Cheapest Auto Insurance in Cary, North Carolina (2025)

Drivers in Cary can expect to pay an average of $69 per month for car insurance. The city’s rates are barely lower than North Carolina’s monthly average of $75 but much cheaper than the national average of $144 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.

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.

Best insurer for people with a poor driving record: Nationwide

Best insurer for teens and young drivers: State Farm

Best insurer for military members, veterans, and their families: USAA

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.

Cheapest liability-only car insurance in Cary: Progressive

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 Progressive, with premiums that start at $54 per month.

The table below shows more cheap car insurance companies for liability-only insurance.

Cheapest full-coverage car insurance in Cary: Nationwide

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 $83. Below is a list of the most affordable car insurance companies for full-coverage insurance.

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. The specific coverage limits required in the state will increase on July 1, 2025. The table below reflects the change in requirements:3

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:

Cheapest car insurance for drivers with an incident

Driving incidents like speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations can make your insurance policy more expensive.4

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.

Cheapest car insurance for drivers with a speeding ticket: Progressive

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 $114 for full coverage and $75 for liability only. But drivers with speeding tickets on their record can find car insurance as cheap as $74. 

The following table displays the most budget-friendly car insurance options tailored for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Erie

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 $74. On average, though, they pay monthly rates of $119 for full coverage and $79 for liability-only insurance in Cary.

Below are the most affordable car insurance companies in Cary for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: Erie

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 $135 for full coverage and $90 for liability. Drivers with DUIs on their record can find car insurance as cheap as $87 in Cary. 

The car insurance companies below offer the best rates for drivers with a DUI in Cary.

Cheapest car insurance for seniors: Nationwide

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 $75 for full-coverage car insurance and $50 for a liability-only policy. Below, you’ll find the cheapest car insurance options for senior drivers in Cary.

Cheapest car insurance for teens: Progressive

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 $163 for full coverage and $108 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.

Cary car insurance quotes by credit tier

Auto insurance companies in North Carolina can use your credit history when determining your premiums.5

An excellent or good credit score indicates you’re less likely to file a claim. As a result, you may see lower rates on your policy compared to people with poor credit scores. 

Take a look at the average monthly cost of car insurance policies in Cary based on various credit tiers.

Is car insurance more expensive in Cary?

Cary drivers pay an average of $69 per month for car insurance, only slightly lower than North Carolina’s average of $75 but much lower than the national average of $144 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.