Cheapest Car Insurance Quotes in Raleigh

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Raleigh Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Raleigh

The car insurance rate in Raleigh is $840 for a six-month policy, which is $69 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in Raleigh can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Raleigh

$840

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in Raleigh

1st place: Nodak Mutual

At $440 for a six month policy, Nodak Mutual offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $486 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $628 for six months, making it the third cheapest auto insurance company in Raleigh.

Raleigh Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Raleigh, ND is Nodak Mutual, offering policies at just $440 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $486.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1341 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Raleigh drivers find the best deals.

Cheap Car Insurance Companies in Raleigh, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$440	$75
Nationwide	$486	$82
USAA	$628	$106
American Family	$744	$125
North Star	$751	$128
Progressive	$764	$129
State Farm	$881	$148
Auto-Owners	$984	$164
Nodak	$1004	$169
Allstate	$1231	$207
Farmers	$1341	$226

Key Takeaways

Way's key takeaways about car insurance in Raleigh

The auto insurance costs in Raleigh fall around $440 for six months.
The cheapest auto insurance company in Raleigh is North Star.
Teen drivers pay the highest rate in Raleigh at $918 per month.

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Cheapest Minimum Liability Car Insurance in Raleigh

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Raleigh are given below.

North Star provides the cheapest minimum car insurance coverage in Raleigh. Their Average 6 Month Premium is $149. Allstate is the most expensive at $518 for the same period.

Cheapest Liability Coverage in Raleigh, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$149	$25
North Star Mutual	$149	$25
USAA	$149	$25
Nationwide	$168	$28
Nodak Mutual	$168	$28
North Star Mutual Insurance	$168	$28
Auto-Owners Insurance Co	$181	$31
Nodak	$207	$35
Auto-Owners	$214	$36
Progressive	$220	$37
State Farm	$220	$37
American Family	$278	$47
Farmers	$498	$84
Allstate	$518	$87

Cheapest Full Coverage Car Insurance in Raleigh

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Raleigh is Nodak Mutual at $75 per month and $440 for six months.

Cheapest Full Coverage Car Insurance Quotes in Raleigh, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$440	$75
Nationwide	$486	$82
USAA	$628	$106
American Family	$744	$125
North Star	$751	$128
Progressive	$764	$129
State Farm	$881	$148
Auto-Owners	$984	$164
Nodak	$1004	$169
Allstate	$1231	$207
Farmers	$1341	$226

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Average Car Insurance in Raleigh by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Raleigh, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in Raleigh, North Dakota, may be increasing due to several external factors. North Dakota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Raleigh's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Raleigh

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Raleigh,ND

If you are planning to get a car insurance policy for your teenage dependent, North Star Mutual Insurance provides the cheapest car insurance in the Raleigh at $29 per month. At $5451 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star Mutual Insurance	$174	$29
Nodak Mutual	$181	$31
Nationwide	$201	$34
Auto-Owners Insurance Co	$227	$38
USAA	$777	$131
American Family	$1334	$225
Auto-Owners	$1366	$230
North Star	$1658	$276
Progressive	$2046	$344
State Farm	$2079	$350
Nodak	$2396	$408
Farmers	$5012	$844
Allstate	$5451	$918

Teen Car Insurance Rates in ND by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Raleigh, Nationwide is the cheapest car insurance provider. At $246 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Raleigh is State Farm, offering rates of around $3030 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$246	$41
Nodak Mutual	$382	$65
Progressive	$868	$146
American Family	$1049	$177
USAA	$1075	$179
Nodak	$1872	$318
Allstate	$1916	$319
Farmers	$2409	$410
Auto-Owners	$2927	$487
State Farm	$3030	$516

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Car Insurance Rates with An Accident in Raleigh

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Raleigh, ND, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Raleigh

The cheapest car insurance companies after an at-fault accident in Raleigh include Nationwide and Nodak Mutual, offering $168 and $220, respectively. Farmers is an expensive provider with an average six-month premium of $1813.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$168	$28
Nodak Mutual	$220	$37
Auto-Owners Insurance Co	$253	$43
North Star Mutual	$253	$43
North Star Mutual Insurance	$284	$48
USAA	$440	$74
American Family	$570	$96
Auto-Owners	$570	$96
State Farm	$705	$119
Progressive	$1062	$179
Nodak	$1094	$184
North Star	$1328	$226
Allstate	$1671	$281
Farmers	$1813	$305

Raleigh Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Raleigh ND. For example, the car insurance in Raleigh after a DUI increases to $906 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

Raleigh auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1127	$187
One Med/PIP claim	$1127	$192
Not-at-fault accident	$1146	$191
One comp claim	$1165	$198
Two Med/PIP claims	$1165	$194
Two comp claims	$1224	$208
Failure to show documents	$1231	$205
Driving with expired registration	$1256	$214
Failure to wear a seat belt	$1262	$210
Child safety restraint	$1269	$216
Driving without lights	$1269	$211
Cell phone violation	$1295	$220
Failure to yield	$1295	$216
Following too closely	$1295	$220
Illegal turn	$1295	$216
Texting while driving	$1295	$220
Driving too slowly	$1308	$218
Failure to stop at a red light	$1308	$222
Speeding in school zone	$1308	$218
Speeding 6 - 10 MPH over limit	$1321	$225
Wrong way/wrong lane	$1328	$221
Speeding 11 - 15 MPH over limit	$1334	$227
Speeding 16 - 20 MPH over limit	$1347	$225
Speeding 21 - 25 MPH over limit	$1347	$229
Improper passing	$1359	$227
Passing school bus	$1379	$234
In 65 MPH zone	$1385	$231
Operating a vehicle without permission	$1463	$249
At-fault accident - less than $1000	$1482	$247
Open container	$1535	$261
At-fault accident - $1000-$2000	$1548	$258
At-fault accident - greater than $2000	$1548	$263
Driving with a suspended license	$1832	$305
Refusal to submit to a chemical test	$1936	$329
Reckless driving	$1949	$325
DUI	$2033	$346
Racing	$2033	$339
Leaving scene of an accident/hit and run	$2085	$354

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Raleigh after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Raleigh.

The cheapest car insurance premiums in Raleigh are offered by Nodak Mutual at $259 for a six-month policy. However, it can be as expensive as $2189 with companies like Allstate.

Raleigh car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$259	$44
Grinnell Mutual	$291	$49
Nationwide	$311	$52
Progressive	$674	$113
American Family	$731	$123
USAA	$777	$131
State Farm	$907	$153
Nodak	$997	$168
Allied	$1288	$215
Auto-Owners	$1664	$283
Farmers	$1775	$299
Allstate	$2189	$368

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Raleigh are offered by Nationwide at $201. However, it can be as expensive as $2810 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Raleigh after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$201	$34
Nodak Mutual	$201	$34
Auto-Owners Insurance Co	$214	$36
American Family	$511	$86
State Farm	$511	$86
USAA	$602	$102
Progressive	$738	$124
Auto-Owners	$907	$154
Nodak	$984	$164
Farmers	$2784	$473
Allstate	$2810	$469

Car Insurance Price Trends in Raleigh, North Dakota

Car insurance rates in Raleigh have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Raleigh rose by $192 in December compared to $191 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Raleigh remained steady at $40 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Raleigh?

The car insurance in Raleigh is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Raleigh?

The cheapest car insurance in Raleigh is $75 per month for full coverage.

How much is car insurance in Raleigh for teenagers?

Car insurance for teenagers costs $174 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Raleigh?

The average cost of car insurance is $771 for a six-month policy. It will cost around $141 per month to insure your car in Raleigh.

Is car insurance expensive in Raleigh?

Car insurance can be expensive in Raleigh if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Raleigh can be affordable.

What is the best car insurance in Raleigh, ND?

The best car insurance company in Raleigh ND is Nodak Mutual, offering $440 for a six-month policy.