The average cost of full coverage car insurance in Raleigh is $1,099 a year. This comes in just $15 above North Carolina's already low average of $1,084. Neither of these numbers guarantee your rates, however. Individual rates vary from driver to driver and depend on a number of personal factors, like age, address, credit score, and past driving history.
The best way to find a deal on car insurance is to shop around and compare companies before you buy. Policygenius can show you options from top car insurance companies so you can be sure you’re making the right choice.
Cheapest car insurance companies in Raleigh, NC
All car insurance companies use the same factors to calculate your rates, but they can come up with very different final numbers, even for the same exact driver. That’s why it’s so important to shop around and find the company that will offer you the most coverage at the lowest rates.
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Cheapest car insurance rates by ZIP code in Raleigh, NC
Where you live in Raleigh can also play a major role in car insurance rates. Factors like crime rates, population density, and even frequency of traffic accidents or claims can affect your car insurance rates.
Choosing the right car insurance company in Raleigh, NC
Buying car insurance can seem complicated, but it doesn't have to be. It's important to consider the most important factors to you and compare all your options.
Cost: Different companies charge different rates for similar coverage, that's why it's important to compare quotes from multiple car insurance companies to find the best rate
Coverage: Make sure the company you choose offers the coverage you need. Remember, the higher you set your limits, the better protected you’ll be
Customer service: Do a little research on the insurance company itself. Read customer reviews and check claims satisfaction ratings to see how the companies stack up
Ready to start shopping? Policygenius can show you options from top car insurance companies so you can be sure you’re making the right choice.
Car insurance rates for drivers with driving violations in Raleigh, NC
How safely you drive will also have a big impact on car insurance rates. Drivers who have recent accidents and violations should expect to see higher insurance rates. Just how high those rates will be, however, will depend on the severity of the violations.
Driving without lights
Running a red light
Following too closely
Hit and run
Passing a school bus
Cheapest car insurance for drivers with bad credit in Raleigh, NC
If you have a lower credit score, then you should expect to pay higher insurance rates, which makes it all the more important for drivers with poor credit to shop around and compare rates before picking a policy.
Rates for drivers with bad credit
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Buying car insurance in Raleigh, NC
Drivers in Raleigh are required to abide by the North Carolina state minimum car insurance requirements. Every driver in North Carolina must carry at least the following amounts of coverage:
Bodily injury liability coverage per person: $30,000
Bodily injury liability coverage per accident: $60,000
Property damage liability coverage: $25,000
Uninsured/underinsured motorist coverage: Must match highest bodily injury liability minimum ($60,000 per accident)
Aside from the required state minimums, it's important to know that North Carolina is an at fault state. That means that, after an accident, the insurance company of the driver found responsible will have to pay for the other party’s medical bills and repair costs. That’s why it’s important to set high liability limits, to make sure you’re fully covered in case of an accident.
How to get cheap car insurance in Raleigh, NC
If your car insurance seems too expensive, then consider some of these tried-and-true tips for making sure you’re getting the most affordable coverage possible:
Ask about discounts live savings for good students or for going paperless
Bundle multiple policies with the same company
Reduce coverage on older cars
Drive safely and avoid moving violations
Reshop your car insurance every year to make sure you’re still getting the best rates