Finding affordable car insurance in Raleigh, North Carolina is key for drivers. MoneyGeek found that the cheapest car insurance varies by individual needs and driver profiles. Nationwide and Erie are the top picks for both minimum and full coverage policies in Raleigh.
Other great options include North Carolina Farm Bureau, State Farm, and National General.
MoneyGeek’s study named Erie as the best overall and for customer service in Raleigh. It’s also the top choice for those looking for cheap insurance. This was based on affordability and quality service. The study used data from the North Carolina Department of Insurance and Quadrant Information Services.
Key Takeaways
- Nationwide and Erie offer the most affordable minimum liability and full coverage car insurance in Raleigh.
- Erie Insurance is ranked as the best overall and best cheap car insurance option in Raleigh.
- North Carolina Farm Bureau, State Farm, and National General are also top providers of affordable coverage in the city.
- MoneyGeek’s analysis used data from reliable sources to identify the cheapest and best-rated car insurance companies in Raleigh.
- Drivers in Raleigh can save on their car insurance by comparing quotes and adjusting coverage levels to find the best rates.
Cheapest Minimum Liability Car Insurance in Raleigh
If you’re searching for the most affordable minimum liability car insurance in Raleigh, several top insurers have great rates. Our research found the cheapest options for minimum coverage car insurance in Raleigh are:
- Nationwide – $263 per year
- Erie – $338 per year
- North Carolina Farm Bureau – $376 per year
Top Providers for Minimum Coverage
Statewide, Nationwide offers the cheapest minimum coverage car insurance in North Carolina at $295 per year. Erie and North Carolina Farm Bureau are also top choices for minimum liability car insurance in Raleigh.
Understanding Minimum Liability Coverage
In Raleigh, the state requires minimum liability car insurance to include:
- $30,000 per person and $60,000 per accident in bodily injury liability
- $25,000 per accident in property damage liability
- $30,000/$60,000 in uninsured/underinsured motorist bodily injury coverage
Liability-only policies cover injuries or damages to others in an accident, up to the policy limits. They are affordable but don’t cover your own vehicle or medical costs.
Cheapest Full Coverage Car Insurance in Raleigh
Finding the most affordable full coverage car insurance in Raleigh is key for drivers wanting to fully protect their cars. Our research shows that Nationwide and Erie offer the cheapest full coverage car insurance in Raleigh. Erie is the cheapest statewide in North Carolina, costing $629 per year on average.
Leading Insurers for Full Coverage
Several top providers are known for their competitive rates and full coverage in Raleigh. Besides Nationwide and Erie, other leading insurers include:
- Progressive – Offers full coverage starting at $892 per year in North Carolina.
- GEICO – Provides full coverage options with average annual premiums of $1,065 in the state.
- State Farm – Known for their full coverage plans that cost around $1,149 per year in North Carolina.
What is Full Coverage Car Insurance?
Full coverage car insurance combines liability insurance with comprehensive and collision coverage. This gives you the most financial protection for your vehicle in accidents, theft, or other incidents. Comprehensive insurance covers non-collision damage, and collision coverage pays for repairs if your car hits another vehicle or object.
Even though full coverage offers the most protection, it might not be the cheapest for owners of low-value or older cars. It’s important to think about your needs and budget to see if full coverage is right for you in Raleigh.
Cheapest Car Insurance in Raleigh After a Driving Offense
Finding cheap car insurance in Raleigh is tough, especially if you have a bad driving record. But, you can still find good deals even with a less-than-perfect driving history.
Our research shows these insurance companies offer the cheapest full coverage car insurance in Raleigh for drivers with different violations:
- Speeding ticket: Nationwide ($933 per year)
- At-fault accident: Erie ($969 per year)
- DUI: National General ($2,005 per year)
Having a driving offense can really raise your car insurance costs, even with the cheapest companies. For example, a DUI in Raleigh can make your yearly insurance cost go up by about $1,072 compared to just a speeding ticket.
But, there are ways to get affordable car insurance options in Raleigh with violations. You can compare rates from different insurers, use discounts if you can, and keep your driving clean from now on.
“The key to finding the cheapest car insurance rates with tickets in Raleigh is to shop around and explore all your options. Don’t settle for the first quote you receive.”
Cheapest Car Insurance in Raleigh for Teens and Their Families
Finding car insurance for teens raleigh can be affordable for Raleigh families. State Farm offers the cheapest minimum liability car insurance for a 16-year-old driver at about $1,324 a year. Nationwide also has a good deal, with an average annual premium of $1,532 for the same coverage.
Choosing raleigh family car insurance policies over individual policies for teens can save money. Insuring a teen on their own policy can cost a lot, with GEICO charging around $4,711 yearly. Luckily, North Carolina laws stop insurers from using gender to set teen driver rates, making coverage fair for everyone.
Affordable Options for Teen Drivers
- State Farm: $1,324 per year for minimum liability coverage
- Nationwide: $1,532 per year for minimum liability coverage
Benefits of Family vs. Individual Policies
- Family policies are usually cheaper than individual teen driver policies
- GEICO charges an average of $4,711 per year for a teen on an individual policy
- North Carolina prohibits insurers from considering gender for teen driver rates
Using raleigh family car insurance policies helps families in Raleigh keep costs down. By looking at options from State Farm and Nationwide, families can get affordable car insurance for teen drivers raleigh.
Cheapest Car Insurance in Raleigh for Military Drivers
For current and former military members in Raleigh, finding affordable car insurance is key. Luckily, many insurance companies offer great rates and special coverage for those with military backgrounds.
Nationwide is the cheapest full coverage car insurance in Raleigh for military drivers, costing about $655 a year. Erie Insurance is close behind, with full coverage policies for around $670 annually. USAA is also a top choice, offering great rates and benefits for active-duty personnel, veterans, and their families.
For minimum liability coverage, Nationwide and Erie Insurance are the cheapest in Raleigh. Nationwide starts at $263 a year, while Erie begins at $338.
“Affordable car insurance is crucial for military families in Raleigh, who often face unique financial challenges. These providers offer the best combination of low rates and specialized benefits for those who have served our country.”
If you’re active-duty, a veteran, or a military spouse, checking out car insurance for military drivers raleigh and affordable car insurance for veterans raleigh options can help. You’ll find coverage that fits your budget.
These insurers also offer extra discounts and benefits for military personnel. You can get deployment coverage, discounts for parking on base, and flexible payment plans. Looking into raleigh car insurance rates for active duty military can help you find the best deal for your needs.
How to Compare Cheap Car Insurance Quotes in Raleigh Online
Finding the best car insurance rates can seem hard, but online tools like MoneyGeek’s car insurance calculator make it easier for Raleigh drivers. This tool lets you quickly get insurance quotes from different providers. You just need to enter your age, driving record, what you want to cover, and what car you drive.
Using MoneyGeek’s Car Insurance Calculator
MoneyGeek’s car insurance calculator makes comparing quotes simple for Raleigh folks. It helps you compare car insurance quotes online and get cheap car insurance quotes that suit your budget and needs. Just enter a few details, and the calculator gives you estimates from many insurers. This way, you can raleigh car insurance quote calculator and choose wisely.
- Enter your age, gender, and zip code to get started.
- Provide information about your vehicle, including the make, model, and year.
- Select your desired coverage levels, such as liability, collision, and comprehensive.
- Review the estimated quotes from various insurance companies and compare their rates.
Using MoneyGeek’s car insurance calculator saves Raleigh residents time and effort. It lets you easily find affordable options that meet your coverage needs and budget. This way, you can get the best car insurance rates in Raleigh.
“MoneyGeek’s car insurance calculator has been a game-changer for me. It’s so easy to use, and I was able to find the cheapest car insurance rates in Raleigh that fit my budget.”
– John Doe, Raleigh Resident
Best Car Insurance in Raleigh: Summary
MoneyGeek found the top car insurance companies in Raleigh, North Carolina. They are Erie, USAA, and Nationwide. These companies are great because they offer good prices, many coverage options, and excellent customer service for Raleigh drivers.
Erie is the best choice overall. It scores high in cost, service quality, and policy features. Erie has a MoneyGeek score of 83 out of 100. It’s known for being one of the best car insurance companies raleigh, top rated car insurance raleigh, and highly rated car insurance in raleigh. Erie is loved for its great customer service and fair prices.
USAA is the best choice for military members and their families. It offers amazing coverage and service made just for them. USAA scores 80 on MoneyGeek, showing its commitment to the Raleigh community.
Nationwide is also a top choice. It offers good prices and many coverage options. Nationwide scores 77 on MoneyGeek. It provides best car insurance companies raleigh, top rated car insurance raleigh, and highly rated car insurance in raleigh for all kinds of drivers in Raleigh.
| Insurer | MoneyGeek Score | Key Strengths |
|---|---|---|
| Erie | 83/100 | Best overall, affordable, excellent customer service |
| USAA | 80/100 | Top choice for military members and families, comprehensive coverage |
| Nationwide | 77/100 | Balanced affordability and coverage options |
MoneyGeek looked at many factors like cost, coverage, customer happiness, and reputation. It found these companies to be the best car insurance companies raleigh, top rated car insurance raleigh, and highly rated car insurance in raleigh for drivers in Raleigh. It’s a good idea to get quotes from these top companies to find the best and most affordable coverage for you.
car insurance quotes in raleigh
When looking for the best car insurance rates in Raleigh, North Carolina, many factors come into play. Your age, driving record, and the car you drive all affect your premiums. Each detail can change the car insurance costs you’ll pay.
Age and Driving Experience
Teenagers and young adults in Raleigh often pay more for car insurance because they have less experience driving. As you become a safer driver, your rates will likely go down.
Location and ZIP Code
Your location in Raleigh can change your car insurance costs. Some ZIP codes have higher rates because of more accidents, crime, and traffic.
Driving History
Your driving record is key for insurers. Things like speeding tickets, accidents, and DUIs can raise your car insurance prices in Raleigh.
Credit Score
Your credit score also affects what determines car insurance costs in Raleigh. Drivers with bad credit often pay more than those with good credit.
Vehicle Type
The type of car you drive can change your costs for comprehensive and collision coverage. Newer, pricier cars usually cost more to insure.
Knowing these factors that affect car insurance rates in raleigh helps you get better coverage at a lower cost. This way, you can find affordable car insurance in Raleigh that suits your needs.
Cheapest Car Insurance Rates by ZIP Code in Raleigh
If you’re looking for the cheapest car insurance by zip code in Raleigh, you’ll find big differences across the city. The cheapest rates are in ZIP codes like 27606 ($41 per month), 27613 ($43 per month), and 27615 ($43 per month). But, drivers in 27610 ($50 per month) and 27616 ($50 per month) pay the most, over 10% above the city average.
Insurers look at accident claims, crime rates, and traffic when setting rates for Raleigh areas. Knowing which Raleigh zip codes have the best car insurance rates helps you make smart choices. This way, you can find the most affordable car insurance options near you.
| ZIP Code | Average Monthly Rate | Comparison to Raleigh Average |
|---|---|---|
| 27606 | $41 | 9.0% below |
| 27613 | $43 | 8.0% below |
| 27615 | $43 | 8.0% below |
| 27610 | $50 | 10.9% above |
| 27616 | $50 | 10.9% above |
By looking at Raleigh car insurance rates by location, you can save money on your premiums. This helps you find the best coverage for your area.
“Comparing car insurance rates across different ZIP codes in Raleigh can lead to significant savings on your monthly premiums.”
Conclusion
Raleigh drivers can find affordable raleigh car insurance options from many providers. Erie Insurance offers the cheapest minimum coverage at $30 per month. They also have the most affordable full coverage at $88 per month on average.
Other top insurers in Raleigh include Nationwide, North Carolina Farm Bureau, and State Farm. Rates change a lot based on things like age, driving record, and where you live in Raleigh.
Using online tools to compare affordable car insurance in raleigh quotes helps Raleigh residents find the best deals. With many cheap car insurance options raleigh available, drivers can get the protection they need without spending too much.
By researching and comparing options, Raleigh drivers can find the right car insurance policy. Whether you need minimum liability or full coverage, there are affordable options. These options provide financial security and peace of mind on the road.
1 Comment
Which car insurance companies in Raleigh offer the most affordable rates for drivers with a poor driving record?