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.
More: Best car insurance in North Carolina
Cheapest minimum coverage insurance in Raleigh
North Carolina requires drivers to have a state-mandated minimum of:
- $30,000 in bodily injury liability per person.
- $60,000 in bodily injury liability per accident.
- $25,000 in property damage liability.
- $30,000 in uninsured motorist per person.
- $60,000 in uninsured motorist per accident.
- $25,000 in uninsured motorist property damage coverage, or UMPD.
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 |
| $38 | $461 | Progressive | 42 | April 25, 2025 | Raleigh, NC | 27615 |
| $39 | $467 | National General | 34 | August 30, 2024 | Raleigh, NC | 27603 |
| $40 | $482 | Progressive | 38 | May 29, 2025 | Raleigh, NC | 27613 |
| $43 | $518 | Progressive | 26 | June 7, 2024 | Raleigh, NC | 27606 |
| $43 | $518 | Progressive | 28 | June 25, 2024 | Raleigh, NC | 27606 |
| $43 | $518 | Progressive | 25 | October 11, 2024 | Raleigh, NC | 27606 |
| $45 | $542 | Progressive | 31 | November 17, 2024 | Raleigh, NC | 27608 |
| $45 | $546 | Safeco | 59 | February 27, 2025 | Raleigh, NC | 27603 |
If you have a loan or lease on your vehicle, the lender will require
More: Get cheap car insurance in North Carolina
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 insurance and collision coverage, 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
|
|---|---|---|---|---|---|---|
| $39 | $467 | National General | 34 | August 30, 2024 | Raleigh, NC | 27603 |
| $43 | $518 | Progressive | 25 | October 11, 2024 | Raleigh, NC | 27606 |
| $46 | $557 | Progressive | 58 | January 12, 2025 | Raleigh, NC | 27613 |
| $47 | $560 | National General | 43 | February 20, 2025 | Raleigh, NC | 27613 |
| $47 | $560 | Progressive | 35 | June 29, 2024 | Raleigh, NC | 27603 |
| $48 | $572 | National General | 24 | April 22, 2025 | Raleigh, NC | 27606 |
| $48 | $576 | Progressive | 57 | August 31, 2024 | Raleigh, NC | 27606 |
| $50 | $600 | Progressive | 29 | March 30, 2025 | Raleigh, NC | 27607 |
| $51 | $616 | National General | 24 | January 7, 2025 | Raleigh, NC | 27612 |
| $53 | $634 | National General | 35 | March 9, 2025 | Raleigh, NC | 27606 |
More: Best car insurance companies
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
|
|---|---|---|---|---|---|---|---|
| $43 | $518 | Progressive | 28 | No | June 25, 2024 | Raleigh, NC | 27606 |
| $43 | $518 | Progressive | 26 | No | June 7, 2024 | Raleigh, NC | 27606 |
| $43 | $518 | Progressive | 25 | Yes | October 11, 2024 | Raleigh, NC | 27606 |
| $47 | $565 | Progressive | 29 | No | May 26, 2025 | Raleigh, NC | 27604 |
| $48 | $572 | National General | 24 | Yes | April 22, 2025 | Raleigh, NC | 27606 |
More: Get cheap car insurance the smart way, today
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 |
| $38 | $461 | Progressive | 42 | No | April 25, 2025 | Raleigh, NC | 27615 |
| $39 | $467 | National General | 34 | Yes | August 30, 2024 | Raleigh, NC | 27603 |
| $40 | $482 | Progressive | 38 | No | May 29, 2025 | Raleigh, NC | 27613 |
| $45 | $542 | Progressive | 31 | No | November 17, 2024 | Raleigh, NC | 27608 |
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 | No | April 4, 2025 | Raleigh, NC | 27617 |
| $45 | $546 | 59 | Safeco | No | February 27, 2025 | Raleigh, NC | 27603 |
| $46 | $557 | 58 | Progressive | Yes | January 12, 2025 | Raleigh, NC | 27613 |
| $48 | $576 | 57 | Progressive | Yes | August 31, 2024 | Raleigh, NC | 27606 |
| $49 | $586 | 83 | National General | No | January 23, 2025 | Raleigh, NC | 27612 |
More: Best car insurance for seniors
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 | No | Raleigh, NC | 27617 |
| $38 | $461 | 42 | Progressive | April 25, 2025 | No | Raleigh, NC | 27615 |
| $40 | $482 | 38 | Progressive | May 29, 2025 | No | Raleigh, NC | 27613 |
| $43 | $518 | 28 | Progressive | June 25, 2024 | No | Raleigh, NC | 27606 |
| $45 | $546 | 59 | Safeco | February 27, 2025 | No | Raleigh, NC | 27603 |
| $46 | $557 | 58 | Progressive | January 12, 2025 | Yes | Raleigh, NC | 27613 |
| $47 | $560 | 43 | National General | February 20, 2025 | Yes | Raleigh, NC | 27613 |
| $47 | $560 | 35 | Progressive | June 29, 2024 | Yes | Raleigh, NC | 27603 |
| $47 | $565 | 29 | Progressive | May 26, 2025 | No | Raleigh, NC | 27604 |
| $48 | $572 | 35 | Safeco | March 10, 2025 | No | Raleigh, NC | 27606 |
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 | $48 | $576 | Progressive | 23 | September 8, 2024 | Raleigh, NC | 27613 |
| <550 | $50 | $600 | Progressive | 30 | April 30, 2025 | Raleigh, NC | 27606 |
| <550 | $51 | $616 | Dairyland | 26 | February 22, 2024 | Raleigh, NC | 27615 |
| <550 | $56 | $676 | Dairyland | 35 | February 25, 2024 | Raleigh, NC | 27603 |
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 Injury | $48 | $576 | Progressive | 57 | Yes | August 31, 2024 | Raleigh, NC | 27606 |
| At Fault With Injury | $49 | $586 | National General | 24 | No | March 17, 2025 | Raleigh, NC | 27617 |
| At Fault With Injury | $49 | $586 | National General | 27 | No | March 11, 2025 | Raleigh, NC | 27613 |
| At Fault With Injury | $49 | $586 | National General | 83 | No | January 23, 2025 | Raleigh, NC | 27612 |
| At Fault With Injury | $50 | $596 | Dairyland | 29 | No | June 7, 2024 | Raleigh, NC | 27613 |
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 | $43 | $518 | Progressive | 26 | June 7, 2024 | Raleigh, NC | 27606 |
| Speeding over 15 | $43 | $518 | Progressive | 25 | October 11, 2024 | Raleigh, NC | 27606 |
| Speeding under 15 | $49 | $583 | Dairyland | 23 | October 29, 2024 | Raleigh, NC | 27607 |
| Speeding under 15 | $50 | $600 | Progressive | 29 | March 30, 2025 | Raleigh, NC | 27607 |
| Speeding over 15 | $51 | $614 | Progressive | 34 | April 12, 2025 | Raleigh, NC | 27612 |
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 | $114 | $1,364 | National General | 53 | September 15, 2024 | Raleigh, NC | 27610 |
| DUI | $131 | $1,576 | Progressive | 43 | December 17, 2024 | Raleigh, NC | 27604 |
| DUI | $132 | $1,584 | National General | 35 | September 14, 2024 | Raleigh, NC | 27612 |
| DUI | $144 | $1,733 | Progressive | 53 | September 8, 2024 | Raleigh, NC | 27610 |
More: What is a DUI?
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.
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.
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.
