120+ more*Quotes generated for Insurify users in and around Cary, North Carolina within the last 10 days. Last updated on September 17, 2026. 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 September 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Car insurance quotes in Cary, North Carolina, average $60 per month for liability-only insurance, and $103 for a full-coverage policy. Cary drivers pay less than the North Carolina state average.
Rates in nearby Raleigh are slightly higher, while premiums in Morrisville are lower. Cary’s population density sits in the middle of these cities: Cary has 191,000 residents, Morrisville has less than 35,000, and Raleigh has nearly 500,000, according to city data.
Living in a midsize city, Cary drivers are more likely to get into an accident than Morrisville drivers, but they don’t have as much congestion to contend with as Raleigh drivers. Cary drivers have an average commute time of 23 minutes, less than the state average of 25 minutes.[1]
Cary drivers can find the cheapest liability-only insurance from Erie.
North Carolina recently expanded its minimum liability coverage and now requires:[2]
$50,000 bodily injury per person
$100,000 bodily injury per accident
$50,000 property damage
Even with the increase, rates in Cary are still cheaper than the national average and the North Carolina state average. Use the table below to compare average rates for liability-only car insurance in Cary, keeping in mind that your unique driver profile could increase or decrease premiums.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $50 |
| Progressive | $54 |
| GEICO | $57 |
| Direct Auto | $58 |
| National General | $58 |
| Liberty Mutual | $59 |
| Safeco | $61 |
| Travelers | $62 |
| Dairyland | $67 |
| Allstate | $68 |
| State Farm | $82 |
Liability quotes start at $50/mo.
Full-coverage car insurance in Cary includes comprehensive and collision coverage in addition to the minimum liability requirements. National General has the cheapest full-coverage car insurance for Cary drivers.
In 2023, Cary saw more than 2,000 crashes, so it’s worth it to consider the extra protection that full-coverage policies offer.[3] Liability-only insurance doesn’t cover your car in an at-fault accident.
Here are the cheapest full-coverage insurers in Cary, NC.
Insurance Company | Average Monthly Quote |
|---|---|
| Direct Auto | $79 |
| National General | $79 |
| Progressive | $79 |
| Erie | $86 |
| Liberty Mutual | $94 |
| GEICO | $97 |
| Safeco | $103 |
| Travelers | $108 |
| Allstate | $117 |
| State Farm | $139 |
| Dairyland | $141 |
Cary’s average car insurance rate of $82 per month is higher than only a few other North Carolina cities, including Chapel Hill. Chapel Hill tends to see lower amounts of car accidents than Cary, according to North Carolina Department of Motor Vehicles (DMV) data.
Charlotte has a much higher average rate than Cary, which isn’t surprising given its larger population and higher number of yearly car accidents.
Here’s how rates in other North Carolina cities compare to Cary’s rates.
City | Average Monthly Quote |
|---|---|
| Asheville | $76 |
| Chapel Hill | $77 |
| Morrisville | $77 |
| Burlington | $81 |
| Mooresville | $82 |
| Rocky Mount | $84 |
| Wilmington | $84 |
| Jacksonville | $85 |
| Durham | $89 |
| Hickory | $90 |
| Raleigh | $92 |
| Greensboro | $94 |
| Goldsboro | $95 |
| Kannapolis | $95 |
| High Point | $98 |
| Wilson | $99 |
| Matthews | $100 |
| Concord | $101 |
| Greenville | $102 |
| Fayetteville | $104 |
| Gastonia | $105 |
| Charlotte | $109 |
*Quotes generated for Insurify users in and around Cary, North Carolina within the last 10 days. Last updated on September 17, 2026. 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 September 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Having an at-fault accident, getting a traffic ticket, or having a driving while intoxicated (DWI) conviction all can increase your insurance premiums. Cary drivers with a clean record typically have the cheapest rates. Here are the cheapest insurers in Cary by driving record.
Cheapest car insurance for Cary drivers with a clean driving record: Erie
Cheapest car insurance for drivers with a speeding ticket in Cary: Erie
Cheapest car insurance for Cary drivers with an at-fault accident: Erie
Cheapest car insurance for drivers with a DWI in Cary: Erie
Fewer than 1% of Cary drivers have a DWI, but 4% have a ticket and 6% have an at-fault accident on their records, according to Insurify data. North Carolina is an at-fault state, and if you’re even partially responsible for an accident, you may not be able to collect on a liability claim.[4]
North Carolina uses a point system for infractions. A minor accident adds one point, speeding more than 10 mph over the limit adds two points, and a DWI adds 12 points.[5]
Here are the average rates for Cary drivers with various driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $82 |
| Speeding ticket | $107 |
| At-fault accident | $113 |
| DWI | $208 |
North Carolina’s lookback law increased from three years to five years in July 2025. It waives speeding tickets that are less than 10 mph over the limit, so they don’t add points to your driving record.[6]
Drivers in Cary should be aware that the area has a relatively high crash and theft risk. North Carolina DMV crash data suggests it has far higher instances of accidents than most other cities. Wake and Durham County also sit in the top 100 counties for thefts by volume, according to Insurify data.
When it comes to weather-related issues, Cary drivers don’t contend with much annual snowfall, but sudden precipitation can lead to flash floods. The city is improving its flood-risk hazards, though drivers still run a slight chance of vehicle damage due to weather.
Parking is very easy in downtown Cary, and the city has more than 2,000 free parking spots, including EV charging ports.[7]
Cary banned red light cameras in 2012, but it does use live traffic cameras as part of the city’s Vision Zero plan to calm traffic and improve intersection safety.[8] In the greater Wake County area, the North Carolina Department of Transportation identified parts of Aviation Parkway and Interstate 40 as the most dangerous for crashes.
With an average commute time of 22 minutes, Cary drivers may want to consider increasing their coverage to protect against unexpected accidents or incidents. Both the city and Wake County are attempting to reduce roadway hazards, but rates can rise with every instance of traffic violations and accidents.
Save up to $1,100 per year on coverage
Erie has the cheapest liability-only car insurance for teen drivers in Cary, and rates average $90 per month. Teens pay some of the highest rates, and the North Carolina Department of Insurance applies a surcharge to drivers with less than eight years of driving experience.
Compare Cary’s cheapest options for teen car insurance in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $90 |
| Progressive | $98 |
| Liberty Mutual | $102 |
| GEICO | $102 |
| Direct Auto | $112 |
| National General | $114 |
| Dairyland | $115 |
| Allstate | $123 |
| Safeco | $123 |
| Travelers | $127 |
| State Farm | $157 |
Retirees are the fastest-growing group in Cary, according to city data. Senior drivers pay some of the cheapest rates and should look to Erie for even more affordable coverage in Cary. Compare rates for older adults between Cary car insurance companies in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $39 |
| GEICO | $46 |
| National General | $46 |
| Progressive | $47 |
| Direct Auto | $48 |
| Liberty Mutual | $49 |
| Travelers | $50 |
| Safeco | $54 |
| Dairyland | $57 |
| Allstate | $60 |
| State Farm | $65 |
Here’s what you need to know about getting affordable car insurance in Cary, North Carolina.
Car insurance in Cary, North Carolina, costs an average of $82 per month. Liability-only coverage costs an average of $60 per month, while monthly full-coverage policies average $103.
Erie has the cheapest liability-only rates for Cary drivers, averaging $50 per month. National General has the cheapest full-coverage insurance in Cary, averaging $79 per month.
North Carolina’s minimum car insurance requirements increased in July 2025 to $50,000 per person and $100,000 per accident of bodily injury liability insurance, and $50,000 of property damage liability insurance.
The average cost of car insurance in North Carolina is $69 per month for liability coverage and $113 per month for full coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
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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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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