Cheap Raleigh Car Insurance

Finding affordable coverage may seem impossible, but if you follow these steps you'll have a good chance of reducing your annual insurance payment.

The most important part of this process is to make sure you're comparing identical deductibles and limits on each quote request and and to analyze all possible companies. Doing this guarantees a level playing field and the best price selection.

Raleigh, NC Car Insurance Company Rankings
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
Mercury Insurance 97 96 88 89% A+ 93.4
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
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Violations and accidents raise rates

The diagram below demonstrates how speeding tickets and at-fault fender-benders increase insurance premiums for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

Whether or not you have cheap auto insurance coverage depends on a wide range of factors, but the average rate in Raleigh is right around $800 for an annual policy. The average for other states is about $1,220, so Raleigh drivers pay around $35 less each month than drivers in surrounding states.

Auto insurance rates in Raleigh are calculated based upon a lot of variables, and one of the primary price factors is the type of vehicle you own. The pricing data below shows the policy premium for popular vehicles insured in Raleigh.

Auto Insurance Rates for Popular Cars in Raleigh
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $676 $338 $56
Honda Accord EX-L 4-Dr Sedan $610 $305 $51
Honda Civic EX 2-Dr Coupe $818 $409 $68
Hyundai Elantra SE Touring Station Wagon $610 $305 $51
Hyundai Sonata GLS 4-Dr Sedan $704 $352 $59
Kia Optima EX $756 $378 $63
Nissan Altima 3.5 SR 4-Dr Sedan $712 $356 $59
Toyota Corolla LE $696 $348 $58
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in specific Raleigh garaging location which can revise rates noticeably.

Auto Insurance Rates for Popular Pickup Trucks in Raleigh
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $742 $371 $62
Chevrolet Silverado LT Extended Cab 2WD $704 $352 $59
Dodge Ram 2500 Mega Cab Laramie 4WD $822 $411 $69
Dodge Ram Crew Cab Laramie 4WD $808 $404 $67
Ford F-150 Lariat Crew Cab 4WD $676 $338 $56
Ford F-250 XL Super Cab 4WD $798 $399 $67
Ford F-350 Super Cab Harley Edition 4WD $898 $449 $75
GMC Sierra 3500HD SLE Crew Cab 4WD $850 $425 $71
GMC Sierra SL Crew Cab 4WD $712 $356 $59
Toyota Tundra Regular Cab 4WD $720 $360 $60
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in the specific area where the vehicle is garaged which can impact premiums significantly.

Insurance Rates for Popular SUVs and Crossovers in Raleigh
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX 4WD $692 $346 $58
Buick Enclave XL 2WD $712 $356 $59
Chevrolet Suburban LS 2WD $676 $338 $56
Chevrolet Traverse LS 2WD $574 $287 $48
Ford Escape XLT 4WD $574 $287 $48
Ford Explorer Eddie Bauer 4WD $676 $338 $56
GMC Acadia SL 2WD $610 $305 $51
Honda CR-V EX 4WD $574 $287 $48
Honda Pilot Touring 4WD $676 $338 $56
Hyundai Tucson Limited 2WD $660 $330 $55
Jeep Grand Cherokee Limited 4WD $712 $356 $59
Toyota Highlander Sport 4WD $676 $338 $56
Toyota RAV4 Sport 4WD $660 $330 $55
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in garaging location in Raleigh which can decrease or increase premium rates greatly.

Top 10 cheapest vehicles to insure in Raleigh, NC
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Kia Rondo
Mazda MX-5 Miata
Ford Escape
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Top 10 most expensive vehicles to insure in Raleigh, NC
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Mercedes-Benz CL600
Audi R8
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Porsche 911
Top 10 safest vehicles to insure in Raleigh, NC
Chevrolet Tahoe
Chrysler Town and Country
Ford F-150
Chevrolet Equinox
Infiniti QX56
Nissan Titan
Jeep Liberty
GMC Acadia
Chevrolet Silverado
Volvo XC60