What Auto Insurance is Cheapest for High Mileage Drivers in Raleigh?

The words “low-cost” and “insurance” probably shouldn’t be used together, especially when searching for the best price on coverage for high mileage drivers. Because it’s so expensive, let’s start the ball rolling by going over some of the things that have an effect on car insurance prices, and find out if you can take a little off your next policy.

Finding out which companies offer the best car insurance rates for high mileage drivers may require a little more effort than just comparing a company or two. Each company uses their own calculation for determining rates, so let’s take a look at the most affordable car insurance companies in North Carolina.

It’s a good idea to be aware that Raleigh, NC car insurance rates are impacted by many things which can significantly increase or decrease your annual premium. Getting older, buying a new vehicle, or getting into an accident may generate price changes resulting in some rates now being affordable when they were higher priced.

Cheap Insurance Rates in North Carolina

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Cheapest North Carolina auto insurance companies
Rank Company Cost Per Year
1 Utica National $636
2 Progressive $658
3 Liberty Mutual $700
4 NC Farm Bureau $716
5 Penn National $717
6 Titan $737
7 State Farm $749
8 GEICO $750
9 Auto-Owners $852
10 Erie $904
11 National General $908
12 Allied $919
13 Travelers $936
14 Peerless $1,002
15 Unitrin $1,002
16 MetLife $1,007
17 Nationwide $1,041
18 Allstate $1,054
19 Safeco $1,066
20 Encompass $1,073
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Utica National quotes some of the best car insurance rates in Raleigh at around $636 per year. Progressive, Liberty Mutual, NC Farm Bureau, and Penn National also qualify as some of the cheaper Raleigh, NC insurance companies.

In the above example, if you currently have coverage with NC Farm Bureau and switched to Utica National, you may see a yearly price reduction of upwards of $80. Drivers with Penn National might save as much as $81 a year, and Titan customers might reduce prices by as much as $101 a year.

It’s important to note that these policy rates are averages for all drivers and vehicles and and are not calculated with a vehicle location for high mileage drivers. So the company that is best suited for you may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own specific driver information and vehicle.

The make and model of vehicle requiring insurance is probably the most important factor when trying to find the most economical coverage for high mileage drivers. Vehicles with high performance engines, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below estimates auto insurance prices for the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Raleigh, NC
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,127
Toyota Tacoma 2WD $1,196
Ford Escape Limited 2WD $1,206
Volkswagen Jetta S 4-Dr Sedan $1,219
Toyota RAV4 Sport 2WD $1,226
Toyota Camry LE $1,219
Jeep Grand Cherokee Laredo 2WD $1,225
Chevrolet Malibu Hybrid $1,219
Toyota Prius $1,253
Kia Optima LX $1,303
Honda Odyssey EX $1,308
Ford F-150 XL Super Cab 4WD $1,310
Ford Fusion SEL 4-Dr Sedan $1,318
Honda Civic DX 4-Dr Sedan $1,342
Chevrolet Equinox LS 2WD $1,372
Dodge Grand Caravan Hero $1,382
Hyundai Elantra Blue 4-Dr Sedan $1,381
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in vehicle garaging location which can revise insurance rates significantly.

Based on these rates, you can conclude that vehicles like the Honda CR-V, Toyota Tacoma, and Ford Escape are going to be some of the most economical vehicles to insure for high mileage drivers.

One of the many things that are looked at to help calculate the price you pay for insurance is the neighborhood you call home in Raleigh. Cities with more crime and/or more people tend to have higher rates, whereas areas with less crime or weather claims benefit from lower coverage costs.

The following table ranks the most expensive cities in North Carolina for high mileage drivers to purchase auto insurance in. Raleigh is ranked #7 with an annual premium of $767 for the average policyholder, which is around $64 monthly.

How much does car insurance cost in Raleigh, NC?
Rank City Average Per Year
1 Fayetteville $923
2 Jacksonville $891
3 Charlotte $816
4 Wilmington $788
5 Gastonia $787
6 Durham $773
7 Raleigh $767
8 Goldsboro $765
9 Huntersville $764
10 Greensboro $756
11 Wilson $754
12 Greenville $752
13 Cary $749
14 Rocky Mount $748
15 High Point $731
16 Apex $725
17 Indian Trail $723
18 Winston Salem $716
19 Hickory $711
20 Salisbury $705
21 Kannapolis $697
22 Chapel Hill $696
23 Burlington $692
24 Asheville $687
25 Concord $676
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Table data uses estimated as the garaging address in Raleigh can raise or lower premium rates noticeably.

Types of discounts on Raleigh car insurance

Discounts on car insurance for high mileage driversAuto insurance companies that offer quotes for high mileage drivers may have premium discounts that could lower prices by 25% or more if you qualify for them. A list of car insurance companies and their offered discounts include:

The diagram below visualizes the comparison of car insurance costs with and without discounts. The premiums are based on a female driver, no accidents, no driving violations, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, claim-free, anti-theft, defensive driving course, multiple policy, and safe-driver discounts applied. In this example, the average amount saved each year on car insurance for high mileage drivers is 27% or $309.

Best car insurance company in North Carolina

Finding the highest-rated company is hard considering how many choices drivers have in North Carolina. The ranking data shown next can help you select which auto insurers to look at shopping prices with. These ratings are for companies that insure vehicles nationwide, so smaller companies are not included in this list.

Top 15 Car Insurance Companies for High Mileage Drivers in Raleigh, NC
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

The agents shown below can provide answers to your questions and help you determine which policy is best, since many consumers aren’t sure which coverage to buy and prefer to have a consultation when shopping for cheaper insurance for high mileage drivers. It’s not always simple to find the best rates on your own, so professional agents can give you peace of mind knowing your policy gives you sufficient coverage at claim time. To find a Raleigh insurance agency using an interactive map, click the button at the bottom of the list or click here to get price quotes now.

Blackmon Insurance
3416 Poole Rd # 110Raleigh, NC 27610(919) 231-8131

Anthony Sykes – State Farm Insurance Agent
4030 Wake Forest Rd Ste 106Raleigh, NC 27609(919) 850-0560

Wade S Dunbar Insurance
7951 Monument Ln # 201Raleigh, NC 27615(919) 720-2290

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How to find low-cost car insurance for high mileage drivers

The list below summarizes some of the better money-saving ideas that can help drivers quote low-cost car insurance.

That last piece of advice is very critical, as was affirmed in the article above. Car insurance prices fluctuate constantly, so drivers shouldn’t be reluctant to buy from a different company if a cheaper price is available. Sticking with a specific company is fine, but we do not recommend it if your bullheadedness ends up costing you potentially thousands of dollars a year. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance for high mileage drivers in Raleigh.