Cheapest Auto Insurance in Cary, North Carolina (2026)
Nationwide offers the cheapest car insurance in Cary, with minimum-coverage policies as low as $59 per month.
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Written byAlani Asis
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Alani AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
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Edited byDanny Smith
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Danny SmithInsurance Writer
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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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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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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 $77 but much cheaper than the national average of $136 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
Nationwide, Erie, and Direct Auto 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 | 9.0 | $93 | $61 | People with a poor driving record |
| State Farm | 9.3 | $152 | $100 | Teens and young drivers |
| USAA | 9.1 | N/A | N/A | Military members, veterans, and their families |
Disclaimer: Table data sourced from real-time Cary car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cary 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 55,000 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 | 4.2 |
|---|---|
| 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 /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. | $59/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. | $88/mo |
4.2
Best choice in Cary, NCBased on 952 verified driver reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Cary for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Cary for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Showing 3 North Carolina reviews for Cary drivers - See all 512 Nationwide reviews
Walter Mike
Verified Review
Fed up with high rates just because they can
Reviewed in North Carolina on February 24, 2026
I thought it was good until they started raising my rates for no good reason other than what they said: everyone is getting a rate increase. Which didn’t sit well. I’m a senior citizen with a perfect driving record; all other things they check are really good, and I've been with this same company and agent for over 20 years. Undoubtedly, that doesn’t mean much. So much for loyalty and being a long-time customer. So I’m doing something different.
Stephen
Verified Review
Cost is too high
Reviewed in North Carolina on May 11, 2025
Too expensive for someone who was a customer for 20 years and never filed a claim.
George
Verified Review
A Money Pit
Reviewed in North Carolina on March 13, 2025
Way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.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 | 4.0 |
|---|---|
| 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. | $97/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. | $146/mo |
4.0
Best choice in Cary, NCBased on 15,982 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Cary for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Cary for
Customer service
Competitive rates
Discounts for safe drivers
Showing 52 North Carolina reviews for Cary drivers - See all 7,209 State Farm reviews
Rudy
Verified Review
SF Client
Reviewed in North Carolina on March 4, 2026
SF is quick to address claims, but like many other insurance companies, they are overpriced.
Melanie
Verified Review
Unhappy
Reviewed in North Carolina on February 28, 2026
My policy went up about 40% with one liability claim. I'm looking for another policy. I thought I had accident forgiveness on my first claim.
Bettye
Verified Review
Wonderful Company with Great People Skills
Reviewed in North Carolina on February 24, 2026
Great until a driver decided to stop in the middle of a turning operation. Support staff were very helpful and knowledgeable. They searched for options.
Terry
Verified Review
Not worth 20 bucks
Reviewed in North Carolina on February 23, 2026
My rate is great and the support is excellent. The support number is easy to reach, and the app is great. I wouldn’t change my insurance company easily because I’ve been with State Farm for a long time and I love them.
Jodean
Verified Review
SF Rating
Reviewed in North Carolina on February 22, 2026
I have had no problems with SF up until now. Claims handling was great. My problem is knowing I can get insurance much cheaper as I am 70 years old. All over the internet and email is information on how seniors can get car and home insurance very low. As I have mine through an agent, they say that is why it's so high.
Jeff
Verified Review
Great people doing a great job!
Reviewed in North Carolina on February 20, 2026
I would always try to bundle your car and home insurance to get a lower rate. So far, no one has been able to beat State Farm's rate.
Heidi
Verified Review
Old and New
Reviewed in North Carolina on February 15, 2026
It's new, so I don't know yet, but it's very affordable for my needs.
Chris
Verified Review
Only if you need to
Reviewed in North Carolina on February 14, 2026
Shop around, State Farm isn't the cheapest or best value for money. It seems to be overpriced for coverage, giving the impression you're getting a huge saving, but you're not.
Rickie
Verified Review
Satisfied Customer
Reviewed in North Carolina on February 12, 2026
Can't say enough good things about this agency. They went above and beyond to help us with everything we needed. Highly recommend them.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | 9.1 /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. | $52/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. | $100/mo |
4.9
Best choice in Cary, NCBased on 3,167 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Cary for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Cary for
Members of the military community
Outstanding customer service
Competitive rates
Showing 17 North Carolina reviews for Cary drivers - See all 1,487 USAA reviews
Virginia
Verified Review
USAA is awesome
Reviewed in North Carolina on March 10, 2026
Great company to work with. Competitive rates.
Forrest
Verified Review
Don't Trust USAA!
Reviewed in North Carolina on February 22, 2026
Very poor experience. I had a car with 60,000 original miles, like it came out of a showroom, and it was totaled. They compared it to the same car with 238,000 miles, and no amount of talking and explaining would change their mind. I lost thousands of dollars! On top of that, because I was challenging them on the price they wanted to give me, they took the rental back or were going to charge me a higher price than I could rent it myself, although I pay extra on my policy for them to provide a rental to me in case my car gets disabled!
David
Verified Review
An Insurance Company in Decline
Reviewed in North Carolina on February 15, 2026
They use computers extensively without regard to driving history, etc. There is no one to discuss how a rate can be adjusted, as the computer decides everything. In essence, there is no human underwriting.
Sam
Verified Review
Saved a lot by switching to Progressive
Reviewed in North Carolina on February 6, 2026
Switching to Progressive from USAA, we saved $600 per year. USAA wasn't willing to match. So far, so good with Progressive, but it's only been a couple of days. They are sure to raise rates eventually, just like every other insurance company.
Patricia
Verified Review
Excellent
Reviewed in North Carolina on January 13, 2026
Great. The salesman knew his stuff and was very helpful.
Wesley
Verified Review
Good Luck
Reviewed in North Carolina on December 23, 2025
Keep good car insurance. Your credit score matters. Finding the most reasonable car insurance company, Good Luck.
David
Verified Review
I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.
Reviewed in North Carolina on November 19, 2025
I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.
Catherin
Verified Review
USAA
Reviewed in North Carolina on November 17, 2025
It is okay, but I think it is a little expensive.
Bobby
Verified Review
USAA Review
Reviewed in North Carolina on May 25, 2025
Difficult to reach.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 $59 per month
Excellent
4.7 out of 5 based on 12,610 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Cary: Nationwide
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 Nationwide, with premiums that start at $59 per month.
The table below shows more cheap car insurance companies for liability-only insurance.
The below rates in Cary, NC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $59 |
| Erie | $59 |
| Direct Auto | $63 |
| Liberty Mutual | $63 |
| National General | $63 |
| Progressive | $65 |
| Safeco | $67 |
| GEICO | $67 |
| Dairyland | $71 |
| Travelers | $75 |
| Allstate | $81 |
| State Farm | $97 |
Disclaimer: Table data sourced from real-time Cary car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cary may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cary: Progressive
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 $88. Below is a list of the most affordable car insurance companies for full-coverage insurance.
The below rates in Cary, NC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $79 |
| Direct Auto | $83 |
| Nationwide | $88 |
| Erie | $89 |
| National General | $91 |
| GEICO | $102 |
| Liberty Mutual | $113 |
| Travelers | $113 |
| Safeco | $117 |
| Allstate | $121 |
| State Farm | $146 |
| Dairyland | $159 |
Disclaimer: Table data sourced from real-time Cary car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cary may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Cary, North Carolina
Drivers using Insurify have found quotes as cheap as $49/mo for liability only and $57/mo for full coverage in Cary and other North Carolina cities.
*Quotes generated for Insurify users in and around Cary, North Carolina within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 12, 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 March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 12, 2026. 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. The specific coverage limits required in the state will increase on July 1, 2025. The table below reflects the change in requirements:[2]
Coverage | Current Coverage Limits | Coverage Limits as of July 1, 2025 |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 per accident | $50,000 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 $76 for drivers with an incident
Excellent
4.7 out of 5 based on 12,610 reviews
Secure. Free. Easy-to-use.
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 $118 for full coverage and $79 for liability only. But drivers with speeding tickets on their record can find car insurance as cheap as $79.
The following table displays the most budget-friendly car insurance options tailored for drivers with a speeding ticket.
The below rates in Cary, NC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Nationwide | $59 | $79 |
| Erie | $59 | $81 |
| Direct Auto | $63 | $82 |
| Liberty Mutual | $63 | $83 |
| National General | $63 | $81 |
| Progressive | $65 | $87 |
| Safeco | $67 | $91 |
| GEICO | $67 | $91 |
| Dairyland | $71 | $92 |
| Travelers | $75 | $101 |
| Allstate | $81 | $109 |
| State Farm | $97 | $127 |
Disclaimer: Table data sourced from real-time Cary car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cary 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 $81. On average, though, they pay monthly rates of $125 for full coverage and $84 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 in Cary, NC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Nationwide | $59 | $82 |
| Erie | $59 | $81 |
| Direct Auto | $63 | $89 |
| Liberty Mutual | $63 | $87 |
| National General | $63 | $87 |
| Progressive | $65 | $92 |
| Safeco | $67 | $97 |
| GEICO | $67 | $90 |
| Dairyland | $71 | $98 |
| Travelers | $75 | $105 |
| Allstate | $81 | $112 |
| State Farm | $97 | $133 |
Disclaimer: Table data sourced from real-time Cary car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cary 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 $194 for full coverage and $130 for liability. Drivers with DUIs on their record can find car insurance as cheap as $109 in Cary.
The car insurance companies below offer the best rates for drivers with a DUI in Cary.
The below rates in Cary, NC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Nationwide | $59 | $109 |
| Erie | $59 | $109 |
| Direct Auto | $63 | $116 |
| Liberty Mutual | $63 | $116 |
| National General | $63 | $116 |
| Progressive | $65 | $144 |
| Safeco | $67 | $130 |
| GEICO | $67 | $123 |
| Dairyland | $71 | $131 |
| Travelers | $75 | $139 |
| Allstate | $81 | $150 |
| State Farm | $97 | $179 |
Disclaimer: Table data sourced from real-time Cary car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cary 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 $79 for full-coverage car insurance and $53 for a liability-only policy. Below, you’ll find the cheapest car insurance options for senior drivers in Cary.
The below rates in Cary, NC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Nationwide | $46 | $69 |
| Erie | $46 | $69 |
| National General | $50 | $73 |
| Direct Auto | $52 | $68 |
| Liberty Mutual | $54 | $96 |
| GEICO | $54 | $83 |
| Progressive | $58 | $71 |
| Safeco | $60 | $104 |
| Dairyland | $61 | $137 |
| Travelers | $61 | $92 |
| Allstate | $67 | $100 |
| State Farm | $78 | $117 |
Disclaimer: Table data sourced from real-time Cary car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cary 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 $164 for full coverage and $110 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 in Cary, NC, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Erie | $110 | $165 |
| Liberty Mutual | $113 | $202 |
| Nationwide | $117 | $174 |
| Progressive | $121 | $148 |
| GEICO | $122 | $185 |
| Direct Auto | $123 | $162 |
| Dairyland | $124 | $277 |
| National General | $129 | $187 |
| Safeco | $137 | $239 |
| Travelers | $158 | $238 |
| Allstate | $163 | $243 |
| State Farm | $191 | $287 |
Disclaimer: Table data sourced from real-time Cary car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Cary 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 $77 but much lower than the national average of $136 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 | $55 | $78 |
| Chapel Hill | $54 | $86 |
| Charlotte | $86 | $111 |
| Durham | $64 | $98 |
| Fayetteville | $81 | $108 |
| Greensboro | $73 | $101 |
| Greenville | $75 | $106 |
| High Point | $74 | $98 |
| Jacksonville | $68 | $90 |
| Raleigh | $71 | $98 |
Disclaimer: Table data is based on real-time Cary quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $206 per month for full coverage and $107 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?
USAA offers the cheapest car insurance rates in Cary, at $91 for liability-only coverage. Cary drivers can also find cheap rates from National General and Sun Coast, which have liability rates of $96 and $99, 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 $77 per month. Drivers pay $66 for liability coverage and $89 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 190 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:
- 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 AsisFreelance Personal Finance and Insurance Writer
4-plus years of insurance writing
Bylines in top personal finance publications
Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
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Alani specializes in writing empathetic, actionable articles about insurance and personal finance. Her work has appeared in top publications like U.S. News and Fortune.
Danny SmithInsurance Writer
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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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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.