North Carolina Farm Bureau and State Farm offer the cheapest car insurance quotes in Raleigh, according to our survey of the city’s top providers.
NC Farm Bureau charges $33 a month for minimum-coverage car insurance, the lowest average rate we found in the state. State Farm’s average rate of $63 a month for full-coverage car insurance is North Carolina’s cheapest, too.
Key findings:
- NC Farm Bureau has the cheapest car insurance rates in Raleigh for minimum coverage.
- State Farm has the city’s cheapest full-coverage car insurance rates.
- NC Farm Bureau is the cheapest car insurance company for Raleigh drivers with DUIs, accidents or speeding tickets on their records.
- State Farm offers the lowest car insurance rates for Raleigh teens.
- NC Farm Bureau and State Farm offer the lowest rates to seniors in Raleigh, depending on coverage amount.
State Farm and NC Farm Bureau aren’t the only companies that offer cheap car insurance to North Carolina drivers, though. Allied, Nationwide and Progressive are also affordable options, depending on your age, driving record and the amount of coverage you want.
In this article
Who has the cheapest car insurance quotes in Raleigh, North Carolina?
North Carolina Farm Bureau offers the cheapest auto insurance quotes to Raleigh drivers with its average premium of $33 a month for minimum coverage.
State Farm and Allied are also cheap sources of minimum-coverage policies, though, with average monthly premiums of $38 and $40, respectively. Both are lower than the city average of $44 a month.
| Company | Monthly rate |
|---|---|
| North Carolina Farm Bureau | $33 |
| State Farm | $38 |
| Allied | $40 |
| Progressive | $48 |
| GEICO | $49 |
| Nationwide | $50 |
| Erie | $50 |
| City average | $44 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A minimum-coverage policy satisfies state requirements for liability car insurance. Liability coverage helps pay for injuries and property damage you cause to others. It does not cover your own medical bills or car repairs.
State Farm has the cheapest car insurance quotes for Raleigh drivers who want full-coverage policies at $63 a month, on average.
Compare car insurance quotes with NC Farm Bureau while shopping for a policy here, though, as its average monthly premium is just one dollar more than State Farm’s at $64.
| Company | Monthly rate |
|---|---|
| State Farm | $63 |
| North Carolina Farm Bureau | $64 |
| Allied | $84 |
| Progressive | $88 |
| Erie | $88 |
| Nationwide | $90 |
| GEICO | $106 |
| City average | $83 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Don’t ignore Allied and Progressive, though; their average monthly rates for full-coverage car insurance are right around the Raleigh city average of $83.
Full-coverage car insurance usually includes collision and comprehensive coverages as well as liability. No state requires full-coverage insurance, but lenders and lessors often do. Even if that’s not the case, you should still get full coverage if your vehicle is new or expensive.
How much is car insurance in Raleigh, North Carolina, on average?
Car insurance in Raleigh costs $44 a month, on average, if you only want minimum coverage. That’s the same as the state average cost.
For full-coverage car insurance, the average cost for Raleigh drivers is $83 a month. This is just below the state average cost of $86 a month.
Cheapest car insurance in Raleigh by driving record
North Carolina Farm Bureau has the cheapest car insurance quotes for Raleigh drivers with a DUI, accident or speeding ticket on their record.
For drivers with a DUI, NC Farm Bureau charges $232 a month, on average, for a full-coverage car insurance policy. Nationwide and State Farm are worth considering as well, though, as their average rates for drivers with DUIs are only slightly higher than those of NC Farm Bureau. They’re also still lower than the city average of $309 for these Raleigh drivers.
| Company | Monthly rate |
|---|---|
| North Carolina Farm Bureau | $232 |
| Nationwide | $259 |
| State Farm | $265 |
| Allied | $331 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
NC Farm Bureau charges $83 a month to Raleigh drivers after an accident, the cheapest average rate in the city.
State Farm and Nationwide also offer cheap car insurance to these drivers, with average rates of $88 and $90 a month, respectively. The city average in this situation is $111 a month.
| Company | Monthly rate |
|---|---|
| North Carolina Farm Bureau | $83 |
| State Farm | $88 |
| Nationwide | $90 |
| Progressive | $119 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
NC Farm Bureau, State Farm and Nationwide are the cheapest car insurance companies in Raleigh for drivers with a speeding ticket on their records, too.
NC Farm Bureau’s average rate of $83 a month is the cheapest overall for these Raleigh drivers, but State Farm’s $88 and Nationwide’s $90 aren’t far behind. And all three are well below the city average of $107 a month.
| Company | Monthly rate |
|---|---|
| North Carolina Farm Bureau | $83 |
| State Farm | $88 |
| Nationwide | $90 |
| Allied | $113 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Drivers with incidents like DUIs and accidents usually pay higher rates for car insurance because insurers believe these drivers are likely to be involved in similar incidents, and file claims related to them, down the road.
To get your best deal on car insurance with an incident on your driving record, you have to compare quotes from several companies. Start with the top ones highlighted above and go from there.
Compare quotes from top car insurance companies
Where can I compare cheap car insurance in Raleigh for teen drivers?
Teen drivers in Raleigh can get the cheapest car insurance quotes from State Farm, which offers an average premium of $68 a month.
To make things interesting and get your best deal, compare quotes with NC Farm Bureau, too, which offers an average monthly premium of $73.
| Company | Monthly rate |
|---|---|
| State Farm | $68 |
| North Carolina Farm Bureau | $73 |
| Allied | $89 |
| GEICO | $104 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
You might notice teen drivers in Raleigh pay more than twice what an average, 35-year-old adult pays for minimum car insurance. This is because insurance companies consider teens a higher risk than older, more experienced drivers. Shopping around and comparing rates from multiple companies can help make up the difference, but only to an extent.
| Company | Monthly rate |
|---|---|
| State Farm | $113 |
| North Carolina Farm Bureau | $133 |
| Allied | $180 |
| Progressive | $186 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Raleigh teens pay about double what adults pay for full-coverage car insurance, too. To get the cheapest full-coverage rates in Raleigh, go to State Farm, which charges an average of $113 a month for such policies.
NC Farm Bureau is another option for affordable full-coverage auto insurance as a teen in this city, charging an average of $133 a month, so don’t ignore it.
Where can I compare cheap car insurance in Raleigh for senior drivers?
NC Farm Bureau and State Farm are the best car insurance companies in Raleigh for senior drivers who want cheap coverage.
NC Farm Bureau’s average monthly rate of $33 is the cheapest in Raleigh for seniors looking for minimum-coverage car insurance. State Farm is another affordable option for these drivers, offering an average monthly rate of $38. The city average here is $44 a month, so Allied and its $40 monthly rate are worth checking out, too.
| Company | Monthly rate |
|---|---|
| North Carolina Farm Bureau | $33 |
| State Farm | $38 |
| Allied | $40 |
| Progressive | $48 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm and NC Farm Bureau are neck and neck in terms of the cheapest full-coverage car insurance for Raleigh seniors. State Farm’s average monthly rate in this case is $63, while NC Farm Bureau’s is $64.
| Company | Monthly rate |
|---|---|
| State Farm | $63 |
| North Carolina Farm Bureau | $64 |
| Allied | $84 |
| Progressive | $88 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Allied’s average rate of $84 a month is quite a bit higher, but it’s right around the city average of $83, so be sure to give it a look while shopping for full-coverage insurance as a senior in Raleigh.
What are the car insurance requirements in Raleigh, North Carolina?
North Carolina law requires drivers in Raleigh (and elsewhere in the state) to have 30/60/25 car insurance at a minimum. This means they need policies with at least:
- $30,000 per person of bodily injury liability coverage
- $60,000 per accident of bodily injury liability coverage
- $25,000 per accident of property damage liability coverage
State law also requires all drivers to have these same amounts of uninsured and underinsured motorist coverage.
Frequently asked questions about car insurance in Raleigh, North Carolina
What is the cheapest place to get car insurance in Raleigh, NC?
North Carolina Farm Bureau and State Farm are the cheapest companies for car insurance in Raleigh, though which is cheapest for you will depend on several factors like the amount of coverage you want, your age, your driving record and more.
Adult drivers in Raleigh with clean driving records will find the cheapest car insurance from NC Farm Bureau at $33 a month for minimum coverage. Those same drivers will get the cheapest full-coverage car insurance from State Farm at $63 a month.
See the tables above for the cheapest car insurance rates for drivers with DUIs, accidents or speeding tickets on their records, or for teen or senior drivers.
Is car insurance expensive in North Carolina?
Car insurance is not expensive in North Carolina if you have a clean driving record. Even if you do have an incident on your record, car insurance in North Carolina is among the cheapest in the U.S. Only a handful of states have cheaper car insurance than North Carolina, with Maine, South Dakota, Vermont and Wyoming being among them.
How much auto insurance do I need in North Carolina?
You need to have at least 30/60/25 auto insurance to drive legally in North Dakota. This is considered state-minimum auto insurance. You can buy more, and buy other types of coverage (like collision and comprehensive) as well, but you only need these amounts of liability car insurance coverage.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Raleigh ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets North Carolina’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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