Cary, NC Car Insurance

Residents of Cary pay around $44 monthly for their car insurance coverage. Read our guide below to learn more about your specific rates.
Map of cities where drivers can find cheaper car insurance
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What should residents of Cary expect to pay for their car insurance? How does Cary compare to the surrounding area and the rest of North Carolina? Find the average cost breakdowns and determining factors in the charts and writeups below:

How much is car insurance in Cary?

Area Average Monthly Car Insurance Premium
Cary$44
NC$53
United States$81

Looking at the chart above, you can see it's around $9 a month cheaper to insure your vehicle in Cary than it is in the rest of North Carolina.

Similarly, when compared to the national average, the cost for auto insurance in Cary is lower. On average, it's about $37 less to insure your vehicle in Cary than it is in the rest of the U.S.

Keep in mind that while these are the average car insurance rates for Cary, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't worry, we've done the work for you and broken down average rates for Cary to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$52
25-34$45
35-44$40
45-54$34
55-64$30
65+$36

It would make sense that older drivers have more driving experience, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay about $16 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Cary.

Average Car Insurance Rates by Gender

Gender Average
Male$43
Female$46

Car insurance rates for men are usually slightly more expensive than they are for women. In Cary, although men do pay a little bit less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$53
Multiple Accidents$55
1 Ticket$50
Multiple Tickets$61

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Cary, drivers with one accident on their record will experience rates around $53 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $50.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$43
2-3 Years$39
4-5 Years$42
6-7 Years$41
8-10 Years$53
11-14 Years$44
15 Years or Older$44

The cheapest vehicles to insure in Cary are typically trucks and vans, with each type typically costing about $37 per month.

SUV drivers will see rates of about $43, while the rates for car owners average out to about $46 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. In Cary, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$45
Married$42
Divorced$29

Generally speaking, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Cary are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$36
Rent$48
Live with parents$43

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Cary. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Cary, NC

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Cary, car insurance rates went up from 2017-2018, before leveling out in 2019. Policy premiums finished up in 2022, at $49 per month

How does Cary compare to neighboring areas?

Why are car insurance rates in Cary different from other areas?

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:

  • General road safety (how many accidents each locality has)
  • Amount of off-street parking
  • Amount of drivers in the area
  • Area regulations
  • Prevalence of crime

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Cary?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Cary.


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Cary Insurance FAQs

What factors affect car insurance quotes in Cary?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

Why is the cost of car insurance in Cary different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Cary?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Cary?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Cary or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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