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:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $50,000 in property damage liability.
- $50,000 in uninsured and underinsured motorist bodily injury coverage per person.
- $100,000 in uninsured and underinsured motorist bodily injury coverage per accident.
- $50,000 in uninsured motorist property damage coverage per person.
Here are some quotes that Jerry customers in Raleigh have received for state minimum coverage.
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $49 | $586 | 62 | 06/17/25 | 27606 | ||
| $51 | $613 | 41 | 06/19/25 | 27610 | ||
| $52 | $629 | 38 | 06/17/25 | 27613 | ||
| $53 | $639 | 38 | 06/15/25 | 27617 | ||
| $54 | $649 | 58 | 05/21/25 | 27616 | ||
| $57 | $678 | 40 | 06/18/25 | 27613 | ||
| $57 | $681 | 43 | 06/25/25 | 27613 | ||
| $60 | $715 | 38 | 06/14/25 | 27609 | ||
| $62 | $739 | 36 | 08/22/25 | 27615 | ||
| $63 | $756 | 38 | 06/15/25 | 27610 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $25 | $299 | 24 | No | 08/17/25 | 27607 | ||
| $40 | $481 | 23 | No | 09/27/25 | 27617 | ||
| $52 | $626 | 22 | No | 07/16/25 | 27606 | ||
| $52 | $626 | 21 | No | 08/16/25 | 27606 | ||
| $54 | $648 | 27 | No | 06/17/25 | 27603 | ||
| $57 | $678 | 40 | 06/18/25 | 27613 | |||
| $57 | $681 | 43 | 06/25/25 | 27613 | |||
| $60 | $715 | 38 | 06/14/25 | 27609 | |||
| $62 | $739 | 36 | 08/22/25 | 27615 | |||
| $63 | $756 | 38 | 06/15/25 | 27610 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $28 | $335 | 43 | No | 07/13/25 | 27610 | ||
| $31 | $375 | 45 | No | 10/05/25 | 27604 | ||
| $34 | $403 | 30 | No | 07/25/25 | 27616 | ||
| $34 | $407 | 37 | No | 10/12/25 | 27616 | ||
| $37 | $445 | 52 | No | 08/30/25 | 27606 | ||
| $57 | $678 | 40 | 06/18/25 | 27613 | |||
| $57 | $681 | 43 | 06/25/25 | 27613 | |||
| $60 | $715 | 38 | 06/14/25 | 27609 | |||
| $62 | $739 | 36 | 08/22/25 | 27615 | |||
| $63 | $756 | 38 | 06/15/25 | 27610 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Age
|
Insurance Company
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Age
|
Insurance Company
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $265 | 55 | No | 09/19/25 | 27606 | ||
| $23 | $273 | 59 | No | 10/25/25 | 27609 | ||
| $47 | $569 | 65 | No | 08/04/25 | 27610 | ||
| $48 | $581 | 55 | No | 08/12/25 | 27603 | ||
| $49 | $586 | 62 | Yes | 06/17/25 | 27606 | ||
| $57 | $678 | 40 | 06/18/25 | 27613 | |||
| $57 | $681 | 43 | 06/25/25 | 27613 | |||
| $60 | $715 | 38 | 06/14/25 | 27609 | |||
| $62 | $739 | 36 | 08/22/25 | 27615 | |||
| $63 | $756 | 38 | 06/15/25 | 27610 |
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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Age
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $265 | 55 | 09/19/25 | No | 27606 | ||
| $23 | $273 | 59 | 10/25/25 | No | 27609 | ||
| $25 | $299 | 24 | 08/17/25 | No | 27607 | ||
| $31 | $372 | 54 | 11/04/25 | No | 27613 | ||
| $33 | $391 | 38 | 06/15/25 | No | 27617 | ||
| $36 | $437 | 46 | 06/27/25 | No | 27606 | ||
| $37 | $445 | 52 | 08/30/25 | No | 27606 | ||
| $38 | $454 | 38 | 06/15/25 | No | 27604 | ||
| $39 | $474 | 43 | 09/20/25 | No | 27604 | ||
| $40 | $481 | 23 | 09/27/25 | No | 27617 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $78 | $932 | 29 | 08/15/25 | 27616 | ||
| <550 | $81 | $973 | 27 | 09/03/25 | 27609 | ||
| <550 | $113 | $1,360 | 34 | 07/04/25 | 27616 | ||
| <550 | $121 | $1,455 | 32 | 05/28/25 | 27610 | ||
| <550 | $134 | $1,602 | 26 | 03/05/25 | 27601 | ||
| $36 | $437 | 46 | 27606 | ||||
| $37 | $445 | 52 | 27606 | ||||
| $38 | $454 | 38 | 27604 | ||||
| $39 | $474 | 43 | 27604 | ||||
| $40 | $481 | 23 | 27617 |
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 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 | $47 | $568 | 40 | No | 04/06/25 | 27610 | ||
| At Fault With Injury | $61 | $734 | 36 | No | 07/11/25 | 27606 | ||
| At Fault With No Injury | $63 | $753 | 53 | No | 07/18/25 | 27603 | ||
| At Fault With Injury | $64 | $765 | 36 | No | 05/22/25 | 27616 | ||
| At Fault With Injury | $66 | $787 | 29 | No | 12/05/24 | 27616 | ||
| $36 | $437 | 46 | No | 27606 | ||||
| $37 | $445 | 52 | No | 27606 | ||||
| $38 | $454 | 38 | No | 27604 | ||||
| $39 | $474 | 43 | No | 27604 | ||||
| $40 | $481 | 23 | No | 27617 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $52 | $626 | 45 | 09/03/25 | 27606 | ||
| Speeding over 15 | $55 | $664 | 38 | 08/17/25 | 27606 | ||
| Speeding under 15 | $57 | $678 | 49 | 10/01/25 | 27606 | ||
| Speeding over 15 | $65 | $778 | 27 | 11/09/25 | 27601 | ||
| Speeding under 15 | $68 | $821 | 53 | 10/02/25 | 27603 | ||
| $36 | $437 | 46 | 06/27/25 | 27606 | |||
| $37 | $445 | 52 | 08/30/25 | 27606 | |||
| $38 | $454 | 38 | 06/15/25 | 27604 | |||
| $39 | $474 | 43 | 09/20/25 | 27604 | |||
| $40 | $481 | 23 | 09/27/25 | 27617 |
Cheapest car insurance for drivers with DUIs in Raleigh
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $69 | $834 | 32 | 10/21/25 | 27603 | ||
| DUI | $72 | $862 | 35 | 09/26/25 | 27603 | ||
| DUI | $81 | $977 | 44 | 08/28/25 | 27617 | ||
| DUI | $83 | $996 | 56 | 10/17/25 | 27610 | ||
| DUI | $95 | $1,141 | 53 | 10/14/25 | 27601 | ||
| $36 | $437 | 46 | 06/27/25 | 27606 | |||
| $37 | $445 | 52 | 08/30/25 | 27606 | |||
| $38 | $454 | 38 | 06/15/25 | 27604 | |||
| $39 | $474 | 43 | 09/20/25 | 27604 | |||
| $40 | $481 | 23 | 09/27/25 | 27617 |
More: What is a DUI?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
