Cheapest Car Insurance In Raleigh, NC 2025
Nationwide offers the most affordable minimum coverage car insurance in Raleigh, with an average monthly cost of $42.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Raleigh, NC, can be challenging, as prices vary widely.
For those needing the lowest-cost liability-only coverage, Nationwide is the top choice. On the other hand, drivers wanting full coverage at the best price will find Erie to be the most budget-friendly option. Erie also provides the most affordable rates for young drivers.
Cheapest Car Insurance In Raleigh, NC
Cheapest Liability-only Car Insurance In Raleigh: Nationwide
Nationwide offers the lowest rates for minimum coverage car insurance in Raleigh, with an average cost of $42 per month.
Check the table below to see how other insurance providers compare.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $52 | $624 |
| Erie | $46 | $552 |
| Direct Auto | $63 | $756 |
| Travelers | $55 | $660 |
| Nationwide | $42 | $504 |
Cheapest Full Coverage Insurance Rates In Raleigh: Erie
Erie offers the most affordable full coverage car insurance in Raleigh, with an average monthly rate of $65.
The table below provides a comparison of average quotes from budget-friendly insurance providers in Raleigh.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $82 | $984 |
| Erie | $65 | $780 |
| Progressive | $90 | $1,080 |
| GEICO | $76 | $912 |
| Nationwide | $69 | $828 |
Cheapest Car Insurance Rates For Seniors: Nationwide
Nationwide offers the lowest car insurance rates for seniors in Raleigh, with an average monthly cost of $51.
The table below compares quotes from the most affordable insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $72 | $864 |
| Erie | $54 | $648 |
| Nationwide | $69 | $828 |
| Travelers | $51 | $612 |
| GEICO | $65 | $780 |
Cheapest Rates In Raleigh For Teenagers: Erie
Teen drivers in Raleigh can get the most affordable rates from Erie, with average monthly premiums of $135.
The table below highlights the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $162 | $1,944 |
| Erie | $135 | $1,620 |
| GEICO | $310 | $3,720 |
| Nationwide | $318 | $3,816 |
| Progressive | $146 | $1,752 |
Cheapest Auto Insurance For Young Adults in Raleigh: Erie
Erie provides the most affordable car insurance for young adults in Raleigh, with an average monthly rate of $85.
Check the table below to compare the lowest auto insurance rates for young adults in Raleigh.
| Provider | Average Monthly Cost | Average Annual Cost |
| North Carolina Farm Bureau | $90 | $1,080 |
| Nationwide | $88 | $1,056 |
| Auto-Owners | $92 | $1,104 |
| Erie | $85 | $1,020 |
| Safeco | $89 | $1,068 |
Cheapest Car Insurance In Raleigh For Good Drivers: Nationwide
Safe drivers in Raleigh can get the lowest car insurance rates from Nationwide, with an average monthly cost of $45.
Use the table below to compare quotes from the most budget-friendly insurers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $48 | $576 |
| Travelers | $59 | $708 |
| Nationwide | $45 | $540 |
| Direct Auto | $64 | $768 |
| GEICO | $53 | $636 |
Find Affordable Raleigh Rates
Cheapest Car Insurance In Raleigh After A Speeding Ticket: Erie
Erie offers some of the lowest rates in Raleigh, with an average monthly cost of $66 for drivers with a speeding ticket.
Check the table below to compare average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $85 | $1,020 |
| Erie | $66 | $792 |
| Travelers | $78 | $936 |
| Nationwide | $67 | $804 |
| GEICO | $71 | $852 |
Cheapest For Drivers With After At-Fault Accident: Nationwide
Nationwide provides the most affordable car insurance for drivers with an at-fault accident, with an average monthly rate of $70.
Below is a list of insurers offering the lowest rates for drivers with an at-fault incident.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $75 | $900 |
| Erie | $72 | $864 |
| Direct Auto | $93 | $1,116 |
| Nationwide | $70 | $840 |
| Travelers | $85 | $1,020 |
Cheapest Rates In Raleigh For Drivers After A DUI: Erie
Erie provides the lowest insurance rates for drivers with a DUI. In Raleigh, their average monthly premium is $79.
If you’re a driver in Raleigh with a DUI, you can find the most affordable rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $81 | $972 |
| Erie | $79 | $948 |
| Allstate | $105 | $1,260 |
| Travelers | $97 | $1,164 |
| GEICO | $85 | $1,020 |
Best Car Insurance Companies In Raleigh
Nationwide offers the lowest car insurance rates in Raleigh at $101 per month. Other budget-friendly options include Direct Auto at $115 per month and Erie at $124 per month.
Below is a list of the top 10 car insurance companies in Raleigh, NC, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Nationwide | $101 |
| Direct Auto | $115 |
| Erie | $124 |
| Progressive | $132 |
| National General | $140 |
| Travelers | $142 |
| Penn National | $147 |
| State Farm | $150 |
| North Carolina Farm Bureau | $159 |
| GEICO | $182 |
Average Auto Insurance Rates In Raleigh- By Age
Age plays a significant role in determining car insurance rates. Younger drivers, especially teens, typically face higher premiums due to their inexperience and increased risk of accidents. On average, teenagers pay about $2,570 per year for coverage.
By the time drivers turn 25, their rates generally start to drop—provided they maintain a clean record.
The lowest insurance rates are usually available to drivers in their 50s and early 60s. Insurance companies factor in age to evaluate driving experience and risk, which directly impacts premium costs.
| Age | Average Yearly Rate |
| Teenagers | $2,570 |
| 20s | $2,028 |
| 30s | $1,428 |
| 40s | $1,368 |
| 50s | $1,524 |
| 60s | $1,308 |
| 70s | $1,452 |
Average Rates In Raleigh- By Vehicle
The car you drive has a major impact on your insurance costs. Insurers consider factors like the make, model, year, and body style when calculating premiums. In general, newer cars—especially luxury models with advanced features and expensive repair costs—come with higher insurance rates.
Check the table below for average insurance rates in Raleigh based on different vehicle types.
| Vehicle | Average Monthly Rate |
| Subaru Impreza | $115 |
| Ford Fusion | $447 |
| Dodge Journey | $104 |
| Toyota Highlander | $109 |
| Chevrolet Trailblazer | $130 |
How Much Is Car Insurance In Other Cities in North Carolina?
Where you live has a big impact on your car insurance rates. Insurers consider factors like accident frequency, vehicle theft, and vandalism—risks that tend to be higher in urban areas, leading to increased premiums.
For example, drivers in Fayetteville pay about $144 per month for coverage, while those in Greensboro see an average rate of $130 per month.
| City | Average Monthly Rate |
| Fayetteville | $144 |
| Greensboro | $130 |
| Greenville | $137 |
| Charlotte | $150 |
| Asheville | $99 |
| Cary | $112 |
| Chapel Hill | $119 |
| High Point | $120 |
| Durham | $153 |
| New Bern | $123 |
Average Cost Of Auto Insurance In Raleigh- By Zip Code
Insurance companies use zip codes to assess crime rates in your area, which directly affects car insurance costs. As a result, insurance rates vary by zip code.
Check the table below for average car insurance rates in different Raleigh zip codes.
| Zip Code | Average Monthly Rate |
| 27601 | $180 |
| 27603 | $119 |
| 27604 | $123 |
| 27605 | $72 |
| 27606 | $125 |
Find Affordable Raleigh Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Raleigh, NC.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Raleigh?
Nationwide provides the most affordable car insurance rates in Raleigh for the minimum coverage required by the State of North Carolina, while Erie offers the best rates for full coverage, which includes both comprehensive and collision coverage.
What is the average cost of car insurance in Raleigh?
The average car insurance cost in Raleigh is around $139 per month. However, your actual rate may vary depending on factors like your zip code, vehicle make and model, driving history, and more.
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