4.7/5 App Store Rating
12,000+ Reviews · Trusted by 3.5M+ Customers

Compare Best Cheap Car Insurance Quotes in Raleigh, North Carolina 2023

Find out if you're getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in Raleigh pay an average of $2,634 annually for car insurance. That’s about $220 per month to insure your car.
As the capital of North Carolina, Raleigh is alive with cultural activities and natural beauty—including its famous oak trees. Additionally, Raleigh is part of North Carolina’s famous Research Triangle as it is home to some of the state’s top universities. While these aspects make Raleigh a great place to live, they don’t do much for cheap car insurance rates.
Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in North Carolina, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in Raleigh

There’s no single company that offers the best rate to everyone in Raleigh . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Raleigh :
Insurance Company
Average Cost
Annual Savings with Jerry
National General$2,812$1,298
State Auto$2,470$887
Compare Prices
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCar
Before Jerry
After Jerry
Zip CodeNameAgeInsurance Company
May 19, 2023Bmw 328 XI$199/mo.$139/mo.27614Myrtle W.38Dairyland
January 19, 2023Kia Soul +$202/mo.$99/mo.27613Dominic B.27Progressive
May 10, 2022Nissan Versa S$580/mo.$149/mo.27603Bertie C.24Dairyland
February 19, 2022Volkswagen Passat SEL$65/mo.$61/mo.27614Curtis A.32Progressive
February 8, 2022Chevrolet Traverse LT$246/mo.$86/mo.27617Sarah R.48National General
To avoid high car insurance rates, keep a clean driving record. Drivers with clean driving records typically pay around 30% less than those with accidents on their records pay for coverage. Comparison shopping is another way to save money on your monthly premium — compare quotes from at least three insurance companies before deciding on a policy.
In order to drive legally in the state of North Carolina, you’ll need to purchase the state-required minimum liability insurance: at least $30,000 per person/$60,000 per accident for bodily injury liability and $25,000 per accident in property damage liability
You’ll also need to carry at least $30,000 in bodily injury uninsured/underinsured motorist coverage per person, $60,000 in bodily injury uninsured/underinsured motorist coverage per accident, and $25,000 in property damage uninsured/underinsured coverage. 
That said, you should pay more coverage than that if you can. For example, if you live in a highly trafficked area, like a city, you may want to purchase collision car insurance. If your area has a high crime rate, you might consider adding comprehensive car insurance to your policy.
Yes. Demographic factors like your age, driving history, address, and credit score will affect your car insurance rate in North Carolina. To avoid high car insurance rates, keep a good credit score. Young drivers will see higher car insurance rates because the risk to insure them is greater than it is for those with more experience. However, the factor that affects your car insurance rate the most is driving history. If you have an accident on your record, you’ll pay significantly more for coverage than someone with a clean driving history.
No, North Carolina is not a no-fault state. North Carolina is an at-fault state, which means that if you’re involved in a collision where you’re deemed at fault, you’ll be required to compensate the other driver for their medical expenses and property damage. There are 38 at-fault states and 12 no-fault states. In a no-fault state, each driver’s insurance company compensates their policyholder for any medical costs resulting from an accident, regardless of fault. However, the at-fault driver is still responsible for paying for the other driver’s property damage costs.

How much does car insurance in Raleigh cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Raleigh:
How do Raleigh insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Raleigh so expensive. The graph below shows how much North Carolina drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does North Carolina require?
North Carolina requires that every resident have at least $30,000 per person/$60,000 per accident for bodily injury liability and $25,000 per accident in property damage liability.
In case you are pulled over in North Carolina, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV, so you will always have your stored proof of insurance available 24/7 in the Jerry app.
No. North Carolina is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Raleigh

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Raleigh with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,662$1,039
Eluding Police$5,400$3,247
Driving on Sus. License$3,647$1,905
Speeding under 15$3,026$1,077
Speeding over 15$3,327$1,008
Improper Passing$2,129$776
Illegal Turn$2,196$659
Defective Equipment$2,341$635
Failure to Obey Traffic Sign$2,249$552
Careless Driving$1,927$412

Raleigh driving violation FAQ's

How much is car insurance in Raleigh with a DUI?

If you have a DUI on your record, your car insurance premium in Raleigh could increase by as much as 6%.

How much does your car insurance increase after a speeding ticket in Raleigh?

If you’re caught speeding through Raleigh and end up with a ticket, you can expect to see your insurance rate jump by about 27%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

How many fatal accidents happen in Raleigh each year?

According to local accident statistics, there are roughly 14.7 fatal accidents per 100,000 residents in the city of Raleigh each year. Insurance won’t protect you against accidents like this, so be sure to drive safely!

How many drivers in Raleigh have been in an accident?

About 13.70% of drivers in Raleigh have been in an accident - resulting in an average rate increase of 27%.

Best car insurance in Raleigh by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Raleigh for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Raleigh based on your age? Check out the table below.

Car insurance in Raleigh for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Raleigh. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in North Carolina—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Raleighneighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Raleigh.
Average Cost
Annual Savings with Jerry
Hyundai Elantra SE$2,281$852
Honda Civic EX$2,173$820
Nissan Altima 2.5$2,329$808
Ford Fusion SE$2,006$761
Toyota Corolla L$1,882$699

Raleigh car FAQ's

More people in Raleigh drive a Honda Cr-V Exl than any other car! On average, these drivers pay $1,975 for their auto insurance.

What is the most expensive car to insure in Raleigh?

At an average of $4,364 per year, a Kia Sportage Ex is the most expensive car to insure in Raleigh. If you drive one, we’re sorry.

Car insurance cost based on where you live in Raleigh:

Now, we’ve been talking about “drivers in Raleigh” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Raleigh, drivers in the27606, 27610, 27604, 27614 and 27615 zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 27608, 27617, 27612, 27601 and 27607code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
February 19, 2022Volkswagen Passat SEL$65/mo.$61/mo.27614NCCurtis A.32Progressive
February 8, 2022Chevrolet Traverse LT$246/mo.$86/mo.27617NCSarah R.48National General
January 19, 2023Kia Soul +$202/mo.$99/mo.27613NCDominic B.27Progressive
May 19, 2023Bmw 328 XI$199/mo.$139/mo.27614NCMyrtle W.38Dairyland
May 10, 2022Nissan Versa S$580/mo.$149/mo.27603NCBertie C.24Dairyland

Driving in Raleigh

Finding a good car insurance policy in Raleigh is just the beginning. If you’re new to the area, here’s everything you should know about driving in Raleigh.
First off: weather. Raleigh gets approximately 100 days of rain each year, for an annual total of 46" inches. And in the winter, you can expect 4" inches of snow. Jerry’s research has shown that heavy rain is responsible for more fatal car accidents than snow, so be sure to drive carefully in inclement weather (and invest in a good collision coverage policy!).

Raleigh driving FAQs

What are the average gas prices in Raleigh?

The price of gas in Raleigh varies over time, but it’s typically about 6% lower than the national average. For tips to help save money on gas, check out our guide!
What is the rate of catalytic converter theft in Raleigh
On average, 2.92 catalytic converters are stolen annually in Raleigh per 1,000 cars.

What is the average commute time in Raleigh?

The average one-way commute in Raleigh takes 23.4 minutes, which is shorter than the US average of 26.4 minutes. It ranked #194 for most congested city in the United States. The average Raleigh driver lost 6 hours in congestion in 2021.

How can you save money on car insurance in Raleigh?

Let’s face it: living in Raleigh means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Raleigh.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    Raleigh drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in North Carolina—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free