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Average Cost of Car Insurance in Cary

Cary$723
NC$841
U.S.$1,424

The cost of car insurance in Cary is lower than the state and national averages.

Car insurance companies in Cary charge an average of $723 per year. This is 14% less than the average annual premium for the state and 49.2% lower than the national average.

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The Best Cheap Car Insurance Companies in Cary

Cost can be a major consideration when choosing the best car insurance company. State Farm offers the most affordable car insurance in Cary. On average, a policy with State Farm costs $512 per year. This is 77.7% less than the most expensive company, Allstate.

The second cheapest provider in Cary is Nationwide. A policy with Nationwide costs an average of $542 per year.

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Personalized Quotes to Get You the Cheapest Car Insurance in Cary

Auto insurance providers calculate the average car insurance rates in Cary based on many factors. These can include age, marital status, gender, coverage level and more.

For example, a 40-year-old male in Cary pays an average of $512 per year. This rate may go up (or down) over time as the driver ages, if they get a new car or their driving habits change.

Taking the time to regularly compare car insurance quotes can help you find the best rates as your life circumstances change.

Compare Car Insurance Rates in Cary

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Cary by Coverage Amount

How much car insurance coverage you purchase in Cary also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

North Carolina Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $30,000 per person, $60,000 per incident and $25,000 for property damage. The minimum coverage may not be enough if you're in a serious accident.

When looking for the cheapest car insurance in Cary, a liability-only policy could be your best option. These policies are more affordable but will only cover the costs of the other driver if you are responsible for causing an accident. Full-coverage plans are more expensive but will help pay for your expenses as well as the other driver’s if you cause an accident.

In Cary, a State Farm full-coverage policy with 50/100/50 limits costs $148 more than a liability-only policy. These coverage limits mean that your insurance company will pay $50,000 in medical expenses per person, up to $100,000 total and $50,000 in property damage costs.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Cary if You Have Tickets

To get the best car insurance rates in Cary, you should try to maintain a clean driving record. Having a DUI, speeding ticket or at-fault accident on your driving record can cause your rates to increase.

A driver with no violations pays an average of $512 per year for a policy from State Farm. Having a speeding ticket or being at-fault in an accident can increase this rate by about $246 annually. Drivers with a DUI may pay $1,469 more per year.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $758
    $758
    $1,981
  • $783
    $943
    $2,029
  • 3. North Carolina Farm Bureau
    $902
    $902
    $2,313
  • 4. Erie
    $943
    $943
    $2,456
  • $1,222
    $1,017
    $3,174
  • $1,093
    $1,262
    $3,244
  • $903
    $1,427
    $3,450
  • $1,236
    $1,236
    $3,428
  • $1,331
    $1,862
    $3,734

Average Cost of Car Insurance by Postal Code

Your car insurance rates may be higher or lower than the average annual premium based on where you live. Factors such as the number of accidents and car thefts can impact the average insurance rates in each neighborhood.

In Cary, drivers living in the 27519 ZIP code pay roughly $5 more per year than those living in the 27513 neighborhood.

  • Zip Code
    State Minimumper year
  • 27519
    $720
  • 27513
    $725

Factors That Impact Insurance Costs in Cary

In addition to individual driver needs and history, location-specific factors like the rate of car thefts and the percentage of uninsured motorists also contribute to car insurance rates in Cary. How Cary ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities285th/300
handcuffs2 icon
Most Car Thefts33rd/300
uninsured icon
Most Uninsured Motorists by State48th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall93rd/300
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Most Rainy Days137th/300

Shopping around for car insurance in Cary could save you $211, which is enough to buy:


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70Cups of Coffee
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16Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Cary are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Cary

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.