Cheapest Car Insurance in Raleigh, NC

Written by Xuyun Zeng and 1 other
Updated Jan 4, 2025
Insurance price card

Cheapest Car Insurance in Raleigh, NC

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.

While Raleigh’s traffic scene doesn’t rival that of larger metropolitan areas, it’s still big enough to have the dreaded congestion from daily commutes — and the accidents that come along with it. As the Raleigh area’s population continues to grow each year and more drivers take to local roads and highways, your car insurance policy will become even more crucial.

We’ve gathered data from real Jerry customers in Raleigh to give you a sense of what pricing to expect, which companies may offer lower rates and how your age, driving history and coverage needs might impact your rate.

Cheapest minimum coverage insurance in Raleigh

North Carolina requires drivers to have a state-mandated minimum of:

  • $30,000 for bodily injury to one person and $60,000 for bodily injury to two or more people.
  • $25,000 for property damage.

Here are some quotes that Jerry customers in Raleigh have received for state minimum coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$36 $431 National General 38 March 24, 2025 Raleigh, NC 27607
$37 $440 Progressive 79 April 4, 2025 Raleigh, NC 27617
$41 $488 National General 56 September 1, 2024 Raleigh, NC 27607
$45 $546 Safeco 59 February 27, 2025 Raleigh, NC 27603
$46 $548 National General 26 October 22, 2024 Raleigh, NC 27612
$47 $563 Progressive 28 February 13, 2024 Raleigh, NC 27606
$48 $572 Safeco 35 March 10, 2025 Raleigh, NC 27606
$48 $572 National General 27 February 12, 2025 Raleigh, NC 27607
$48 $572 National General 24 April 22, 2025 Raleigh, NC 27606
$49 $584 Dairyland 25 April 7, 2024 Raleigh, NC 27606
Last Updated May 8, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

SIMPLIFY YOUR CAR INSURANCE IN MINUTES

Cheapest full coverage insurance in Raleigh

North Carolina is No. 9 on the list of the top 10 states with the most water-damaged cars with a count of more than 14,300, according to CARFAX. 

Full coverage combines comprehensive and collision coverages, which is particularly useful if you need protection from weather-related incidents that aren’t covered by liability insurance.

Here’s a look at some real quotes to Jerry customers in Raleigh for full coverage car insurance.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$37 $440 Progressive 79 April 4, 2025 Raleigh, NC 27617
$48 $572 National General 24 April 22, 2025 Raleigh, NC 27606
$51 $616 National General 24 January 7, 2025 Raleigh, NC 27612
$59 $708 National General 29 June 13, 2024 Raleigh, NC 27609
$61 $733 Progressive 29 August 2, 2024 Raleigh, NC 27610
$66 $787 National General 26 April 11, 2025 Raleigh, NC 27604
$66 $787 National General 53 December 16, 2024 Raleigh, NC 27610
$68 $815 Progressive 69 February 4, 2025 Raleigh, NC 27604
$81 $971 Progressive 42 April 25, 2025 Raleigh, NC 27615
$85 $1,021 National General 56 February 18, 2025 Raleigh, NC 27606
Last Updated May 8, 2025

Cheapest car insurance for young drivers in Raleigh (18-29 years old)

As in most cities, Raleigh drivers between 18 and 29 years old should expect to pay higher prices for an auto insurance. However, prices are likely to lower by the time you’re in your 20s.

Here’s what real Jerry customers from 18 to 29 years old in Raleigh have been quoted for car insurance.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$46 $548 National General 26 No October 22, 2024 Raleigh, NC 27612
$47 $563 Progressive 28 No February 13, 2024 Raleigh, NC 27606
$48 $572 National General 24 Yes April 22, 2025 Raleigh, NC 27606
$48 $572 National General 27 No February 12, 2025 Raleigh, NC 27607
$49 $584 Dairyland 25 No April 7, 2024 Raleigh, NC 27606
Last Updated May 8, 2025

Cheapest car insurance for mature drivers in Raleigh (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$36 $431 National General 38 No March 24, 2025 Raleigh, NC 27607
$48 $572 Safeco 35 No March 10, 2025 Raleigh, NC 27606
$49 $586 National General 49 No January 13, 2025 Raleigh, NC 27613
$50 $600 Progressive 30 No April 30, 2025 Raleigh, NC 27606
$51 $614 Progressive 34 No April 12, 2025 Raleigh, NC 27612
Last Updated May 8, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Age
Insurance Company
Has Full Coverage
Date of Policy
City, State
ZIP Code
$37 $440 79 Progressive Yes April 4, 2025 Raleigh, NC 27617
$41 $488 56 National General No September 1, 2024 Raleigh, NC 27607
$45 $546 59 Safeco No February 27, 2025 Raleigh, NC 27603
$64 $769 58 Progressive No July 28, 2024 Raleigh, NC 27609
$68 $815 69 Progressive Yes February 4, 2025 Raleigh, NC 27604
Last Updated May 8, 2025

Cheapest car insurance for drivers with clean records in Raleigh

A driver with no claims or no violations is more likely receive a lower premium than someone with a less-than-perfect driving record.

Here are quotes that drivers with spotless records in Raleigh have received through Jerry.

Monthly Quote
Annual Quote
Age
Insurance Company
Date of Policy
Has Full Coverage
City, State
ZIP Code
$37 $440 79 Progressive April 4, 2025 Yes Raleigh, NC 27617
$41 $488 56 National General September 1, 2024 No Raleigh, NC 27607
$45 $546 59 Safeco February 27, 2025 No Raleigh, NC 27603
$48 $572 35 Safeco March 10, 2025 No Raleigh, NC 27606
$48 $572 24 National General April 22, 2025 Yes Raleigh, NC 27606
$48 $572 27 National General February 12, 2025 No Raleigh, NC 27607
$49 $586 49 National General January 13, 2025 No Raleigh, NC 27613
$49 $586 24 National General December 12, 2024 No Raleigh, NC 27615
$50 $600 30 Progressive April 30, 2025 No Raleigh, NC 27606
$51 $616 24 National General January 7, 2025 Yes Raleigh, NC 27612
Last Updated May 8, 2025

Cheapest car insurance for drivers with low credit scores in Raleigh

A low credit score in Raleigh doesn’t mean you’re going to pay drastically more than someone with a great credit score, but it’s one of many factors insurers consider when providing a quote.

Jerry customers may pay a price comparable to others in their age group even if they have a credit score below 550 points.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $45 $546 Safeco 59 February 27, 2025 Raleigh, NC 27603
<550 $50 $600 Progressive 30 April 30, 2025 Raleigh, NC 27606
<550 $53 $642 Dairyland 41 December 16, 2023 Raleigh, NC 27615
<550 $56 $675 Progressive 54 April 16, 2025 Raleigh, NC 27603
<550 $56 $676 Dairyland 35 February 25, 2024 Raleigh, NC 27603
Last Updated May 8, 2025

Cheapest car insurance for drivers with at-fault accidents in Raleigh

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $46 $548 National General 26 No October 22, 2024 Raleigh, NC 27612
At Fault With Injury $49 $586 National General 27 No March 11, 2025 Raleigh, NC 27613
At Fault With Injury $49 $586 National General 24 No March 17, 2025 Raleigh, NC 27617
At Fault With Injury $53 $641 Progressive 37 No March 5, 2025 Raleigh, NC 27612
At Fault With No Injury $56 $675 Progressive 54 No April 16, 2025 Raleigh, NC 27603
Last Updated May 8, 2025

Cheapest car insurance for drivers with speeding ticket in Raleigh

Here are some of the most affordable insurance rates available for drivers in Raleigh who have a speeding ticket, according to actual quotes from Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $47 $563 Progressive 28 February 13, 2024 Raleigh, NC 27606
Speeding over 15 $51 $614 Progressive 34 April 12, 2025 Raleigh, NC 27612
Speeding under 15 $92 $1,105 Progressive 28 February 29, 2024 Raleigh, NC 27616
Speeding over 15 $135 $1,624 Dairyland 28 October 31, 2024 Raleigh, NC 27610
Speeding under 15 $154 $1,846 National General 34 January 2, 2025 Raleigh, NC 27615
Last Updated May 8, 2025

Cheapest car insurance for drivers with DUIs in Raleigh

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $112 $1,343 National General 32 August 4, 2024 Raleigh, NC 27605
DUI $131 $1,576 Progressive 43 December 17, 2024 Raleigh, NC 27604
DUI $152 $1,824 National General 33 January 17, 2025 Raleigh, NC 27612
DUI $181 $2,177 Dairyland 39 December 23, 2023 Raleigh, NC 27606
DUI $224 $2,683 Dairyland 30 March 10, 2025 Raleigh, NC 27616
Last Updated May 8, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.