Cheapest Auto Insurance in Cary, North Carolina (2024)
Erie offers the cheapest car insurance in Cary, with minimum-coverage policies as low as $40 per month.
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Written byAlani Asis
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3 years of content writing
Bylines with leading financial publications
Alani is a freelance writer specializing in personal finance. She aims to make complex topics more approachable through fun, digestible content.
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Edited byDanny Smith
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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 21, 2024
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Table of contents
Drivers in Cary can expect to pay an average of $73 per month for car insurance. The city’s rates are barely lower than North Carolina’s monthly average of $75 but much cheaper than the national average of $154 per month.
Cary is home to nearly 180,000 people — about 62% less than Raleigh, the capital of North Carolina.[1] Cary’s comparatively smaller population is likely why drivers in this city may pay lower rates than drivers in surrounding areas.
Even with that in mind, it’s important to compare car insurance quotes from multiple insurance companies before buying a policy.
Quick Facts
Erie, Nationwide, and GEICO are the cheapest car insurance companies for Cary residents.
North Carolina is an at-fault state for car insurance.
Insurers in North Carolina can use your credit history when determining your rates.
Cheapest car insurance companies in Cary
The best car insurance companies will depend on your situation and unique needs. But if you’re looking for reputable and affordable insurers in Cary, you can start with these companies. Insurify bases these rates on state-level premium data.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| Nationwide | 8.7 | $64 | $41 | People with a poor driving record |
| State Farm | 9.3 | $105 | $67 | Teens and young drivers |
| USAA | 9.4 | N/A | N/A | Military members, veterans, and their families |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for people with a poor driving record: Nationwide
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $62/mo |
4.4
Best choiceBased on 782 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (441)
Richard
November 7, 2024
Verified Review
Excellent Company
Nationwide appears to be an excellent company. I have recommended this company to several of my friends. My daughter and her husband have also taken out policies and are very satisfied with this company. Thank you.
Irene
November 4, 2024
Verified Review
Sorry to be leaving you, Nationwide.
I used Nationwide for 32 years. I understand that insurance prices are going up, however, due to my limited income, I can no longer afford to stay with Nationwide.
Sara
November 1, 2024
Verified Review
Very Good!
The customer service is very good. They explain things well and make it easy to understand.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
A moving violation can cause your rates to increase significantly. Drivers with blemishes on their record should check out Nationwide. It offers affordable insurance coverage for people with past incidents and has good customer service.
Pros
Pay-per-mile coverage available
Accident forgiveness available
Cons
More affordable options for North Carolinians with a clean driving record
Car replacement coverage not available
Best insurer for teens and young drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Car insurance for teens and young drivers can be very costly. State Farm can help lower costs through various saving opportunities, including its good student discount and Steer Clear program.
Pros
More than a century of experience in the insurance industry
Above-average J.D. Power claim satisfaction rating
Cons
Limited discount and coverage options
Gap insurance not available
Best insurer for military members, veterans, and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The state of North Carolina is home to nearly 290,000 military-affiliated members across 14 different installations. USAA is known for its excellent customer service, competitive rates, and benefits tailored to military members’ needs.
Pros
Above-average J.D. Power rating for claims satisfaction
Savings of 30% possible via SafePilot program
Cons
No 24/7 customer service
Only available to active-duty military, veterans, and their immediate family members
How to get the cheapest car insurance in Cary
Your age, location, and driving record are a few factors that influence your car insurance costs. If your premiums are high, you have a few ways to save money on your insurance bill:
Shop around. Comparison shopping is one of the best ways to find the lowest rates for your needed coverages. The Insurance Information Institute recommends comparing quotes from at least three insurance companies.
Drive safely. Safe driving lowers the likelihood of speeding tickets and at-fault accidents. Drivers with clean driving records typically see better rates on their auto policy.
Seek discounts. Insurance discounts exist for virtually everyone. It’s a good idea to check your insurer’s website or talk to an insurance agent to see which savings you qualify for.
Bundle policies. Insurance companies offer discounts for buying multiple insurance products from them. For example, you can bundle your auto, life, and homeowners insurance policies to lower your overall rate.
Increase your deductible. You’ll have to pay a deductible before your insurer disburses your claim. Choosing a higher deductible leads to lower premiums.
Find Cheap Car Insurance in Cary, NC
Liability rates start at $40 per month
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Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Cary: Erie
If you’re at fault in an accident, your liability-only car insurance policy will pay for the other person’s medical expenses and vehicle repairs. However, it won’t cover your own injuries and vehicle damages — you’ll need full-coverage car insurance for that.
The cheapest insurer for liability-only car insurance in Cary is Erie, with premiums that start at $40 per month.
The table below shows more cheap car insurance companies for liability-only insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Erie | $40 |
| Nationwide | $40 |
| GEICO | $46 |
| Travelers | $51 |
| Dairyland | $53 |
| Direct Auto | $54 |
| Safeco | $54 |
| Allstate | $55 |
| Progressive | $55 |
| Liberty Mutual | $57 |
| National General | $61 |
| State Farm | $65 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cary: Erie
While your liability-only policy protects the non-at-fault driver, your full-coverage car insurance policy covers you.
Consider getting a full-coverage insurance policy if you drive frequently, drive in a high-risk area, or own a high-value or new car. Liability-only coverage may be enough if you drive an inexpensive car infrequently.
The average cost of a full-coverage policy in Cary is $97. Below is a list of the most affordable car insurance companies for full-coverage insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Erie | $62 |
| Nationwide | $62 |
| GEICO | $71 |
| Travelers | $79 |
| Allstate | $86 |
| Progressive | $87 |
| Direct Auto | $96 |
| State Farm | $102 |
| Safeco | $106 |
| National General | $107 |
| Liberty Mutual | $178 |
| Dairyland | $257 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Cary, North Carolina
Drivers in and around Cary, North Carolina have found policies from Safeco, Dairyland, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Cary, North Carolina within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cary, North Carolina within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
North Carolina is a tort state. This means if you cause an accident, your liability insurance will kick in to pay for the other party’s damages and medical expenses. You must carry the minimum required liability insurance in North Carolina, as illustrated in the table below:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
Car insurance can save you from paying thousands of dollars in out-of-pocket medical expenses and vehicle repairs.
Consider these coverages for additional protection on the road:
Collision coverage
If you’re in a car crash, collision coverage will pay for your vehicle repairs.
Comprehensive coverage
Comprehensive coverage will pay for repairs if your vehicle sustains damages from non-collision incidents like theft or natural disasters.
Personal injury protection (PIP) coverage
PIP coverage pays for you and your passengers’ medical expenses after a car accident, regardless of fault.
Uninsured/underinsured motorist coverage
If someone else causes the car accident but doesn’t have enough insurance to pay for your vehicle repairs or medical expenses, uninsured/underinsured motorist insurance will cover the difference.
Cheapest car insurance for drivers with an incident
Driving incidents like speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations can make your insurance policy more expensive.[3]
For instance, North Carolina drivers with an at-fault accident see rates roughly 40% higher than people with a clean record. Fortunately, high-risk drivers have options for affordable car insurance.
Shop for Car Insurance in Cary, NC
Monthly rates start at $53 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Nationwide
A speeding ticket indicates you’ve engaged in risky driving. To offset the risk, insurance companies may increase your rates.
The average monthly cost of car insurance for Cary drivers with a speeding ticket is $151 for full coverage and $76 for liability only. But drivers with speeding tickets on their record can find car insurance as cheap as $55.
The following table displays the most budget-friendly car insurance options tailored for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Erie | $40 | $56 |
| Nationwide | $40 | $55 |
| GEICO | $46 | $63 |
| Travelers | $51 | $71 |
| Dairyland | $53 | $73 |
| Direct Auto | $54 | $74 |
| Safeco | $54 | $75 |
| Allstate | $55 | $76 |
| Progressive | $55 | $75 |
| Liberty Mutual | $57 | $84 |
| National General | $61 | $84 |
| State Farm | $65 | $88 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Erie
An at-fault accident shows insurance companies that you have a higher likelihood of causing a future accident. As a result, your insurance policy may be more expensive.
Drivers with at-fault accidents on their record can find car insurance as cheap as $59. On average, though, they pay monthly rates of $159 for full coverage and $80 for liability-only insurance in Cary.
Below are the most affordable car insurance companies in Cary for drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Erie | $40 | $59 |
| Nationwide | $40 | $59 |
| GEICO | $46 | $67 |
| Travelers | $51 | $75 |
| Dairyland | $53 | $76 |
| Direct Auto | $54 | $80 |
| Safeco | $54 | $78 |
| Allstate | $55 | $80 |
| Progressive | $55 | $81 |
| Liberty Mutual | $57 | $88 |
| National General | $61 | $89 |
| State Farm | $65 | $94 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Erie
A DUI is a serious offense, and you may have to carry SR-22 insurance if you’re convicted of one. Many insurance companies don’t even offer coverage to high-risk drivers, and if they do, you’ll likely see your rates spike.
A DUI pushes Cary drivers’ average monthly insurance costs to $176 for full coverage and $89 for liability. Drivers with DUIs on their record can find car insurance as cheap as $69 in Cary.
The car insurance companies below offer the best rates for drivers with a DUI in Cary.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Erie | $40 | $69 |
| Nationwide | $40 | $69 |
| GEICO | $46 | $80 |
| Travelers | $51 | $88 |
| Dairyland | $53 | $92 |
| Direct Auto | $54 | $94 |
| Safeco | $54 | $87 |
| Allstate | $55 | $95 |
| Progressive | $55 | $95 |
| Liberty Mutual | $57 | $99 |
| National General | $61 | $106 |
| State Farm | $65 | $113 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Nationwide
While rates start to decrease at age 35, you may see your rates rise in your 70s. Age-related conditions tend to impair one’s driving abilities, which means older drivers are at a higher risk of getting into an accident.
Senior drivers in Cary pay an average of $81 for full-coverage car insurance and $41 for a liability-only policy. Below, you’ll find the cheapest car insurance options for senior drivers in Cary.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Nationwide | $30 | $46 |
| Erie | $31 | $48 |
| GEICO | $37 | $57 |
| Progressive | $40 | $63 |
| Travelers | $40 | $62 |
| Dairyland | $42 | $206 |
| Direct Auto | $42 | $75 |
| Allstate | $44 | $69 |
| Safeco | $46 | $91 |
| National General | $47 | $82 |
| Liberty Mutual | $48 | $150 |
| State Farm | $51 | $79 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Erie
With less experience on the road, teenage drivers are a greater liability to insurers than other age groups. As a result, young drivers may see higher rates on their policy. Cary teens face average monthly rates of $167 for full coverage and $84 for liability-only insurance.
But teen drivers can lower costs by staying on their parent’s insurance policy, driving a safe car, and getting a good student discount. Below, you’ll also find a list of the cheapest car insurance companies in Cary for teenagers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Erie | $67 | $105 |
| Nationwide | $70 | $109 |
| GEICO | $74 | $114 |
| Dairyland | $86 | $417 |
| Travelers | $93 | $144 |
| Progressive | $97 | $154 |
| Liberty Mutual | $98 | $307 |
| Allstate | $99 | $154 |
| Direct Auto | $99 | $177 |
| Safeco | $105 | $205 |
| State Farm | $112 | $176 |
| National General | $121 | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cary car insurance quotes by credit tier
Auto insurance companies in North Carolina can use your credit history when determining your premiums.[4]
An excellent or good credit score indicates you’re less likely to file a claim. As a result, you may see lower rates on your policy compared to people with poor credit scores.
Take a look at the average monthly cost of car insurance policies in Cary based on various credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Cary?
Cary drivers pay an average of $73 per month for car insurance, only slightly lower than North Carolina’s average of $75 but much lower than the national average of $154 per month.
More cities in North Carolina
A city’s population density, crime rates, and accident rates can influence its average cost. For instance, Cary drivers may see cheaper car insurance rates than many cities in North Carolina due to its small population, as illustrated in the table below.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Asheville | $44 | $80 |
| Chapel Hill | $44 | $77 |
| Charlotte | $72 | $121 |
| Durham | $55 | $99 |
| Fayetteville | $66 | $108 |
| Greensboro | $62 | $95 |
| Greenville | $61 | $97 |
| High Point | $61 | $95 |
| Jacksonville | $55 | $84 |
| Raleigh | $62 | $100 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cary car insurance FAQs
Finding the right car insurance can be challenging. Below are answers to some of the most commonly asked questions about car insurance in Cary.
How much is car insurance in Cary?
On average, car insurance in Cary costs $296 per month for full coverage and $152 for liability-only insurance. Your premium will depend on factors like your location, driving record, age, and gender.
Which company has the cheapest car insurance in Cary?
Mile Auto offers the cheapest car insurance rates in Cary, at $63 for liability-only coverage. Cary drivers can also find cheap rates from Sun Coast and Mercury, which have liability rates of $99 and $109, respectively.
What are the best car insurance companies in Cary?
Nationwide, State Farm, and USAA are the best car insurance companies in Cary. All boast IQ Scores of above 4 out of 5 and have strong financial strength ratings. But the best car insurance company for you may differ, as everyone has unique insurance needs and financial situations. Always compare quotes from multiple insurers before buying a policy.
How much is car insurance per month in NC?
Car insurance in North Carolina costs an average of $75 per month. Drivers pay $55 for liability coverage and $95 for full coverage. Your exact premium will depend on factors like your location, driving record, age, and gender.
Why is car insurance so cheap in North Carolina?
Car insurance is cheap on average in North Carolina primarily due to its rural population and low traffic rates. However, in large or coastal North Carolina cities, rates will be more expensive due to the increased likelihood of accidents and weather damage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- World Population Review. "North Carolina Cities by Population (2023)."
- North Carolina Division of Motor Vehicles. "Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- North Carolina Department of Insurance. "A Consumer's Guide to Insurance Companies' Use of Credit Information."
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Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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