Average car insurance cost in Raleigh
The average cost of full coverage car insurance in Raleigh is $2,455 per year, or about $205 per month. This rate is based on 100/300/100 liability limits and $500 deductibles. State minimum insurance averages $703 annually but offers substantially less coverage.
The required state minimum liability limits are 50/100/50. A minimum-coverage policy pays for injuries or property damage you cause to others, up to the policy limits. It does not include comprehensive or collision insurance for damage to your own car.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,228 |
| Average annual premium | $2,455 |
| State minimum premium | $703 |
Cheapest car insurance companies in Raleigh
Erie Insurance offers the cheapest full coverage car insurance in Raleigh at $1,156 per year. Progressive has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Raleigh.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Erie Insurance | $578 | $1,156 |
| Progressive | $707 | $1,415 |
| State Farm | $779 | $1,559 |
| Farmers | $1,167 | $2,334 |
| Nationwide | $1,209 | $2,418 |
| Penn National Insurance | $1,325 | $2,649 |
| North Carolina Farm Bureau | $1,383 | $2,766 |
| GEICO | $1,449 | $2,898 |
| Utica National Insurance Group | $1,628 | $3,255 |
| Allstate | $2,240 | $4,481 |
Cheapest car insurance cost in Raleigh by age group
Car insurance prices in Raleigh differ by age because insurers consider how driving experience impacts expected accident risk. Erie Insurance is the cheapest company for teens, Erie Insurance for young adults, Erie Insurance for adults, and Erie Insurance for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in Raleigh by age below:.
- Cheapest for teens: Erie Insurance
- Cheapest for young adults: Erie Insurance
- Cheapest for adults: Erie Insurance
- Cheapest for seniors: Erie Insurance
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Erie Insurance offers the cheapest car insurance for teens at $2,473 per year.
For young adults, Erie Insurance offers the lowest average rate at $1,336 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
Erie Insurance is the least expensive insurer for adult drivers in Raleigh, with an average annual premium of $1,122. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from Erie Insurance at $1,244 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Erie Insurance | $2,473 | $1,336 | $1,122 | $1,244 |
| Progressive | $2,892 | $1,415 | $1,416 | $1,415 |
| State Farm | $3,725 | $2,436 | $1,631 | $1,666 |
| Farmers | $4,644 | $2,334 | $2,334 | $2,334 |
| Nationwide | $5,816 | $3,551 | $2,408 | $2,270 |
| North Carolina Farm Bureau | $6,631 | $3,208 | $2,601 | $2,735 |
| Penn National Insurance | $5,338 | $2,649 | $2,649 | $2,649 |
| GEICO | $7,677 | $2,663 | $2,812 | $3,494 |
| Utica National Insurance Group | $9,590 | $3,830 | $3,400 | $3,708 |
| Allstate | $10,823 | $5,948 | $4,227 | $3,908 |
Cheapest car insurance companies in Raleigh by driver profile
The cheapest car insurance provider in Raleigh varies based on driving history and credit-based insurance information. Erie Insurance has the lowest rate after an at-fault accident, Erie Insurance after a DUI, and Erie Insurance after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Raleigh by driver profile.
- Cheapest for poor credit: Erie Insurance
- Cheapest for an at-fault accident: Erie Insurance
- Cheapest for a DUI: Erie Insurance
- Cheapest for a driver with a speeding ticket: Erie Insurance
Cheapest for a driver with poor credit: Erie Insurance
Drivers with poor credit in Raleigh can find the lowest average car insurance rate from Erie Insurance at $1,691 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Raleigh.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Erie Insurance | $846 | $1,691 |
| Nationwide | $1,540 | $3,080 |
| North Carolina Farm Bureau | $1,873 | $3,746 |
| GEICO | $2,059 | $4,118 |
| State Farm | $3,828 | $7,655 |
| Allstate | $3,983 | $7,967 |
Cheapest auto insurance after an at-fault accident: Erie Insurance
In Raleigh, Erie Insurance offers the cheapest car insurance for drivers with an at-fault accident at $1,851 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Raleigh.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Erie Insurance | $926 | $1,851 |
| Progressive | $1,017 | $2,034 |
| State Farm | $1,116 | $2,231 |
| Farmers | $1,689 | $3,379 |
| North Carolina Farm Bureau | $2,023 | $4,046 |
| Nationwide | $2,318 | $4,636 |
| GEICO | $3,176 | $6,352 |
| Allstate | $4,343 | $8,687 |
Cheapest auto insurance after a DUI: Erie Insurance
Erie Insurance offers the cheapest average car insurance after a first-offense DUI/DWI in Raleigh, with a rate of $4,838 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Raleigh.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Erie Insurance | $2,419 | $4,838 |
| Progressive | $2,622 | $5,244 |
| State Farm | $2,874 | $5,748 |
| Farmers | $4,396 | $8,793 |
| Nationwide | $4,496 | $8,993 |
| GEICO | $6,386 | $12,771 |
| North Carolina Farm Bureau | $8,242 | $16,483 |
| Allstate | $9,262 | $18,524 |
Cheapest for drivers with a speeding ticket: Erie Insurance
Erie Insurance offers the cheapest car insurance at $1,799 in Raleigh for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Erie Insurance | $899 | $1,799 |
| Progressive | $989 | $1,978 |
| State Farm | $1,083 | $2,167 |
| Farmers | $1,642 | $3,284 |
| Nationwide | $1,688 | $3,376 |
| North Carolina Farm Bureau | $1,965 | $3,930 |
| GEICO | $2,252 | $4,505 |
| Allstate | $3,410 | $6,820 |
Car insurance discounts for Raleigh drivers
The biggest car insurance discount available in Raleigh is for the Years Insured category at 31%, offered by Allstate.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Raleigh drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | Erie Insurance | $1,168 | $1,159 | 1% | $9 |
| Air Bags | Nationwide | $2,452 | $2,438 | 1% | $14 |
| Air Bags | GEICO | $3,233 | $3,193 | 1% | $40 |
| Anti-Theft Device | Erie Insurance | $1,168 | $1,157 | 1% | $11 |
| Comp and Coll Deductibles | State Farm | $1,714 | $1,698 | 1% | $16 |
| Comp and Coll Deductibles | North Carolina Farm Bureau | $2,795 | $2,762 | 1% | $33 |
| Comp and Coll Deductibles | Penn National Insurance | $2,797 | $2,765 | 1% | $32 |
| Comp and Coll Deductibles | Allstate | $4,643 | $4,584 | 1% | $59 |
| Daily Commute | Erie Insurance | $1,168 | $1,145 | 2% | $22 |
| Days Advanced Purchase | Erie Insurance | $1,168 | $1,056 | 10% | $112 |
| Days Advanced Purchase | Nationwide | $2,452 | $2,340 | 5% | $112 |
| Days Advanced Purchase | Penn National Insurance | $2,797 | $2,666 | 5% | $132 |
| Education | GEICO | $3,233 | $2,679 | 17% | $554 |
| Electronic Funds Transfer | Nationwide | $2,452 | $2,357 | 4% | $96 |
| Electronic Funds Transfer | Allstate | $4,643 | $4,338 | 7% | $305 |
| Homeowner | Allstate | $4,643 | $4,453 | 4% | $190 |
| Loyalty - Years Renewal With Company | State Farm | $1,714 | $1,388 | 19% | $326 |
| Loyalty - Years Renewal With Company | Penn National Insurance | $2,797 | $2,781 | 1% | $16 |
| Loyalty - Years Renewal With Company | Allstate | $4,643 | $4,200 | 10% | $442 |
| Marital Status | Erie Insurance | $1,168 | $1,157 | 1% | $10 |
| Marital Status | Nationwide | $2,452 | $2,213 | 10% | $239 |
| Multi Policy | Erie Insurance | $1,168 | $1,108 | 5% | $59 |
| Multi Policy | State Farm | $1,714 | $1,551 | 9% | $162 |
| Multi Policy | North Carolina Farm Bureau | $2,795 | $2,146 | 23% | $649 |
| Multi Policy | Nationwide | $2,452 | $2,331 | 5% | $122 |
| Multi Policy | Penn National Insurance | $2,797 | $2,666 | 5% | $132 |
| Multi Policy | GEICO | $3,233 | $3,083 | 5% | $150 |
| Multi Policy | Allstate | $4,643 | $4,037 | 13% | $606 |
| Paperless/Electornic Documents | Nationwide | $2,452 | $2,357 | 4% | $96 |
| Payment Type | Erie Insurance | $1,168 | $1,089 | 7% | $78 |
| Payment Type | Nationwide | $2,452 | $2,261 | 8% | $192 |
| Payment Type | North Carolina Farm Bureau | $2,795 | $2,637 | 6% | $158 |
| Payment Type | Penn National Insurance | $2,797 | $2,666 | 5% | $132 |
| Payment Type | Allstate | $4,643 | $4,200 | 10% | $442 |
| Primary Use | Erie Insurance | $1,168 | $938 | 20% | $229 |
| Primary Use | Progressive | $1,480 | $1,177 | 20% | $303 |
| Primary Use | State Farm | $1,714 | $1,437 | 16% | $276 |
| Primary Use | North Carolina Farm Bureau | $2,795 | $2,196 | 21% | $598 |
| Primary Use | Penn National Insurance | $2,797 | $2,212 | 21% | $585 |
| Primary Use | Nationwide | $2,452 | $2,316 | 6% | $137 |
| Primary Use | GEICO | $3,233 | $2,543 | 21% | $689 |
| Primary Use | Allstate | $4,643 | $3,639 | 22% | $1,003 |
| Profession | GEICO | $3,233 | $2,895 | 10% | $338 |
| Safety Devices | Erie Insurance | $1,168 | $1,156 | 1% | $12 |
| Safety Devices | Allstate | $4,643 | $4,619 | 1% | $24 |
| Telematics | State Farm | $1,714 | $1,574 | 8% | $140 |
| Telematics | Nationwide | $2,452 | $2,261 | 8% | $192 |
| Telematics | Allstate | $4,643 | $4,200 | 10% | $442 |
| Years Insured | Progressive | $1,480 | $1,443 | 2% | $37 |
| Years Insured | Nationwide | $2,452 | $2,295 | 6% | $157 |
| Years Insured | Allstate | $4,643 | $3,225 | 31% | $1,418 |
How to get cheap car insurance in Raleigh in 2026
To find cheap car insurance in Raleigh in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Raleigh by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Raleigh.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Raleigh
How much does car insurance cost in Raleigh?
Car insurance costs an average of $2,455 per year or about $205 per month for full coverage in Raleigh. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in NC?
No, you don't legally need full coverage in NC, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Raleigh?
You can reduce your car insurance costs in Raleigh by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
Compare auto insurance rates by city in North Carolina
