While Raleigh’s traffic scene doesn’t rival that of larger metropolitan areas, it’s still big enough to have the dreaded congestion from daily commutes — and the accidents that come along with it. As the Raleigh area’s population continues to grow each year and more drivers take to local roads and highways, your car insurance policy will become even more crucial.

We’ve gathered data from real Jerry customers in Raleigh to give you a sense of what pricing to expect, which companies may offer lower rates and how your age, driving history and coverage needs might impact your rate.

Cheapest minimum coverage insurance in Raleigh

North Carolina requires drivers to have a state-mandated minimum of:

• $30,000 for bodily injury to one person and $60,000 for bodily injury to two or more people.
• $25,000 for property damage.

Here are some quotes that Jerry customers in Raleigh have received for state minimum coverage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Raleigh

North Carolina is No. 9 on the list of the top 10 states with the most water-damaged cars with a count of more than 14,300, according to CARFAX. 

Full coverage combines comprehensive and collision coverages, which is particularly useful if you need protection from weather-related incidents that aren’t covered by liability insurance.

Here’s a look at some real quotes to Jerry customers in Raleigh for full coverage car insurance.

Cheapest car insurance for young drivers in Raleigh (18-29 years old)

As in most cities, Raleigh drivers between 18 and 29 years old should expect to pay higher prices for an auto insurance. However, prices are likely to lower by the time you’re in your 20s.

Here’s what real Jerry customers from 18 to 29 years old in Raleigh have been quoted for car insurance.

Cheapest car insurance for mature drivers in Raleigh (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Raleigh

A driver with no claims or no violations is more likely receive a lower premium than someone with a less-than-perfect driving record.

Here are quotes that drivers with spotless records in Raleigh have received through Jerry.

Cheapest car insurance for drivers with low credit scores in Raleigh

A low credit score in Raleigh doesn’t mean you’re going to pay drastically more than someone with a great credit score, but it’s one of many factors insurers consider when providing a quote.

Jerry customers may pay a price comparable to others in their age group even if they have a credit score below 550 points.

Cheapest car insurance for drivers with at-fault accidents in Raleigh

Cheapest car insurance for drivers with speeding ticket in Raleigh

Here are some of the most affordable insurance rates available for drivers in Raleigh who have a speeding ticket, according to actual quotes from Jerry.

Cheapest car insurance for drivers with DUIs in Raleigh

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a content strategist with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a content strategist at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.