Best Cheap Auto Insurance in Raleigh, NC (2021)

The average Raleigh, NC auto insurance rates are $281 per month. The minimum auto insurance in Raleigh is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Raleigh, North Carolina, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The minimum auto insurance required in Raleigh, North Carolina is 30/60/25
  • The most expensive auto insurance company in Raleigh for teen drivers is Allstate
  • The cheapest auto insurance company in Raleigh is Liberty Mutual

Raleigh, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Raleigh can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Raleigh, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Raleigh to other North Carolina cities, including Charlotte auto insurance rates, Durham auto insurance rates, and Cary auto insurance rates to see how Raleigh, North Carolina auto insurance rates stack up.

Before you buy Raleigh, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Raleigh, North Carolina auto insurance quotes.

Minimum Auto Insurance in Raleigh, North Carolina

Raleigh, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Raleigh, North Carolina.

Minimum Required Auto Insurance Coverage in Raleigh, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Raleigh, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Raleigh, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Raleigh, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,641 $5,641 $4,621 $4,621 $13,723 $13,723 $5,752 $5,752
GEICO $2,450 $2,405 $2,418 $2,375 $4,497 $4,458 $2,153 $2,141
Liberty Mutual $1,801 $1,801 $1,864 $1,864 $3,220 $3,220 $1,801 $1,801
Nationwide $2,321 $2,321 $2,321 $2,321 $3,983 $3,983 $2,321 $2,321
Progressive $1,730 $1,730 $1,592 $1,592 $4,104 $4,104 $1,927 $1,927
State Farm $2,589 $2,589 $2,239 $2,239 $3,825 $3,825 $3,200 $3,200
Travelers $2,617 $2,617 $2,596 $2,596 $4,499 $4,499 $2,686 $2,686

Cheap Raleigh, North Carolina Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Raleigh, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Raleigh, North Carolina.

Annual Auto Insurance Rates for Teen Drivers in Raleigh, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,723 $13,723
GEICO $4,497 $4,458
Liberty Mutual $3,220 $3,220
Nationwide $3,983 $3,983
Progressive $4,104 $4,104
State Farm $3,825 $3,825
Travelers $4,499 $4,499

Cheap Raleigh, North Carolina Auto Insurance for Seniors

What are senior auto insurance rates in Raleigh, North Carolina? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Raleigh, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,621 $4,621
GEICO $2,418 $2,375
Liberty Mutual $1,864 $1,864
Nationwide $2,321 $2,321
Progressive $1,592 $1,592
State Farm $2,239 $2,239
Travelers $2,596 $2,596

Cheap Raleigh, North Carolina Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Raleigh, North Carolina compared to the annual auto insurance rates with a clean record in Raleigh, North Carolina.

Annual Raleigh, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,037 $7,104 $13,150 $5,447
GEICO $1,523 $2,275 $5,539 $2,113
Liberty Mutual $1,298 $1,663 $4,062 $1,663
Nationwide $1,616 $2,085 $5,159 $2,085
Progressive $1,121 $1,627 $5,030 $1,574
State Farm $1,570 $2,283 $5,718 $2,283
Travelers $1,844 $2,423 $5,749 $2,382

Cheap Raleigh, North Carolina Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Raleigh, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Raleigh, North Carolina to find the best deal.

Annual Auto Insurance Rates After a DUI in Raleigh, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $13,150
GEICO $5,539
Liberty Mutual $4,062
Nationwide $5,159
Progressive $5,030
State Farm $5,718
Travelers $5,749

Cheap Raleigh, North Carolina Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Raleigh, North Carolina annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Raleigh, North Carolina

Insurance Company Poor Fair Good
Allstate $10,016 $6,545 $5,742
GEICO $3,093 $2,849 $2,645
Liberty Mutual $2,172 $2,172 $2,172
Nationwide $2,737 $2,737 $2,737
Progressive $2,615 $2,286 $2,113
State Farm $4,162 $2,661 $2,067
Travelers $3,310 $3,013 $2,976

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Raleigh, North Carolina Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Raleigh, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Raleigh, North Carolina to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Raleigh, North Carolina

ZIP Code Average Annual Rates
27601 $3,527
27603 $3,215
27604 $3,529
27605 $2,840
27606 $2,865
27607 $2,776
27608 $2,846
27609 $3,494
27610 $3,449
27612 $2,928
27613 $2,906
27614 $2,971
27615 $2,945
27616 $3,453
27617 $2,911
27695 $2,895

Cheap Raleigh, North Carolina Auto Insurance Rates By Commute

Commute length and annual mileage affect Raleigh, North Carolina auto insurance. Find the cheapest annual Raleigh, North Carolina auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Raleigh, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,434 $7,434
GEICO $2,862 $2,862
Liberty Mutual $2,172 $2,172
Nationwide $2,737 $2,737
Progressive $2,338 $2,338
State Farm $2,956 $2,971
Travelers $3,100 $3,100

Cheap Raleigh, North Carolina Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Raleigh, North Carolina? Check out the comparison of annual Raleigh, North Carolina auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Raleigh, North Carolina

Insurance Company Low Medium High
Allstate $7,157 $7,405 $7,741
GEICO $2,736 $2,852 $2,999
Liberty Mutual $2,068 $2,158 $2,288
Nationwide $2,625 $2,723 $2,862
Progressive $2,218 $2,324 $2,472
State Farm $2,841 $2,948 $3,101
Travelers $2,970 $3,083 $3,246

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Raleigh, North Carolina

Compare the cheapest auto insurance companies in Raleigh, North Carolina in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Raleigh, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

The Cheapest Raleigh, North Carolina Auto Insurance Companies

What auto insurance companies in Raleigh, North Carolina are the cheapest? Compare the top Raleigh, North Carolina auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Raleigh, North Carolina

Insurance Company Average Annual Rates
Allstate $7,434
GEICO $2,862
Liberty Mutual $2,172
Nationwide $2,737
Progressive $2,338
State Farm $2,963
Travelers $3,100

What affects auto insurance rates in Raleigh, North Carolina?

There are a lot of reasons why auto insurance rates in Raleigh, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Raleigh, North Carolina. Many local factors may affect your Raleigh auto insurance rates.

Raleigh Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Raleigh, North Carolina commute length is 24.0 minutes according to City-Data.

Raleigh Traffic

How does Raleigh, North Carolina rank for traffic? According to Inrix Raleigh, North Carolina is the 967th most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Raleigh, North Carolina Auto Insurance Quotes

Before you buy Raleigh, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Raleigh, North Carolina auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption