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Cheapest car insurance in Cary, North Carolina (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Cary, North Carolina.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Cary

On average, auto insurance in Cary costs about $95 per month for minimum coverage liability insurance, and about $180 per month for full coverage insurance. Cary drivers pay 25% less than the North Carolina average.
Drivers looking for state minimum coverage can find affordable rates with companies like
Assurance America
($38/month),
Progressive
($41/month),
Allstate
($42/month), and
National General
($43/month). If you’re looking to upgrade to a full coverage policy, affordable rates are often found with providers like
Direct Auto
($55/month),
Nationwide
($76/month),
Kemper
Preferred ($82/month), and Clearcover ($89/month).
Each month,
Jerry
helps thousands of wise car insurance shoppers in Cary
compare and buy car insurance
easily and efficiently. Here are some of the cheapest Cary car insurance quotes we found. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$145
Sean, 27
Zip: 27513
Nissan Sentra SV
• State Minimum Liability
• Comp / Collision
Nationwide
$121
Myra, 38
Zip: 27518
Honda Pilot Touring
• State Minimum Liability
• Comp / Collision
Safeco
$61
Estelle, 44
Zip: 27519
Honda Pilot SE
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$69
Cordelia, 37
Zip: 27511
Subaru Impreza Premium
• 100,000/300,000 Liability
• Comp / Collision
Commonwealth Insurance
$78
Ada, 36
Zip: 27519
Ford Mustang
• State Minimum Liability
coverageLast Updated Apr 13, 2024

Best car insurance companies in Cary

To find out which insurance company offers the cheapest car insurance rates in Cary (and throughout the country), Jerry surveyed 15,000 policyholders—the largest insurance shopping survey in the nation. 
Here’s what we found: There isn’t a single provider that offers the best rates for every driver, which makes sense considering the plethora of factors and formulas that make car insurance rates vary person-to-person and insurer to insurer. 
The best way to pin down the most affordable
car insurance rates
is to
shop around
and compare quotes from multiple providers. Rates aren’t all there are to consider either—claims handling and customer service practices matter, too! 
State Farm
,
GEICO
,
Progressive
,
Allstate
,
USAA
, and
Liberty Mutual
are each popular insurers in Cary. But the right insurer for you will depend on both personal preferences and details like your age and driving history. Here’s a look at how Cary drivers rated some popular insurers on a scale of 0 to 5. 
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4.1
3.5
4.4
USAA
4.3
3.7
4.8
4.3
State Farm
4.2
3.3
4.7
4.3
Geico
4.1
3.7
3.7
4.2
Liberty Mutual
3.9
3.2
3.7
3.8
There’s no one insurance company that offers the best rates for every driver. Providers all use their own algorithms and calculations to determine rates—so what might be best for you might look completely different for someone else. 
However, drivers in Cary can find affordable state minimum coverage with Progressive, Allstate and National General. Those interested in full coverage often find the most savings with Direct Auto, Kemper, and Nationwide.
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Cary

As per
North Carolina’s insurance laws
, all drivers in Cary must carry the state’s minimum liability coverage along with uninsured motorist coverage. In an at-fault state like NC, full coverage can help better financially protect your vehicle from damage.

Cheap minimum liability insurance quotes in Cary

To legally drive and register a vehicle in Cary, you must purchase North Carolina’s minimum liability coverage requirements—at least $30,000 per person and $60,000 per accident for
bodily injury liability
, plus $25,000 in
property damage liability
per accident.
This sequence of coverage is commonly referred to as 30/60/25 and will cover you up to those limits if you’re at fault for another driver’s injuries or property damage in an accident.  
Here are some cases where Jerry helped Cary drivers find minimum liability coverage at the cheapest rates.
card cover
Sean (27 years old)
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27513)
$145
per month
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Myra (38 years old)
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27518)
$121
per month
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Garrett (27 years old)
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27519)
$172
per month
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Alfred (29 years old)
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27518)
$95
per month
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Connor (42 years old)
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27511)
$69
per month

Do you need more than minimum coverage in Cary?

North Carolina’s minimum liability coverage is fairly low, so Cary drivers may want to consider higher limits or additional coverage.
It’s not uncommon for another driver’s medical expenses or a totaled car to result in costs of more than $40,000 after an accident—which can easily exceed that 30/60/25 limit. 
The bottom line: To keep yourself and your wallet protected, you should consider full coverage insurance, 50/100/50 liability coverage, or 100/300/100 liability coverage.

Cheap full coverage car insurance quotes in Cary

To protect yourself from the costs of repairing or replacing your car in the event of an at-fault accident,
full coverage car insurance
is your best—and only—option.
Full coverage includes
comprehensive
and
collision coverage
  • Collision coverage deals with the cost of fixing or replacing your car after an accident
  • Comprehensive coverage kicks in if your car is stolen or damaged by a non-collision incident
Lenders typically require collision and comprehensive coverage for a leased vehicle.   
The table below shows some recent examples of the cheapest full coverage policies that Jerry’s agents helped our Cary customers obtain. 
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$145
Craig, 27
Zip: 27513
Nissan Sentra SV
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$69
Cordelia, 37
Zip: 27511
Subaru Impreza Premium
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$61
Estelle, 44
Zip: 27519
Honda Pilot SE
• State Minimum Liability
• Comp / Collision
Nationwide
$121
Myra, 38
Zip: 27518
Honda Pilot Touring
• 50,000/100,000 Liability
• Comp / Collision
Dairyland
$99
Esther, 37
Zip: 27519
Hyundai Tucson SE
coverageLast Updated Apr 13, 2024
The best way to find the coverage you need at the best price in Cary is to compare rates from multiple companies. Jerry,
a top insurance agency
, offers a free app that streamlines this process, delivering quick quote comparisons and support from a network of over 100 licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Cary

After working with thousands of auto insurance policyholders in Cary, we’ve found that the average cost of minimum liability coverage is $95 per month or $1,140 per year. The average cost of full coverage insurance in Cary is $180 per month or $2,160 per year.
Average car insurance expenses can help you estimate potential insurance costs—but each driver’s insurance premium will be different. Your coverage type, driving history, zip code, vehicle make and model, age, and claims history will all impact your rate.
In Cary, insurance rates for minimum liability coverage typically start at around $76 per month while full coverage can cost closer to $174 per month. That said, costs can vary hundreds of dollars based on each driver’s specific profile.

Average cost of car insurance in Cary by zip code

Because accident rates and crime and theft statistics can vary by location within the same city, different zip codes in Cary may see different rates. If your neighborhood files more claims than others, insurers may flag your zip code as “high risk” and increase rates accordingly.
Here are some car insurance quotes Cary drivers received in different neighborhoods.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
27511
$87
$110
27513
$63
$127
27518
$40
$118
27519
$70
$142

Car insurance quotes in Cary by rating factors 

Insurance companies in Cary use multiple factors to
determine your car insurance rate
:
  • Your driving record and claims history: Safe drivers with clean driving records and zero insurance claims are typically quoted the lowest rates.
  • Where you keep and drive your car: Rates are usually higher for those who live in areas with higher crime rates and more claims filed. This can vary by zip code within the same city.
  • The kind of car you have: Minimum liability insurance and full coverage are more costly for high-tech, luxury, high-performance, and sports cars. 
  • How you use your car: If you only use your vehicle for leisurely driving, your car insurance rates will be lower than if you drive to and from work daily.
  • Your credit score: A higher credit score can bring down your rates.

How do different factors impact your car insurance costs in Cary?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, credit history, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Gender, age, education.
Learn more about the car insurance rating factors in Cary:

Cheap car insurance quotes in Cary after driving violations

Your driving history—including any tickets or accidents—will impact your auto insurance premium. A history of violations or at-fault accidents can indicate a higher risk level, which will result in higher rates. Some typical traffic violations that can impact your rates include:

Cheapest car insurance in Cary after speeding ticket

Not all
speeding violations
are the same; after all, driving 20 mph over the speed limit is more serious than 6 mph over the speed limit.
While having a speeding ticket on your record will usually leave you with a more expensive premium,
shopping around for auto insurance quotes
can still help you find the best rates for your situation. 
Jerry has helped many Cary drivers find cheaper rates on car insurance—even with tickets on their records!
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$86
Alvin, 22
Zip: 27513
Honda CR-V Touring
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
National General
$66
Jeremy, 48
Zip: 27519
Nissan Rogue Platinum
• 100,000/300,000 Liability
• Comp / Collision
Speeding 16-20
Travelers
$152
Maud, 28
Zip: 27511
Honda CR-V EXL
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 9, 2024

Cheapest car insurance in Cary after DUI

With a
DUI
on your driving record, most insurance companies in Cary will quote you higher-than-average rates. To secure the best rate after a DUI offense, it’s important to gather quotes from various providers.
Jerry frequently helps drivers score savings on their auto insurance after a DUI.
card cover
Paul (33 years old)
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27519)
$105
per month

Cheapest car insurance in Cary after an at-fault accident

Insurance companies use your history of at-fault accidents to assess your risk level. Recent at-fault accidents or numerous claims can significantly raise your premiums. 
North Carolina is an at-fault state. If you were deemed at-fault in a collision, your car insurance rates could skyrocket by as much as 15%—possibly more. 
Jerry has still helped Cary drivers save on car insurance with at-fault accidents on their
driving record
.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$112
Mario, 38
Zip: 27518
Honda Civic EX
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Allstate
$110
Virginia, 44
Zip: 27511
KIA RIO LX
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Nationwide
$78
Logan, 47
Zip: 27511
GMC Canyon SLE
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Safeco
$84
Jesse, 66
Zip: 27511
Chrysler 300 S
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 9, 2024

Cheapest car insurance in Cary after other driving violations

Speeding tickets and DUIs are serious, but they aren’t the only violations that can increase your car insurance premiums.
Reckless or careless driving
, driving without insurance, or driving without a valid license can all hike up your car insurance rates in Cary, too.
Browse the table below to see how Jerry has helped drivers save on their car insurance after serious violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Careless Driving
National General
$66
Philip, 48
Zip: 27519
Nissan Rogue Platinum
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Progressive
$208
Barbara, 42
Zip: 27518
Nissan Sentra S
• 100,000/300,000 Liability
• Comp / Collision
Improper Passing
Dairyland
$285
Ina, 24
Zip: 27513
Hyundai Sonata SE
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 13, 2024

Cheap car insurance quotes in Cary by age

Young drivers with minimal driving experience tend to pay higher premiums, even with a clean
driving record
. Senior drivers in their mid-70s also face higher insurance rates.

Cheapest car insurance in Cary for young drivers

Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Cary. This is because teen drivers are more likely to get into accidents due to their limited driving experience. 
It's therefore a good idea to ensure teen drivers have the protection of full coverage insurance—especially if they’re driving a newer vehicle. To keep those
teen car insurance
rates lower, consider keeping young drivers on a parent or guardian’s policy. 
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Alan (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27513)
carHonda CR-V Touring
$86
per month
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Luis (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27519)
$151
per month
card cover
Nathaniel (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27519)
$130
per month
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Oscar (21 years old)
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27511)
$291
per month
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Rosalie (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27511)
carFord Fusion S
$129
per month

Cheapest car insurance in Cary for senior drivers

Although they have a wider range of driving experience,
senior drivers
are more likely to get into
car accidents
that result in serious injuries and high medical bills. For this reason, older drivers may see a rise in their insurance rates once they reach 70 to 75 years old.
card cover
Allie (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27511)
$90
per month
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Jesus (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27518)
$78
per month

Cheap car insurance quotes in Cary based on insurance history

Whether you are currently insured—and have been consistently insured over time—can impact your car insurance rates. Any
lapse in your insurance coverage
can lead to higher premiums.
Jerry sends helpful payment reminders to qualifying customers to ensure on-time payments and avoid coverage lapses.
Uninsured customers and drivers with lapses in coverage can still find savings on their new policies with Jerry.
card cover
Gilbert (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27513)
$145
per month
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Ora (28 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27513)
$158
per month
card cover
Marguerite (44 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27519)
$61
per month
card cover
Lilly (38 years old)
Currently Insured
coverageCoverage
State Minimum
locationCary, NC
(Zip Code: 27518)
$121
per month
card cover
Emma (22 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationCary, NC
(Zip Code: 27519)
$130
per month

Cheap car insurance quotes in Cary for drivers with poor credit

In North Carolina, insurance companies use
credit scores
as a risk predictor for policyholders. While your credit rating isn’t a direct indicator of your driving habits, statistics show that individuals with low credit scores are more likely to file claims than those with high credit scores.
Jerry’s data shows that the average car insurance rate for drivers with credit scores over 750 is lower than rates for drivers with credit scores below 550.
Here’s how drivers with low credit scores saved with Jerry.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$91
Jacob, 37
Zip: 27513
KIA Forte EX
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Allstate
$262
Jeremy, 29
Zip: 27519
Maserati Ghibli
• 100,000/300,000 Liability
• Comp / Collision
660 - 750
National General
$117
Caroline, 43
Zip: 27519
BMW 330i
• State Minimum Liability
• Comp / Collision
550 - 659
Travelers
$69
Richard, 37
Zip: 27511
Subaru Impreza Premium
• 100,000/300,000 Liability
• Comp / Collision
< 550
State Auto
$130
Emma, 22
Zip: 27519
Chevrolet Sonic LS
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Apr 11, 2024

How to lower car insurance costs in Cary

1. Shop around and compare quotes

Each insurance company uses different methods to calculate your premium—methods that shift and change with time, too! Because of this, the best strategy for securing the most affordable rates is to compare quotes from at least three different insurers and shop for new quotes every six months. 
Luckily, Jerry can take all the hard work out of this process. In just 45 seconds, Jerry analyzes quotes from a pool of over 55 top insurers to pinpoint the best premiums available to you. Even better: Jerry provides this service completely free of charge! 

 2. Hunt for car insurance discounts

You can also shop for
car insurance discounts
as you shop for car insurance quotes. Most insurers have several discounts available, the most common of which include: 
  • Bundling home and auto insurance
    : You can usually take a percentage off multiple insurance types by purchasing policies through the same insurer. This also typically works with auto and renters insurance.
  • Good student discounts: Drivers who are full-time students in high school or college with a B average or better may luck out with lower car insurance rates. 
  • Telematics discounts: Some insurers use telematics apps to track your driving practices and offer discounts for safe driving—or even just signing up!
  • Defensive driver discounts: If you’re over 55, you can often cut costs on your premiums by completing a state-approved defensive driver course. 

3. Increase your deductible for comprehensive and collision coverage

To make your monthly payments more manageable, it may make sense to increase your deductibles for your comprehensive and collision coverage. This is especially true if you tend to drive safely or if your personal savings could accommodate higher out-of-pocket repair costs. 

FAQ

How much is car insurance in Cary?

People living in Cary pay on average $95 per month – or $1,140 per year – on state-minimum liability coverage. Full coverage in Cary costs on average $180 per month or $2,160 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Cary?

Based on thousands of Cary drivers Jerry has worked with, car insurance in Cary costs an average of $95 per month for state-minimum coverage and $180 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the best car insurance in Cary?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. 
Allstate
Geico
, and 
Nationwide
 receive good ratings from Cary drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry. 

What is the minimum car insurance in Cary, North Carolina?

The state-minimum car insurance in Cary, North Carolina is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.