Raleigh, North Carolina, is a bustling city with a strong economy and a growing population. For drivers in Raleigh, finding affordable car insurance is key. MoneyGeek says the cheapest options include Nationwide, Erie, and North Carolina Farm Bureau.
These companies offer basic coverage starting at about $263 a year from Nationwide and $338 from Erie. For full coverage, Nationwide and Erie are the cheapest, costing $655 and $670 a year respectively.
Drivers with speeding tickets, accidents, or DUIs can find cheap rates from National General, Erie, and Nationwide. Raleigh’s car insurance rates are 13% higher than the state average. But they are still 13% lower than the national average, making it a good market for car insurance.
Key Takeaways
- Nationwide and Erie offer the cheapest minimum and full coverage car insurance policies in Raleigh.
- Drivers with a record of speeding tickets, accidents, or DUI can find affordable rates from National General, Erie, and Nationwide.
- Raleigh’s car insurance rates are 13% higher than the state average but 13% lower than the national average.
- Erie Insurance is ranked as the best overall car insurance company in Raleigh, with top scores for service and affordability.
- Raleigh drivers can take advantage of various discounts and coverage options to find the most affordable car insurance to meet their needs.
Cheapest Minimum Liability Car Insurance in Raleigh
Looking for the cheapest cheapest minimum coverage car insurance Raleigh options? Two big names stand out. Nationwide offers it for as low as $263 a year. Erie Insurance gives you the same for $338 annually.
Nationwide’s prices in Raleigh are lower than the state average of $295 for minimum coverage. This makes them a great choice for drivers wanting affordable liability only auto insurance Raleigh. Remember, North Carolina requires drivers to have at least $30,000/$60,000 in bodily injury liability and $25,000 in property damage liability coverage.
| Insurance Provider | Minimum Liability Coverage Cost (Raleigh) |
|---|---|
| Nationwide | $263 per year |
| Erie | $338 per year |
By knowing the cheapest minimum coverage car insurance Raleigh options, drivers can make smart choices. They can find the most affordable liability only auto insurance Raleigh for their needs.
Cheapest Full Coverage Car Insurance in Raleigh
In Raleigh, North Carolina, Nationwide and Erie Insurance are the top picks for affordable comprehensive and collision car insurance. Nationwide offers full coverage for about $655 a year. Erie Insurance is a bit pricier at $670 annually.
Erie Insurance is the cheapest full coverage car insurance in North Carolina, with an average yearly cost of $629. But, the actual price can vary based on where you live in Raleigh. So, some drivers might pay more or less than the average for full coverage.
| Insurance Provider | Cheapest Full Coverage Car Insurance in Raleigh |
|---|---|
| Nationwide | $655 per year |
| Erie Insurance | $670 per year |
For affordable comprehensive and collision car insurance in Raleigh, these two companies are the best choices. They offer great protection for your vehicle at good prices.
Cheapest Car Insurance in Raleigh After a Driving Offense
Finding cheap car insurance in Raleigh is tough, especially for those with traffic violations or accidents. Yet, some insurers offer lower rates for high-risk drivers.
For drivers with a speeding ticket, Nationwide has the cheapest full coverage at $933 a year. If you’ve had an at-fault accident, Erie is the best choice, costing $969 annually for full coverage. And for those with a DUI, National General offers the lowest rate at $2,005 a year.
These insurers offer the cheapest options for cheap auto insurance Raleigh after speeding ticket, affordable car insurance Raleigh with accident, and low cost insurance Raleigh DUI. But, premiums will still be higher than for drivers with no accidents.
“Drivers with a history of traffic violations or at-fault accidents can still find affordable car insurance options in Raleigh, though their rates will be higher than those with clean records.”
Understanding what affects insurance costs and using discounts can help Raleigh drivers with bad driving records. They can find affordable car insurance Raleigh with accident and low cost insurance Raleigh DUI. It’s important to research and compare quotes from different insurers to find the best deal.
Affordable Car Insurance Raleigh NC
Raleigh is the vibrant capital of North Carolina, known for its strong economy, rich culture, and beautiful landscapes. It offers many budget-friendly auto insurance Raleigh options for its residents. These options are from low cost car insurance companies Raleigh.
The average cost of car insurance in Raleigh is about $45 a month or $544 a year for minimum coverage. This is 13% less than the national average. For full coverage, the average rate is $134 a month or $1,613 a year, which is 20% lower than the national average.
Erie and Nationwide offer the cheapest minimum coverage in Raleigh at $30 and $34 per month, respectively. For full coverage, Erie and Nationwide also have the lowest rates at $88 and $125 per month, respectively.
“New car insurance customers report savings of nearly $50 per month with State Farm in Raleigh, NC.”
State Farm has been offering budget-friendly auto insurance Raleigh for over 80 years. They have a network of experienced agents and various coverage options. This makes State Farm a top choice for many in Raleigh looking for low cost car insurance companies Raleigh.
Whether you need minimum liability or comprehensive coverage, Raleigh has many low cost car insurance companies Raleigh options. By researching and comparing quotes, you can find the budget-friendly auto insurance Raleigh that fits your lifestyle and budget.
Cheapest Car Insurance in Raleigh for Teens
Finding car insurance for teen drivers Raleigh on a budget can be tough. But, some companies offer cheaper options for young drivers. State Farm and Nationwide are two such providers with low cost insurance for young drivers Raleigh.
State Farm is the cheapest, costing about $1,324 a year for 16-year-old boys and girls. Nationwide is close behind at $1,532 annually. These prices are much lower than the average of $1,905 for adding a teen to a family policy.
To get affordable car insurance for teen drivers Raleigh, consider adding your teen to your family plan. This can save a lot of money. Some companies offer up to 66% off when a teen joins their parents’ policy.
“Helping young drivers find the right coverage at the best price is a top priority for us. We work closely with families to identify the most cost-effective solutions.”
– Samantha Garcia, ACF Insurance Services
Cheapest Car Insurance in Raleigh for Military Drivers
Raleigh’s cheapest car insurance for military families is with Nationwide and Erie. Nationwide costs $655 a year for full coverage. Erie costs $670 a year. USAA is great for those with a military background, offering extra discounts.
For basic coverage, Nationwide and Erie are the cheapest in Raleigh for military folks. They offer great deals for active duty or retired military. When looking for affordable car insurance for military Raleigh or low cost auto insurance for veterans Raleigh, these are your best bets.
“Nationwide and Erie consistently offer the most budget-friendly car insurance options for military members and veterans in Raleigh, North Carolina.”
Looking for full or minimum coverage? Nationwide and Erie are great for military drivers in Raleigh. They offer competitive prices and special discounts, making them top picks for this group.
Car Insurance Rates Based on Credit Score
In Raleigh, North Carolina, your credit score greatly affects your car insurance rates. If you have a poor credit score, you’ll likely pay more for insurance. But, there are still ways to find affordable options even with less-than-perfect credit.
Nationwide offers the cheapest minimum coverage for Raleigh drivers with bad credit, at $42 a month or $499 a year. This is just 3% more than the average for good credit scores. Erie Insurance and Farmers also have low-cost options for those with low credit scores in Raleigh.
| Insurance Provider | Average Annual Rates for Drivers with Poor Credit |
|---|---|
| Nationwide | $499 |
| Erie Insurance | $558 |
| Farmers | $581 |
Remember, car insurance rates by credit score Raleigh can change based on many things. This includes your driving record, age, where you live, and the coverage you pick. By comparing quotes from different insurers, you can find the best insurance premiums affected by credit Raleigh-friendly policy for your budget.
“Your credit score is a big factor in how insurance companies set your rates. It’s key to know how this affects your car insurance costs in Raleigh.”
Car Insurance Rates After Speeding Ticket or Accident
Getting a speeding ticket or causing an accident can really hike up your car insurance costs in Raleigh, North Carolina. A speeding ticket might increase your rates by about 70%. An at-fault accident could push them up by a whopping 96%. But, some insurers offer cheaper options for drivers with these issues.
If you’ve gotten a speeding ticket, the cheapest full coverage car insurance in Raleigh is with Erie, costing around $47 a month. For those with an at-fault accident, Erie and North Carolina Farm Bureau usually have the best deals, also about $47 a month.
Remember, the car insurance cost increase after speeding ticket Raleigh and insurance rates go up after accident Raleigh can change based on your driving history, credit score, and the insurer you pick. It’s smart to shop around and compare quotes to find the most affordable car insurance in Raleigh after a driving offense.
| Offense | Average Rate Increase | Cheapest Insurers | Approximate Monthly Cost |
|---|---|---|---|
| Speeding Ticket | 70% | Erie | $47 |
| At-Fault Accident | 96% | Erie, North Carolina Farm Bureau | $47 |
“Shopping around and comparing quotes is the best way to find the most affordable car insurance in Raleigh after a driving offense.”
Car Insurance Rates After DUI
A DUI conviction can greatly increase car insurance costs in Raleigh, North Carolina. Drivers with a DUI can pay about 337% more for insurance than those with no DUIs. This is based on industry data.
For those looking for affordable insurance after a DUI, National General offers good rates at around $61 a month or $733 a year. Erie and Nationwide also have lower prices at $124 and $131 per month, respectively. But remember, insurance will still cost more with a DUI, even with these options.
| Insurance Provider | Average Monthly Rate (Full Coverage) | Average Annual Rate (Full Coverage) |
|---|---|---|
| National General | $61 | $733 |
| Erie | $124 | $1,488 |
| Nationwide | $131 | $1,572 |
The effect of a DUI on insurance rates also depends on your age, driving history, vehicle type, and credit score. Drivers with a DUI might need SR-22 insurance, which is a state-required liability coverage. This can make insurance even more expensive.
If you’ve been charged with a DUI in Raleigh, talk to an experienced DWI defense lawyer. They can help lessen the financial hit from a DUI. A legal expert can guide you on how to reduce your insurance costs.
Raleigh Car Insurance by ZIP Code
Location is key when looking at car insurance rates in Raleigh, North Carolina. Rates can change by up to 10.9% based on the ZIP code. The cheapest rates are in the 27606 ZIP code at just $41 per month. On the other end, 27610 and 27616 have the highest rates at $50 per month.
Other cheap options include 27613 and 27615, both at $43 per month. These rates are lower than the city average of $83 per month. The price differences come from things like claims history, crime rates, and traffic.
| Raleigh ZIP Code | Average Monthly Car Insurance Rate |
|---|---|
| 27606 | $41 |
| 27613 | $43 |
| 27615 | $43 |
| 27610 | $50 |
| 27616 | $50 |
Knowing about car insurance rates by zip code Raleigh and cheapest auto insurance by location Raleigh helps drivers make better choices. They can find the most affordable coverage for their needs.
Conclusion
Raleigh drivers have many options for affordable car insurance. Nationwide, Erie, and North Carolina Farm Bureau offer the cheapest policies. Even those with tickets, accidents, or DUIs can find lower-cost insurance from National General, but it’s more expensive for those with a bad driving record.
Comparing quotes helps Raleigh residents find the best rates. Factors like credit, age, and location affect premiums. The average cost in Raleigh is $1,321 a year, which is lower than the state and national averages. This means drivers can find affordable policies that suit their needs.
Raleigh has a competitive car insurance market with many cost-effective choices. By doing their homework, drivers can get the coverage they need without breaking the bank.
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Raleigh drivers have many options for affordable car insurance. Nationwide, Erie, and North Carolina Farm Bureau offer the cheapest policies. Even those with tickets, accidents, or DUIs can find lower-cost insurance from National General, but it’s more expensive for those with a bad driving record.