Compare Cheap Car Insurance Quotes in Raleigh, NC
Erie Insurance has the cheapest full coverage car insurance in Raleigh, NC, at $69 per month. It also has the cheapest minimum coverage quotes, at $33 per month.
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Best car insurance companies in Raleigh
How we chose the top companies
Cheapest car insurance in Raleigh: Erie
Erie has the best rates by far for full coverage car insurance in Raleigh.
Erie's average rate of $69 per month is about half the city average.
Progressive is only $2 per month more than Erie, on average, but Erie's customer service is much better rated than Progressive's.
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Cheapest full coverage car insurance in Raleigh
Company | Monthly rate | |
|---|---|---|
| Erie | $69 |
| Progressive | $71 |
| State Farm | $81 |
| Geico | $165 |
| Nationwide | $167 |
Cheapest liability insurance quotes in Raleigh: Erie
Erie has the cheapest minimum liability insurance in Raleigh, at an average of $33 per month.
Erie's price is less than half the city average of $78 per month. Even the second-cheapest option, Progressive, is $49 per month. Erie is about one-third less than Progressive.
Cheapest minimum coverage car insurance in Raleigh, NC
Company | Monthly rate |
|---|---|
| Erie | $33 |
| Progressive | $49 |
| State Farm | $53 |
| Nationwide | $72 |
| Geico | $91 |
Cheapest car insurance for young drivers: Erie
Erie has the best rates for young drivers in Raleigh. Its average rate for an 18-year-old is $73 per month for liability-only coverage, which is less than half the city average.
Progressive and State Farm are the next-cheapest options, at $107 per month. State Farm is usually a better option than Progressive because it has very dependable customer service.
For full coverage, Erie is the cheapest option at $145 per month, and Progressive is just a few dollars more.
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $73 | $145 |
| Progressive | $107 | $149 |
| State Farm | $107 | $167 |
| Geico | $146 | $301 |
| Nationwide | $160 | $337 |
Ways for teens to save on insurance
Options for young drivers looking to cut insurance costs include:
- Look for discounts specifically for teens: Insurance companies will give you a cheaper rate for getting good grades or taking an extra driver safety course, among others.
- Join a parent's car insurance policy: It's usually much cheaper for a teen to share a policy with their parent than to maintain separate policies.
Cheapest car insurance for drivers with a speeding ticket: Progressive
Progressive has the lowest prices in Raleigh for car insurance after a speeding ticket. The company's average price of $93 per month for full coverage is half the average rate citywide.
Erie Insurance also has great prices after a ticket, at $101 per month. Erie is known for having top-rated customer service, too.
A speeding ticket raises insurance rates in Raleigh to an average of $200 per month.
Cheapest car insurance for Raleigh drivers with a speeding ticket
Company | Monthly rate |
|---|---|
| Progressive | $93 |
| Erie | $101 |
| State Farm | $106 |
| Nationwide | $222 |
| Geico | $240 |
Cheapest car insurance in Raleigh after an accident: Erie Insurance
The lowest rate for Raleigh drivers at fault for an accident is from Erie Insurance.
The average price for full coverage insurance from Erie after a crash is $76 per month.
On average, Erie drivers see an increase of just $7 per month after they cause an accident. That's the smallest increase among larger companies by far. The second-cheapest option, Progressive, increases rates by an average of $39 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Erie | $76 |
| Progressive | $110 |
| State Farm | $126 |
| Farm Bureau | $312 |
| Nationwide | $355 |
Overall, Raleigh drivers typically pay about $254 per month for car insurance after causing an accident.
Insurance companies have found that someone who causes one car crash is more likely to make another claim in the future. Because of that, you'll almost always see an increase in insurance rates after you file a liability insurance claim.
Cheapest car insurance for young drivers after a ticket or accident: Erie
Erie has the cheapest prices in Raleigh for 18-year-olds after they've gotten a ticket or been in an accident.
After one speeding ticket, 18-year-olds will pay an average of just $92 per month for a liability-only policy with Erie. That's 53% less than the average Raleigh rate.
And after an at-fault accident, Erie charges teen drivers an average of $80 per month for minimum coverage — 65% below the average price citywide.
Company | Ticket | Accident |
|---|---|---|
| Erie | $92 | $80 |
| Progressive | $122 | $133 |
| State Farm | $126 | $138 |
| Geico | $161 | $260 |
| Nationwide | $184 | $255 |
Cheapest car insurance for drivers with a DUI: Progressive
Progressive has the cheapest car insurance in Raleigh after a DUI, at $261 per month for full coverage.
Erie is also cheaper than average, at $291 per month, and has great customer service.
Cheapest car insurance for Raleigh drivers with a DUI
Company | Monthly rate |
|---|---|
| Progressive | $261 |
| Erie | $291 |
| Geico | $573 |
| Nationwide | $638 |
| Allstate | $1,088 |
State Farm rates after a DUI are unavailable in North Carolina.
Getting a DUI in Raleigh has a huge impact on your car insurance rates. On average, drivers with a DUI conviction will see an average price of $670 per month. That's more than four times as expensive as the rate for a driver with a clean record.
After a DUI, North Carolina drivers see the biggest increase in car insurance prices of any state in the country. Across the state, a typical driver can expect to see a 325% rate increase after getting a DUI.
Cheapest car insurance for drivers with poor credit: Progressive
The cheapest car insurance for a driver with poor credit in Raleigh is from Progressive, where the average price is $71 per month for full coverage. That's about one-fourth the city average.
Erie Insurance is also very affordable, at $100 per month.
The average price for car insurance with bad credit in Raleigh is $262 per month, or 82% higher than for a driver with good credit.
Your credit score doesn't have anything to do with your driving ability. But insurance companies have found that people with low credit scores are more likely to file insurance claims, so they pay more for coverage.
Cheapest car insurance for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $71 |
| Erie | $100 |
| Nationwide | $217 |
| Geico | $241 |
| Farm Bureau | $264 |
Average car insurance costs in Raleigh by neighborhood
The area around Ralina and NC State University has the cheapest car insurance in Raleigh.
There, residents pay an average of $129 per month for full coverage. That's $32 per month cheaper than the most expensive neighborhood, in Brentwood and Woodcrest.
In some cities, you might pay more for car insurance if your neighborhood has a lot of car accidents or high rates of car theft.
ZIP | Monthly rate | % from average |
|---|---|---|
| 27601 | $160 | 12% |
| 27603 | $148 | 4% |
| 27604 | $161 | 13% |
| 27605 | $132 | -8% |
| 27606 | $131 | -8% |
What's the best car insurance coverage in Raleigh, NC?
Most people in Raleigh should choose full coverage car insurance.
Full coverage insurance gives you more protection, with collision and comprehensive coverages.
- Collision coverage: Protects your own vehicle if it's damaged in a crash, regardless of who was at fault. It also covers damage from collisions with objects and single-car accidents.
- Comprehensive coverage: Pays for repairs to your car if it's damaged by a natural disaster, hail, theft or something other than a crash.
Full coverage also typically includes higher limits for liability coverage, which pay for others' medical and car repair bills if you're responsible for a crash.
With only minimum liability coverage, an accident could be a huge financial loss because you'll be responsible for any damage that exceeds your insurance limits. Medical costs are regularly more expensive than state minimums, and vehicle repairs can be, too.
Methodology
Quotes are from every ZIP code in Raleigh across seven of North Carolina's largest insurance companies. Rates are for a full coverage policy for a 30-year-old man with a 2015 Honda Civic EX and good credit, unless otherwise stated.
Full coverage rates include liability coverage, plus collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $50,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.