Cary, NC Car Insurance

On average, Cary drivers pay around $44 a month for their car insurance. Check out our guide below to find out how much you'll pay.
What can Cary residents expect to pay for their car insurance? How does Cary compare to the surrounding area and the rest of North Carolina? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Cary?

Area Average Monthly Car Insurance Premium
Cary$44
NC$54
United States$80

Based on the chart above, you can see that it's about $10 a month cheaper to insure your vehicle in Cary than it is in the rest of North Carolina.

Likewise, the expected monthly payments for an auto insurance policy in Cary are below the national average. Auto insurance coverage in Cary is about $36 cheaper than it is for the rest of the United States.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've analyzed the average rate for Cary and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$50
25-34$45
35-44$40
45-54Not Enough Data
55-64$30
65+$36

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $14 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Cary may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$43
Female$45

Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in Cary, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$55
Multiple Accidents$87
1 Ticket$96
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Cary, a driving record with a single accident will usually get you a rate around $55 a month. In addition, drivers with one ticket can expect to pay around $96 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$38
4-5 Years$45
6-7 Years$40
8-10 Years$54
11-14 Years$39
15 Years or Older$44

In Cary, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $35 per month for insurance.

SUV drivers will see rates of about $44, while the rates for car owners average out to about $45 per month.

You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Cary are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$46
Married$40
Divorced$29

Generally, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

According to the table above, the difference in rates based on relationship status in Cary can be as much as $6 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$35
Rent$48
Live with parents$43

Your living situation is another factor that affects your monthly rate. Drivers who own property in Cary can expect to pay around $13 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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

Recent trends in car insurance for Cary drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Cary, car insurance rates dropped from 2016-2017, before steadying out in 2018. Policy premiums finished down in 2021, at $42 a month

How does Cary compare to neighboring areas?

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

Car insurance companies look at several factors when they're deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Access to off-street parking
  • Local regulations
  • Total number of drivers in the region
  • Crime levels
  • General road safety (how many accidents each locality has)

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

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.

Fortunately, Compare.com has you covered. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Cary in no time.

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Cary Insurance FAQs

What factors affect car insurance quotes in Cary?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Cary or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes