What Auto Insurance is Cheapest for Hybrid Vehicles in Raleigh?

For hybrids, one of the largest factors that help determine the price you pay for insurance is where you live in Raleigh. Areas with more people or more claims tend to have more expensive car insurance rates, whereas more rural areas have the enjoyment of a little cheaper coverage.

The information below rates the highest-priced places in North Carolina for hybrid vehicles to buy auto insurance in. Raleigh shows up at #13 with an annual cost of $744 for coverage, which is approximately $62 monthly.

Car insurance prices in Raleigh
Rank City Average Per Year
1 Fayetteville $905
2 Jacksonville $873
3 Charlotte $832
4 Gastonia $811
5 Wilmington $788
6 Cary $765
7 Durham $765
8 Greensboro $763
9 High Point $753
10 Indian Trail $753
11 Greenville $752
12 Apex $747
13 Raleigh $744
14 Goldsboro $743
15 Huntersville $734
16 Wilson $732
17 Hickory $732
18 Rocky Mount $726
19 Salisbury $712
20 Chapel Hill $703
21 Burlington $699
22 Winston Salem $688
23 Asheville $681
24 Concord $676
25 Kannapolis $676
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Annual rates are comparative as the specific Raleigh residence address can influence premium rates noticeably.

The vehicle model needing coverage is one of the primary factors when comparing the lowest-priced coverage for hybrid vehicles. Vehicles with lots of speed or power, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models.

The table below ranks insurance costs for a handful of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Raleigh, NC
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $1,025
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,102
Toyota Prius $1,109
Honda Accord LX-P 4-Dr Sedan $1,147
Ford Escape XLS 2WD $1,229
Toyota Camry SE $1,250
Chevrolet Silverado LS Regular Cab 4WD $1,263
GMC Sierra SLT Extended Cab 4WD $1,272
Jeep Grand Cherokee SRT-8 4WD $1,280
Ford F-150 XL Regular Cab 4WD $1,288
Dodge Ram 3500 Crew Cab ST 2WD $1,318
Ford Focus SE 2-Dr Coupe $1,334
Nissan Rogue SL AWD $1,340
Hyundai Elantra SE Touring Station Wagon $1,336
Ford Edge SEL 2WD $1,345
Toyota RAV4 4WD $1,361
Ford Explorer XLT 2WD $1,377
Dodge Grand Caravan Crew $1,386
Toyota Tacoma 2WD $1,425
Chevrolet Malibu LS $1,454
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in specific zip code location which can change premium rates considerably.

Looking at the data, we can infer that cars like the Honda CR-V, Jeep Wrangler, and Toyota Prius are most likely going to be a few of the less-costly vehicles to insure for hybrids.

Trying to find low-cost auto insurance is not most people’s favorite thing to do, and finding out which companies offer the best car insurance rates for hybrid vehicles will involve a bit more work. Every insurance company uses their own calculation for setting prices, so we’ll take a look at the car insurance companies with the overall cheapest rates in North Carolina.

Best Cheap Insurance Rates for Hybrids

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Cheapest auto insurance in North Carolina ranked by cost per year
Rank Company Cost Per Year
1 Utica National $636
2 Progressive $651
3 GEICO $720
4 Liberty Mutual $721
5 NC Farm Bureau $737
6 Penn National $739
7 State Farm $756
8 Titan $759
9 Auto-Owners $844
10 National General $890
11 Travelers $900
12 Allied $901
13 Erie $931
14 Peerless $972
15 MetLife $1,007
16 Unitrin $1,032
17 Encompass $1,041
18 Nationwide $1,041
19 Allstate $1,064
20 Safeco $1,076
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Utica National may offer some of the lowest car insurance rates in Raleigh at around $636 per year. This is $236 less than the average rate paid by North Carolina drivers of $872. Progressive, GEICO, Liberty Mutual, and NC Farm Bureau also rank well as some of the most economical Raleigh, NC auto insurance companies.

In this example, if you have coverage with Liberty Mutual and switched to Utica National, you might see an annual premium reduction of about $85. Drivers with NC Farm Bureau might save as much as $101 a year, and Penn National policyholders might cut rates by $103 a year.

To find out how your current rates compare, click here to start your free quote or visit several of the following companies.

These policy prices are averages for all types of insureds and vehicles and do not factor in a specific location for hybrid vehicles. So the car insurance company that has the cheapest price for you may not even be in the top 20 companies shown above. That emphasizes why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

Illustration showing the impact of accidents and violations

A great way to score low car insurance prices for hybrids is to pay attention while driving and avoid accidents and keep your driving record clean. The illustration below highlights how traffic violations and at-fault fender-benders raise yearly insurance costs for different categories of driver ages. The price estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.

In the chart above, the average cost of auto insurance in North Carolina per year with no violations or accidents is $1,817. Receive two speeding tickets and the average cost jumps to $2,445, an increase of $628 each year. Now add in one accident along with the two speeding tickets and the annual cost of car insurance for hybrid vehicles increases to an average of $3,089. That’s an increase of $1,272, or $106 per month, just for not driving safely!

Ratings for Raleigh car insurance companies

Picking a good quality company can be rather challenging considering how many companies provide coverage in North Carolina. The company rank data in the next section may help you decide which car insurance providers to look at shopping your coverage with.

The rankings below are for companies that insure vehicles across America, so companies with more of a regional focus are not included in the list. If you’d like to compare prices from these top-rated insurers and more, simply click here.

Top 10 Major Auto Insurers in Raleigh Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

Top 10 Major Auto Insurers in Raleigh Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. Nationwide – A+
  9. The Hartford – A+
  10. Allstate – A+

How to find cheaper insurance for hybrid vehicles

The list below shows some of the better penny-pinching suggestions that can help you get cheap car insurance.

That last tip is particularly necessary, as we noted in this article. Prices charged by auto insurers fluctuate constantly, so you should be ready to switch carriers if a cheaper rate is available.

Loyalty to a specific company is fine, but it isn’t a good idea if that loyalty ends up costing a fortune every year. Now is a great time to shop around to find cheaper auto insurance for hybrid vehicles in Raleigh.

If you aren’t sure which coverage to buy and prefer to have a little guidance when comparing insurance rates for hybrids, the insurance agencies below can probably answer your questions and help you decide which coverage fits your budget. To locate an agency using an interactive map, click the button below the list or click here to compare price quotes now.

Mary Wilson – State Farm Insurance – Raleigh
9660 Falls of Neuse Rd #165Raleigh, NC 27615(919) 872-1225

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

GEICO Insurance Agent
5011 Falls of Neuse Rd ARaleigh, NC 27609(919) 862-1300

Find a Raleigh, NC insurance agent near you