Find Car Insurance in Raleigh, N.C.

What You Should Know About Car Insurance in Raleigh, NC

Raleigh is an established municipality that continues to grow exponentially due to its appeal to a wide variety of societal segments. From 2010 through 2020, the city has seen a minimum of a 15% increase in population at their decennial Census count. There are seven distinct neighborhoods ranging from the historic areas in East Raleigh to the northern part of town, where you can enjoy large retailers, parks, hundreds of restaurants, and entertainment.

The city is home to North Carolina State University, Wake Technical Community College, and numerous private institutions of higher learning. Major attractions include the North Carolina State Fair, which takes place for 11 days each October; Pullen Park, an amusement park established in 1887; North Carolina Museum of Natural Sciences and William B. Umstead State Park, which includes 22 miles of hiking and 13 miles of bike trails.

An international airport, loads of museums, and endless historical sites all add to the draw of this amazing city. Speak to an expert InsureOne agent to help you find the best auto insurance at the best price in North Carolina, and come check out everything Raleigh has to offer.

How Much Does Car Insurance Cost in Raleigh, North Carolina?

While your rate will depend on many different details related to you and your vehicle, the average cost of car insurance in North Carolina is $432 for minimum liability coverage and $1,446 for a full coverage policy. These numbers are much less than the national averages of $622 for minimum liability and $2,014 for full coverage.

What Does It Mean If North Carolina Is an At-Fault State?

North Carolina is an at-fault state. The difference between an at-fault and a no-fault state is that in an at-fault state, a driver who causes an accident is responsible for paying for all personal injury and property damages that result from the incident. In a no-fault state, regardless of who was negligent and caused the accident, each driver must turn to their own insurer for all personal injuries. However, even in a no-fault state, the responsible driver would still have to pay for property damages they cause.

Affordable Car Insurance Rates Comparison by Cities in North Carolina

A key factor insurance underwriters use to determine your coverage costs is where you live. As the chart below indicates, rates for Raleigh residents can be significantly different than for those who live in nearby municipalities.

City	Full Coverage Insurance	Liability Insurance Coverage
Raleigh	$105	$35
Apex	$95	$32
Cary	$98	$33
Durham	$96	$30
Knightdale	$119	$41

How Bundling Your Car and Homeowners Insurance Can Save You Money in Raleigh

Bundling is the insurance industry’s term for obtaining more than one type of policy from the same carrier. If you own a house and a car, you should definitely ask your InsureOne agent about bundling your home and auto insurance. First, dealing with a single vendor is easier when it comes to supplying your personal information, and it streamlines your bill management. Also, if you bundle these policies, your insurer will typically reward you with a significant rate reduction of up to 25% on both your car and homeowners coverage.

Bundling does not take any work on your part, so you really only gain by obtaining multiple policies from a single carrier. InsureOne agents provide white-glove service that includes doing the necessary shopping between carriers to compare rates individually and as a bundle. Based on your requirements, they will deliver a package of customized policies at the best prices in North Carolina.

What Types of Car Insurance Discounts Are Available in Raleigh?

Just about every carrier offers discounts that lower your insurance premiums, but they may vary from one carrier to the next. Here are some of the typical discounts that many insurers offer:

• Paperless billing discount
• Safety feature discount
• Paid-in-full discount
• Military discount
• Auto-pay discount

Notable Car Insurance Laws in Raleigh

While Raleigh does not have its own legislation that might affect your coverage, the following are some North Carolina laws that Raleigh residents must adhere to.

What Are the Mandatory Car Insurance Requirements in Raleigh?

Each state varies in the minimum levels of coverage they mandate. If you live in North Carolina and operate a vehicle, you must be covered by a policy that includes the following at a minimum:

• Liability coverage of $30,000 for bodily injury per person
• Liability coverage of $60,000 liability coverage for bodily injury per accident
• Liability coverage of $25,000 for property damage

Although uninsured motorist coverage is not required in North Carolina, it is a wise decision in any state to add this affordable protection.

What Is the Penalty for Driving Without Insurance in Raleigh?

Uninsured drivers can cause significant loss to others if they cannot pay out of pocket for damages they cause in an accident. The state does not take kindly to people who drive without coverage and imposes the following on North Carolina drivers who have a lapse of insurance:

• $50 for a first offense
• $100 for a second offense
• $150 for a third offense and afterward
• $50 restoration fee
• Possible revocation of vehicle registration
• Class 3 misdemeanor with potential jail time or probation

Do Raleigh-Specific Laws Play a Role in Determining Your Insurance Premiums?

Other than gender, age, and education level, North Carolina allows insurers operating in the state to use a multitude of details to help them decide how much to charge you for coverage. These are some examples of what underwriters will look at while determining your premiums:

• Driving experience: The more experience you have, the less you will pay because you are assumed to be a better driver.
• The cost of your vehicle: More expensive vehicles are more costly for insurers to replace and will cost you more to insure.
• Loss probability: Each vehicle type has its own theft and accident rates, which helps insurers determine the likelihood of having to replace your vehicle.
• Claims history: If you have filed claims in the past, your insurer may deem you more likely to file a claim in the future and might charge you more for coverage.
• Mileage: The more you drive your car, the more likely you are to get into an accident, and the more your insurer will charge you.

Typical Driving Conditions in Raleigh

Although Raleigh has an excellent highway system, the city’s continued population growth has had an effect on the roads. As a popular municipality with a strong economy, roads get congested during the morning and afternoon rush hour and lunch break. Over 40,000 students attend local colleges and universities, further contributing to the congestion. The city gets more rain than the U.S. average and the occasional tropical storm, which could cause visibility issues and poor road conditions.

How Many Car Accidents Happen in Raleigh Per Year?

The North Carolina Department of Transportation keeps meticulous records of car accidents by city. The following are statistics for Raleigh and some of the cities in its proximity:

City	Total Crashes
Raleigh	67,782
Apex	4484
Cary	11,036
Durham	37,109
Knightdale	2,390

How Many Uninsured/Underinsured Motorists Are in Raleigh?

According to the Insurance Information Institute, 10.3% of North Carolina drivers were uninsured in 2022. Though the city requires you to obtain a nominal amount of uninsured/underinsured motorist coverage, you may want to consider obtaining more than the minimum for this coverage due to the number of drivers who do not have an adequate policy.