 per month for liability coverage. Your specific premium will depend on your insurer, driving record, credit history, vehicle type, age, coverage level, and more.
Which company has the cheapest car insurance in Raleigh?
Midvale Home & Auto has the cheapest car insurance in Raleigh, with monthly liability rates as low as $36. Erie and Nationwide also offer affordable coverage, with respective monthly liability rates of $43 and $43.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Raleigh?
With an Insurify Quality (IQ) Score of 9.0 out of 5 and an AM Best financial strength rating of A++ (Superior), Travelers is the best car insurance company in Raleigh. Of the insurers Insurify has rate data for, other top Raleigh insurers include Erie and GEICO.
What makes car insurance in North Carolina expensive?
Flood risk is one of the major factors that make car insurance expensive in some North Carolina cities. Generally, the closer you are to the coast, the higher your car insurance premiums will be.
Do you need medical payments coverage in North Carolina?
No. North Carolina law doesn’t require drivers to carry medical payments coverage. But you can talk to your insurance agent if you’re interested in adding this coverage to your car insurance policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in North Carolina
Sources
- MATTHIESEN, WICKERT & LEHRER, S.C.. "CONTRIBUTORY NEGLIGENCE/COMPARATIVE FAULT LAWS IN ALL 5O STATES."
- North Carolina Department of Transportation. "Insurance Requirements."
- National Highway Traffic Safety Administration. "Traffic Safety Facts."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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