Car Insurance Quotes Raleigh nc
Car Insurance Quotes Raleigh nc
Car insurance is a major requirement for car owners, serving as a financial safety net against accidents and liabilities. In Raleigh, North Carolina, the average cost of car insurance is approximately $580 for a six-month policy, which translates to about $97 per month. Insurance providers such as the North Carolina Farm Bureau offer the most affordable options at $435 for a six-month policy. Average Car Insurance Costs in Raleigh
Driving without insurance in North Carolina brings severe repercussions. First-time offenders face a civil penalty of $50 alongside a $60 reinstatement fee. Subsequent offences result in escalated fines, with a second offence incurring a $150 civil penalty and a third triggering a $200 fine, compounded by the reinstatement fee. Though monetary fines are significant, the risk of jail time or probation lasting between one and forty-five days combined with a 30-day registration suspension until proof of insurance is provided emphasizes the state’s strict stance against uninsured driving.
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How Much Does Car Insurance Cost in Raleigh?
The average cost of car insurance in Raleigh is about $580 for a six-month policy, or $97 a month. With premiums as low as $435 for a six-month policy, North Carolina Farm Bureau is the most reasonably priced car insurance company in Raleigh, according to our 2025 data. North Carolina drivers spend, on average, $574 every six months on car insurance. Raleigh’s average rate is competitive compared to the $880 national average.
What Are the Penalties for Driving Without Insurance in Raleigh?
In North Carolina, it is not advisable to drive without car insurance.
A $50 civil penalty and a $60 license reinstatement fee will be imposed for a first offence. Any third or subsequent offence will result in a $200 civil penalty and a $60 license reinstatement charge, while a second offence will result in a higher civil penalty of $150 and a $60 license reinstatement cost.
For consecutive violations, you can be put on jail or probation for one to forty-five days. Each infraction will also result in a 30-day registration suspension until evidence of insurance is filed.
The cheapest car insurance companies in Raleigh
You can get the best car insurance services at an affordable cost in Raleigh. here are the best companies to consider.
- North Carolina Farm Bureau
At $73 a month, or $435 for a six-month policy, North Carolina Farm Bureau is the most less expensive coverage.
- State Farm
State Farm comes in second with monthly car insurance for as low as $77 ($464 for six months).
- Erie
A policy from Erie in Raleigh costs $503 per six-month policy, which still comes in at under $100 per month.
Raleigh car Insurance Rates by Violation
Check out the table below to see exactly how much a violation could cost you in Raleigh.
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
One Med/PIP claim……………………………… $580……………………………………0%…………………………..$0
None…………………………………………………….$580……………………………………0%………………………….$0
Not-at-fault accident………………………………$591……………………………………2%………………………….$11
One comp claim…………………………………….$602……………………………………4%………………………….$23
Two Med/PIP claims……………………………..$602…………………………………….4%…………………………$23
Two comp claims……………………………………$622……………………………………7%…………………………$42
Failure to show documents…………………….$686…………………………………….18%………………………..$106
Driving without lights…………………………….$753…………………………………….30%………………………$174
Failure to wear a seat belt……………………….$753…………………………………….30%……………………….$174
Child safety restraint………………………………$753…………………………………….30%……………………….$174
Cell phone violation………………………………..$796……………………………………37%………………………..$216
Texting while driving………………………………$796……………………………………37%………………………..$216
Speeding 6 – 10 MPH over limit……………….$805…………………………………..39%………………………..$225
Driving with expired registration……………..$806…………………………………..39%………………………..$226
Discounts for Car Insurance in Raleigh, N.C.
With a clean claims history and safe driving practices like taking defensive driving courses, using autopay, or using paperless billing, drivers can qualify for discounts offered by each auto insurer. A multi-line discount can also be obtained by combining homeowners’ and motor insurance.
Among the discounts include, but are not restricted to:
- Safety features discount
- Good driver discount
- Anti-theft discount
- Good student discount
- Military Discount
- Loyalty discount
Factors Allowed in Raleigh Car Insurance Rates
In addition to deductibles and policy limits, the most important factors used in determining Raleigh car insurance rates include:
- Age
- Driving record
- Accident history
- Type of vehicle
- Zip code
- Credit score
staying informed about the varying aspects of car insurance can markedly alleviate financial burdens while enhancing road safety in the community. For additional information, visit here
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