Cheap Car Insurance in Cary, NC

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

We think drivers and Carrie deserve cheap auto insurance in Cary, NC. And we want to help them get it. With our website, the car insurance comparison shopping experience is easier than it’s ever been.

All you need is your 5-digit zip code, and you’ll be minutes away from finding the most affordable monthly premiums that Cary, North Carolina auto insurance companies have to offer.

Use our FREE quote tool to compare insurance rates today!

Cary, NC may only be the seventh largest municipality within the state of North Carolina, but it is the second largest Incorporated town in the entire country.

The number one spot is currently held by Gilbert, Arizona. It is also the fifth fastest growing city in the United States as evidenced by the fact that it grew over 43% between 2000 and the 2010 census.

  • Fun fact: Are you ready to light it up? Because in Cary, you have the fifth largest population of men in the wholesale electronic markets, agents, and Brokers Industries. learn more fun facts about Cary, NC by clicking here.

Auto Insurance Coverage Requirements in North Carolina

Driving legally in Cary requires:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury 30,000/60,000 100,000/300,000
Medical Payments Not required 2,000
Collision Not required 250 deductible
Comprehensive Not required 0 deductible

Do you know what the difference is between the amount of coverage most people purchase, and the minimum legal requirements in your state? As it turns out, quite a lot. And that difference can be a very expensive one for you if you choose the wrong amount of coverage.

It’s good to have plenty of liability because otherwise if you cause an accident that your liability coverage won’t pay for, you could be sued in court for thousands or millions of dollars in damages.

And if you don’t purchase comprehensive or collision coverage – especially on a newer vehicle – you may have to make all of those repairs or replacements straight out of pocket.

Some people in North Carolina don’t bother looking for a better deal because they’re paying about the average rate as everyone else in the state – around $87 a month. Yes, it feels great not to have to pay triple-digits for your monthly car insurance policy.

But could you be paying even less than that? We’ve helped people get car insurance coverage for as low as $57 a month or less! So we believe it’s worth giving a try, at least.

Average Monthly Auto Insurance PremiumsLegend: Cary State FarmAllied Penn NationalNationwideNC Farm Bureau 71421283542495663707784$58$65$82$87$55

State Farm and the North Carolina Farm Bureau are putting in some work to compete with major players like Nationwide. But just because they’re undercutting the competition price-wise doesn’t mean they’re the right provider for you.

It’s important to make sure you do your research when it comes to picking an auto insurance company – a low price alone won’t guarantee that you’re getting the best coverage your money can buy.

Looking at your car insurance company from multiple angles is especially important for drivers who need more affordable North Carolina auto insurance.

When there are so many companies offering so many affordable prices for basic coverage, it may be worth paying a few dollars more to know that they have an excellent reputation for settling claims and helping customers. It’s all about balancing your needs and your budget.

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Major Car Insurance Factors in Cary

Did you know that there are 437 different variables that your insurance company calculates before they offer you a quote for your insurance policy? We don’t know, either, because that number is a wild guess on our part.

But the insurance industry is so complicated that number could be spot-on – or it could be a gross underestimation!

Your Zip Code

Out of the 164,007 people who live in Cary, the average take-home salary is $100,167 per year. People seem to be living the good life in Cary! This is nearly double the state average as a whole.

Another bit of good news from this is that higher property values tend to attract lower insurance rates – but sharing the road with over 164,000 other drivers could bring them back down.

Auto Insurance by Zip CodeLegend: Cary Charlotte Greensboro Allied NationwideNC Farm Bureau 71421283542495663707784$65$25$23$87$25$24$55$88$66

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Automotive Accidents

The graph down below sounds completely unbelievable for a city as large as Cary, North Carolina. But the data doesn’t lie.

Driving around in Cary is so safe that there were only two lethal accidents reported last year. This inconceivably low rate of serious accidents means that you’re almost assured to get a much more affordable rate on your monthly premium.

Fatal Accidents in Cary, NCLegend: Cary Fatal AccidentsVehicles Involved in Fatal AccidentsFatal Crashes Involving Drunk PersonsFatalitiesPersons Involved in Fatal CrashesPedestrians Involved in Fatal Crashes 123221231

Auto Thefts in Cary

There were 59 automobile thefts in carry last year – a bit of an uptick from the previous year which reported 55 stolen vehicles.

But remember: we’re talking about a city with a population of over 160,000 people. it doesn’t hurt to be proactive and make sure there’s a passive alarm system installed on your vehicle, just in case – but we’re pretty sure that the threat of auto theft isn’t drastically raising the price on your auto policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allied NationwideNC Farm Bureau 153045607590105120135150165180195210$65$172$87$221$55$168

Your Credit Score

Do you have good credit? well, if you’re living in Cary, odds are probably good that you do. And if you have good credit, you can definitely look forward to getting a better deal on your car insurance rates.

Just look at the graph below. The data doesn’t lie – auto insurance providers really like it when their customers have good credit scores, and they like to reward those scores with lower rates.

Auto Insurance by Credit ScoreLegend: Good Credit Poor Credit Allied NationwideNC Farm Bureau 102030405060708090100$65$86$87$101$55$79

Your Age

Being a young driver can be a blessing and a curse. For the first time in your life, you have the freedom to go anywhere you please whenever you want (within reason, of course).

But at the same time, the road is a dangerous place for drivers who don’t have very much experience. That’s why you’ll need to make sure you can prove that you get good grades and/or that you’ve graduated some type of driver’s education course before you can even think about getting discounts on your car insurance.

And even then, the sting of your monthly premiums will take a significant chunk out of your paycheck until right around your mid-twenties.

Auto Policy Age ComparisonLegend: 17 Year Old Driver 35 Year Old Driver Allied NationwideNC Farm Bureau 255075100125150175200225250275300$263$65$290$87$305$55

Your Driving Record

The safer of a driver you are, the better. Car insurance companies usually charge less money for drivers who have a clean record because the longer your history of not having an accident, the more likely your record will stay clean for the foreseeable future – and the less likely you are to file expensive claims in the future.

But if you don’t have a perfect record, it’s okay. You’ll pay a little bit more in the meantime, but after a few years, those tickets and accidents will be gone from your record and they won’t count against you anymore.

Driving ViolationsLegend: Perfect Record Minor Violation Major Violation Allied NationwideNC Farm Bureau 20406080100120140160180200220240$65$116$235$87$121$225$55$90$246

Your Vehicle

Lots of people might not know but their car insurance policy follows their vehicle more than it does themselves as the driver.

Otherwise, why would an insurance company even bother asking you about what you drive or how old your vehicle is? Sure, when it comes to legally mandated liability coverage, it doesn’t really matter.

But if you have a newer vehicle which requires things like comprehensive, collision, our gap-loss coverage, it can matter a great deal – especially to your monthly budget.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2015 Chevy Corvette Allied NationwideNC Farm Bureau 306090120150180210240270300330$65$249$87$334$55$243

Minor Car Insurance Factors in Cary

Of course, tweaking some of the factors below can add up to some extra savings over time:

Your Marital Status

The biggest way to leverage your union to your advantage is to see if you can bundle your insurance policy without of your spouse’s under the same company. This can be especially lucrative if you are newly married and the two of you are currently under two different insurance providers.

These discounts can range anywhere from 10 percent to 15 percent if you play your cards right.

Your Gender

These days, very few companies alter their monthly premiums based around gender anymore. But there are some companies who still observe this practice. What’s worse is that, from one company to another, some providers will charge men more while other insurance companies will raise their prices for females.

To make sure you’re getting the best deal, contact your insurance agent and ask them about how their business handles this particular practice.

Your Driving Distance to Work

Unfortunately, the part of town where the breadwinners from Cary earn their paycheck is a considerable distance from where they live.

The average worker will spend 20 to 25 minutes getting from home to work, and as much time or more on the trip back. Not only is that close to an hour or more each day for your work commute, but you’re also sharing the road with 80 percent of the workforce of Cary.

Fewer than 20 percent of people who live in the city take public transportation or try to carpool with coworkers, meaning the roads are a little bit more congested than cities of a similar size.

There are certain programs which can help you get a substantial discount off your monthly premiums – but if you’re in the 80 percent majority of Cary citizens who spend long commutes stuck in rush-hour traffic, it may not be for you.

Getting this discount requires you to plug a tracking device in your vehicle so the insurance company knows how many miles you drive and – almost as importantly – when you drive them.

Driving significantly fewer miles than the average motorist, as well as driving those miles outside of rush hour traffic windows, can save you upwards of 30 percent or more.

Your Coverage and Deductibles

Where do you have your deductible set right now? And did you set it for yourself, or did your insurance company decide on it for you? If you just let your insurance company make that decision for you, then you may want to revisit the issue.

High deductibles will get you a lower monthly premium and save you money over time…but you should really make sure that you save up that deductible money and keep it in a safe place to only use for emergencies. Otherwise, paying your deductible and getting yourself back on the road can be extremely time-consuming and expensive.

Education in Cary, NC

Is it really a surprise that in a city like Cary – with an average median household income of six figures and unbelievably low crime rates – nearly 40% of the population has at least a bachelor’s degree?

That’s just about twice the state average. another 21% also have a master’s degree. On top of all the other benefits of having a degree, you can look forward to car insurance discounts, too.

If you’re looking for a higher education that you can obtain within the Cary city limits, you have a few different options: the Miller-Motte College-Cary, the Cary Campus of the ITT Technical Institute, and the Shepherds Theological Seminary.

If you’re willing to commute a little bit, there are major institutions like Duke University, the University of North Carolina at Chapel Hill, North Carolina Central University, or the North Carolina State University at Raleigh campus.

Besides altering your deductible, purchasing less coverage, getting married, or pursuing and even more advanced degree than you already have…what more can you do to save money on your monthly car insurance premiums? Well, you can comparison shop with us.

We have the resources necessary to help you compare quotes between several different companies right now. All it takes is your zip code, and we can help you save as much as 36% or more in just a few minutes!

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Use our FREE quote tool to compare insurance rates today!



Free Auto Insurance Comparison

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