Cheapest car insurance in Raleigh, North Carolina

North Carolina requires minimum liability coverage of 30/60/25, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Pulled directly from carrier rate filings for this city.

With 474,069 residents, Raleigh sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 69% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 22% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 ProgressiveFiled rate, credit/record adjusted $138.04
02 State FarmFiled rate, credit/record adjusted $148.75
03 NationwideFiled rate, credit/record adjusted $249.90
04 Penn National InsuranceFiled rate, credit/record adjusted $254.66
05 North Carolina Farm Bureau InsuranceFiled rate, credit/record adjusted $266.56
06 GEICOFiled rate, credit/record adjusted $280.84
07 AllstateFiled rate, credit/record adjusted $448.63
Rate explainer
Why is your best rate $138.04 and not $209.31?

Raleigh is priced against 7 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$5.26
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, One ticket (modeled) +$40.77
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.