Cheapest Auto Insurance in Cary, North Carolina (2024)

Midvale Home & Auto offers the cheapest car insurance in Cary, with minimum-coverage policies as low as $31 per month.

Alani Asis
Written byAlani Asis
Alani Asis
Alani Asis
  • 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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Danny Smith
Edited byDanny Smith
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Danny 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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Updated May 23, 2024

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Cheapest recent rates near Cary, North Carolina

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $66/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 May 23, 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 May 23, 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 May 23, 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Cary can expect to pay an average of $72 per month for car insurance. The city’s rates are barely lower than North Carolina’s monthly average of $81 but much cheaper than the national average of $160 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
  • Midvale Home & Auto, Erie, and Nationwide 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
Nationwide4.4$63$41People with a poor driving record
State Farm4.6$103$67Teens and young drivers
USAA4.7N/AN/AMilitary 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for people with a poor driving record: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$36/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.
$56/mo

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

Read our Nationwide review
Philip - May 20, 2024
Verified

Nationwide is Not on Your Side!

They cancel your policy when you use it!

Kenneth - May 20, 2024
Verified

High Renewals

I'm very disappointed that our coverage went up almost $700 upon renewal, despite us having perfect driving records and driving less than 6000 miles per year. It seems as if they don't reward safe drivers and treat them like the worst drivers. Consequently, I had to shop elsewhere.

Joel - May 16, 2024
Verified

Excellent

Get an agent who works most days and will get back to you, or work directly with Nationwide.

Best insurer for teens and young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$60/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.
$92/mo

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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for military members, veterans, and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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

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

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

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 $31 per month

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Cheapest liability-only car insurance in Cary: Midvale Home & Auto

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 Midvale Home & Auto, with premiums that start at $31 per month.

The table below shows more cheap car insurance companies for liability-only insurance.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Midvale Home & Auto31
Erie36
Nationwide36
State Auto37
GEICO41
Liberty Mutual44
Travelers45
Safeco46
Direct Auto47
Dairyland48
Allstate49
Progressive51
National General58
State Farm60
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 $95. Below is a list of the most affordable car insurance companies for full-coverage insurance.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Erie56
Nationwide56
Midvale Home & Auto62
GEICO64
Travelers70
Allstate76
Progressive77
State Auto81
Safeco86
State Farm92
Direct Auto95
National General108
Liberty Mutual143
Dairyland221
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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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you’re in a car crash, collision coverage will pay for your vehicle repairs.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage will pay for repairs if your vehicle sustains damages from non-collision incidents like theft or natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    PIP coverage pays for you and your passengers’ medical expenses after a car accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $42 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Midvale Home & Auto

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 $144 for full coverage and $76 for liability only. But drivers with speeding tickets on their record can find car insurance as cheap as $43. 

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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Midvale Home & Auto3143
Erie3649
Nationwide3649
State Auto3754
GEICO4155
Liberty Mutual4465
Travelers4561
Safeco4663
Direct Auto4764
Dairyland4865
Allstate4965
Progressive5168
National General5885
State Farm6080
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: Midvale Home & Auto

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 $46. On average, though, they pay monthly rates of $151 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Midvale Home & Auto3146
Erie3652
Nationwide3651
State Auto3757
GEICO4158
Liberty Mutual4468
Travelers4564
Safeco4663
Direct Auto4768
Dairyland4868
Allstate4969
Progressive5173
National General5882
State Farm6084
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: Midvale Home & Auto

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 $173 for full coverage and $91 for liability. Drivers with DUIs on their record can find car insurance as cheap as $54 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Midvale Home & Auto3154
Erie3663
Nationwide3663
State Auto3765
GEICO4172
Liberty Mutual4477
Travelers4579
Safeco4681
Direct Auto4782
Dairyland4884
Allstate4986
Progressive5189
National General58102
State Farm60105
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: Midvale Home & Auto

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 $78 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Midvale Home & Auto2447
Erie2742
Nationwide2742
State Auto2862
GEICO3351
Liberty Mutual35113
Travelers3555
Direct Auto3673
Progressive3755
Safeco3769
Dairyland38177
Allstate3961
State Farm4671
National General4787
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: Midvale Home & Auto

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 $148 for full coverage and $78 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Midvale Home & Auto50101
Erie5687
Nationwide5789
GEICO6093
State Auto61134
Dairyland75344
Travelers76118
Liberty Mutual77249
Allstate80124
Direct Auto80162
Progressive86130
Safeco91170
State Farm94145
National General101188
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.

Find Car Insurance in Cary, North Carolina

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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 $72 per month for car insurance, only slightly lower than North Carolina’s average of $81 but much lower than the national average of $160 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Asheville$45$72
Chapel Hill$45$94
Charlotte$75$136
Durham$56$111
Fayetteville$67$123
Greensboro$63$99
Greenville$61$106
High Point$62$98
Jacksonville$58$94
Raleigh$60$109
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 $293 per month for full coverage and $144 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 $65 for liability-only coverage. Cary drivers can also find cheap rates from Sun Coast and Mercury, which have liability rates of $81 and $96, 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 $81 per month. Drivers pay $57 for liability coverage and $106 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. World Population Review. "North Carolina Cities by Population (2023)."
  2. North Carolina Division of Motor Vehicles. "Insurance Requirements."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. North Carolina Department of Insurance. "A Consumer's Guide to Insurance Companies' Use of Credit Information."
Alani Asis
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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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