Can You Have Nc Car Insurance In One State And Register In Another

NC Subcontract Bureau offers the cheapest minimum-coverage car insurance rates in Raleigh, North.C. based on an analysis of thousands of quotes from North Carolina's largest insurers. A one-year minimum NC Subcontract Agency policy cost $372.

Geico had the best charge per unit for full-coverage policies at $887 per year, which was more than than $300 cheaper than the next-closest competitor.

Drivers in Raleigh, the state's majuscule and 2d-largest urban center, pay modestly more than the average North Carolinian for car insurance. Minimum coverage in Raleigh is $61 more per year, an increase of less than xiv%, while full coverage is iii% more annually, or a $41 increase.

The all-time route to affordable rates is comparison machine insurance quotes from multiple insurers. Companies calculate rates in their own ways and have different sets of discounts.

Cheapest car insurance companies in Raleigh
Cheapest total-coverage policies in Raleigh
Average machine insurance rates in the Raleigh metro expanse
Methodology

Cheapest auto insurance in Raleigh: NC Farm Agency

For the cheapest options for minimum liability coverage, Raleigh drivers can become to NC Farm Bureau for coverage, according to our analysis. Geico offered the second-best rates, followed by Erie.

The NC Subcontract Agency'due south rate of $31 per month was less than a dollar cheaper than Geico, which charged only $4 more per year. Erie and State Farm too charged lower rates than the city average.

This graph lists the cheapest car insurance rates in Raleigh.

Observe Inexpensive Auto Insurance Quotes in Raleigh

With only minimum liability coverage, an blow could exit you facing a considerable financial loss — despite the fact that minimum coverage satisfies legal requirements. Medical costs are regularly more expensive than state minimums, and damage to a vehicle can exist, every bit well.

Cheapest full-coverage motorcar insurance in Raleigh: Geico

Geico had far and abroad the best rates for full-coverage car insurance in Raleigh. Erie and NC Farm Bureau had the second- and third-best offerings, both notably cheaper than the city's average offerings.

Geico'south almanac rate of $887 was $302 less than its next-closest competitor. Erie's charge per unit was $one,189, NC Farm Bureau's was $one,212 and Progressive'south was $1,223. Geico's rate was 43% cheaper than the city average.

Rank	Company	Annual charge per unit
1	Geico	$887
2	Erie	$1,189
3	NC Farm Bureau	$1,212
4	Progressive	$1,223
5	State Subcontract	$1,273
half-dozen	Nationwide	$ane,985
7	Allstate	$iii,060

Full-coverage machine insurance gives your vehicle a greater degree of protection with collision and comprehensive coverages.

Collision coverage: Protects a driver's own vehicle from damage resulting from a crash, regardless of who was at fault. Also covers damage from collisions with objects or single-car accidents.
Comprehensive coverage: Protects a vehicle from damage caused past natural disasters, hail, theft or something other than a crash.

Cheapest automobile insurance for drivers with prior incidents

A speeding ticket, DUI or accident will enhance insurance rates in nigh every situation, and the increase is notable for Raleigh residents. That puts even more emphasis on comparing rates and shopping effectually to secure the all-time premiums for your desired coverage.

We've identified the cheapest insurers for drivers in Raleigh who take:

Been involved in an at-fault accident: Erie
Received 1 speeding ticket: NC Farm Bureau
Received one citation for DUI: NC Subcontract Bureau
A poor credit history: Progressive

Cheapest motorcar insurance in Raleigh afterward an accident: Erie

The everyman rate for Raleigh drivers with an at-fault accident was from Erie, which had an average annual premium of $1,249. That rate came in at less than those from both NC Farm Bureau ($i,943) and Progressive ($1,962).

Premiums went up an average of $870, or 58%, in Raleigh post-obit an accident. Erie's rate went up only $60 afterwards an accident. No other insurer raised rates past less than $548.

Rank	Company	Almanac rate
1	Erie	$1,249
2	NC Farm Bureau	$one,943
iii	Progressive	$1,962
4	State Farm	$2,159
v	Nationwide	$ii,532
half dozen	Geico	$2,775
vii	Allstate	$iv,011

Accidents raise rates more than 53% overall in North Carolina.

Cheapest car insurance for drivers with a speeding ticket: NC Farm Bureau

Raleigh'south top car insurance rate for drivers with a speeding ticket was from NC Farm Bureau. Progressive offered the second-lowest rate, followed by Erie, although the departure between the three was small.

A speeding ticket in Raleigh raised insurance rates, on average, by forty% ($587) overall.

The average charge per unit for Raleigh drivers with a speeding ticket was $ane,630 from NC Subcontract Bureau, merely a bit lower than Progressive'southward $1,645 and Erie'southward $1,681.

Rank	Company	Annual rate
i	NC Subcontract Bureau	$1,630
2	Progressive	$ane,645
3	Erie	$1,681
4	Geico	$1,725
five	Land Subcontract	$1,779
6	Nationwide	$ii,396
vii	Allstate	$iv,083

Cheapest car insurance for drivers with DUIs: NC Farm Bureau

Drivers in Raleigh with DUI violations will pay effectually four times as much — a full of $4,659 extra — for full-coverage car insurance compared to drivers with clean records. NC Farm Bureau had the metropolis's best rates at $4,761 annually. That charge per unit was $52 less than Progressive and $150 less than Geico.

NC Farm Bureau'southward rates bound by 293% for a driver with a DUI, an increment of $3,549. Allstate had a notably large increase, with annual rates ascent past $10,048.

Rank	Company	Annual rate
1	NC Subcontract Bureau	$4,761
ii	Progressive	$4,813
3	Geico	$4,911
4	Erie	$four,922
5	State Subcontract	$v,452
6	Nationwide	$v,471
seven	Allstate	$13,108

Cheapest car insurance for drivers with poor credit: Progressive

Poor credit will likely raise your insurance costs notably, though not as much equally a speeding ticket or accident. In Raleigh, the all-time rates for drivers with poor credit come from Progressive, which offered an boilerplate charge per unit of $one,223.

The Progressive rate was $46 less than that of Erie and $81 less than Geico. On boilerplate, poor credit adds $275 to the Raleigh toll of full coverage.

Rank	Company	Annual rate
1	Progressive	$1,223
2	Erie	$1,269
3	Geico	$1,302
4	NC Farm Bureau	$i,397
5	Nationwide	$ii,190
half-dozen	State Farm	$2,190
7	Allstate	$iii,183

Cheapest car insurance for young drivers: Geico

Geico offered the best rates for young drivers in Raleigh. The boilerplate rate for an 18-year-old was $2,216, which was $260 less than the side by side-lowest rate.

State Farm charged the second to the lowest degree at $2,476, while Erie charged $two,518. Younger drivers, on average, paid $3,516, an increment of 127% or $one,969 from their 30-yr-old counterparts.

Insurance companies consider younger drivers much riskier on the route, which raises their rates.

Rank	Company	Annual rate
1	Geico	$ii,216
ii	Country Farm	$2,476
three	Erie	$2,518
four	NC Farm Bureau	$2,520
v	Progressive	$2,546
6	Nationwide	$5,068
7	Allstate	$seven,269

Options for young drivers looking to cut their insurance costs include:

Looking for discounts: You should review your options and cheque with your insurer to meet if you qualify for a range of discounts, including good grade and rubber driving discounts, among others.
Joining a parent'southward machine insurance policy: This pick volition likely raise the price of the parent'due south policy, just it is drastically cheaper than maintaining separate policies.

Best motorcar insurance companies in Raleigh

The top companies for client satisfaction in North Carolina were Nationwide, State Farm and Allstate, co-ordinate to a survey conducted by ValuePenguin.

For more information about each insurer'due south customer service rating, visit our North Carolina car insurance guide.

Boilerplate car insurance costs in Raleigh, by neighborhood

Raleigh is at the middle of a fast-growing metro surface area of nearly 1.4 million people spread primarily across two counties. The city itself is just short of a half-meg people beyond 17 ZIP codes.

The cheapest Zippo code in Raleigh is 27607, which encompasses an area just west of downtown, including office of North Carolina Land University and Meredeth College. The most expensive ZIP code in the city is 27604, only northwest of downtown and encompassing a gear up of small neighborhoods.

Rates vary modestly, with merely $272 separating the cheapest and well-nigh expensive ZIP codes in Raleigh.

ZIP code	Average annual charge per unit
27601	$ane,677
27603	$1,583
27604	$ane,690
27605	$1,444
27606	$1,463
27607	$1,419
27608	$one,444
27609	$1,669
27610	$1,645
27612	$ane,478
27613	$1,482
27614	$1,515

Evidence All Rows

Auto theft statistics in Raleigh

Raleigh ranks seventh among the fifteen largest cities in Northward Carolina in cars stolen per 100,000 residents. There were 157 cars stolen per 100,000 inhabitants in 2019.

A full of 748 cars were stolen in 2019 in Raleigh. Apex had the lowest rates of automobile theft amid the 15 largest cities in the land.

Rank	City	Population	Car thefts	Thefts per 100,000
one	Apex	56,276	xvi	28
ii	Cary	172,525	77	45
3	Chapel Loma	61,457	36	59
4	Concord	96,138	99	103
5	Huntersville	58,512	65	111
6	Greenville	94,193	114	121
7	Raleigh	477,828	748	157
8	Fayetteville	209,614	385	184
9	Wilmington	124,750	258	207
10	Burlington	54,108	141	261
11	Durham	280,282	758	270
12	Greensboro	298,025	987	331

Bear witness All Rows

Motor vehicle theft data was pulled from the FBI 2019 North Carolina Offense Report.

Methodology

Quote data came from every ZIP code in Raleigh and included seven of North Carolina's largest insurers. The sample driver is a 30-year-old human with a 2015 Honda Civic EX and boilerplate credit. Rates are for a full-coverage policy, unless otherwise stated.

Insurance rate data came from Quadrant Information Services. Rates were publicly sourced from insurer filings and should exist used for comparative purposes only.

Source: FBI Due north Carolina Crime Report