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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Cheapest recent rates near Cary, North Carolina
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $63/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 April 24, 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 April 24, 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 April 24, 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 April 24, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in Cary can expect to pay an average of $74 per month for car insurance. The city’s rates are barely lower than North Carolina’s monthly average of $82 but much cheaper than the national average of $158 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 Company
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.
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
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.
4.1
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.
$37/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.
$59/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
Nationwide is a good insurance company, but I'm looking for a cheaper place with the same coverage. My premiums increase every 6 months for no apparent reason. I haven't had any accidents, tickets, DUIs, or anything else. I used to wonder why a policy went to 6 months instead of 12, but I finally figured it out. They can raise your coverage twice in a year, which seems very unfair. I'm retired.
Nationwide is a good insurance company, but I'm looking for a cheaper place with the same coverage. My premiums increase every 6 months for no apparent reason. I haven't had any accidents, tickets, DUIs, or anything else. I used to wonder why a policy went to 6 months instead of 12, but I finally figured it out. They can raise your coverage twice in a year, which seems very unfair. I'm retired.
Antoinette - April 8, 2024
Verified
Nationwide is not on your side
My rate doubled for no apparent reason. I have no tickets and no accidents.
Best insurer for teens and young drivers: State Farm
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.
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.
$90/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
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.
4.3
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.
$46/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
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
Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.
Marvin - April 21, 2024
Verified
Excellent
So far, so good.
Robert - April 19, 2024
Verified
USAA is the finest. Period.
I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
…
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 $32 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 $32 per month.
The table below shows more cheap car insurance companies for liability-only insurance.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Midvale Home & Auto
32
Erie
37
Nationwide
37
GEICO
41
Liberty Mutual
41
State Auto
44
Safeco
45
Travelers
45
Direct Auto
46
Dairyland
47
Allstate
49
Progressive
51
National General
60
State Farm
60
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Erie
55
Nationwide
59
Midvale Home & Auto
62
GEICO
63
Travelers
67
Allstate
75
Progressive
77
Safeco
78
State Auto
83
State Farm
90
Direct Auto
91
Liberty Mutual
106
National General
112
Dairyland
278
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.
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]
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
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 $${AUTO_CHEAPEST_LIABILITY_CITY_NC_CARY_PRICE_1_HAS-INCIDENT} for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Midvale Home & Auto
A speeding ticket indicates you’ve engaged in risky driving. To offset the risk, insurance companies may increase your rates.
The average monthly cost of car insurance for Cary drivers with a speeding ticket is $143 for full coverage and $80 for liability only. But drivers with speeding tickets on their record can find car insurance as cheap as $${AUTO_CHEAPEST_LIABILITY_CITY_NC_CARY_PRICE_1_HAS-TICKET}.
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Erie
37
54
Nationwide
37
49
GEICO
41
54
Liberty Mutual
41
58
Safeco
45
64
Travelers
45
60
Direct Auto
46
63
Dairyland
47
64
Allstate
49
65
Progressive
51
70
National General
60
80
State Farm
60
78
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 $${AUTO_CHEAPEST_LIABILITY_CITY_NC_CARY_PRICE_1_HAS-ACCIDENT}. On average, though, they pay monthly rates of $151 for full coverage and $84 for liability-only insurance in Cary.
Below are the most affordable car insurance companies in Cary for drivers with an at-fault accident.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Erie
37
56
Nationwide
37
53
GEICO
41
58
Liberty Mutual
41
62
Safeco
45
69
Travelers
45
64
Direct Auto
46
67
Dairyland
47
68
Allstate
49
69
Progressive
51
75
National General
60
86
State Farm
60
84
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Midvale Home & Auto
A DUI is a serious offense, and you may have to carry SR-22 insurance if you’re convicted of one. Many insurance companies don’t even offer coverage to high-risk drivers, and if they do, you’ll likely see your rates spike.
A DUI pushes Cary drivers’ average monthly insurance costs to $172 for full coverage and $96 for liability. Drivers with DUIs on their record can find car insurance as cheap as $${AUTO_CHEAPEST_LIABILITY_CITY_NC_CARY_PRICE_1_HAS-DUI} 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Erie
37
57
Nationwide
37
62
GEICO
41
69
Liberty Mutual
41
69
Safeco
45
76
Travelers
45
76
Direct Auto
46
77
Dairyland
47
79
Allstate
49
82
Progressive
51
86
National General
60
101
State Farm
60
101
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 $80 for full-coverage car insurance and $45 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Nationwide
28
45
Erie
29
43
GEICO
33
51
Liberty Mutual
34
88
Direct Auto
36
71
Travelers
36
54
Progressive
37
56
Dairyland
38
228
Safeco
39
67
Allstate
40
61
State Farm
47
71
National General
49
92
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 $83 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Nationwide
59
95
GEICO
60
93
Erie
64
94
Liberty Mutual
65
168
Dairyland
71
422
Safeco
76
131
Travelers
76
114
Direct Auto
79
156
Allstate
81
124
Progressive
86
130
State Farm
96
145
National General
108
201
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]
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 $74 per month for car insurance, only slightly lower than North Carolina’s average of $82 but much lower than the national average of $158 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.
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 $285 per month for full coverage and $131 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 $74 for liability-only coverage. Cary drivers can also find cheap rates from Sun Coast and Mercury, which have liability rates of $82 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 $82 per month. Drivers pay $56 for liability coverage and $108 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.
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.
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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