Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

How much does auto insurance cost in Cary?


The typical Cary driver pays $856 per year for auto insurance. That's less expensive than the average across North Carolina ($955) and cheaper than the national average of $1,548. Our guide to Cary auto insurance includes average rates based on age, credit score, driving history and marital status. Read on to learn more!

Cary Average (annual) North Carolina Average National Average
$856 $955 $1,548
Skip to:


Cary car insurance rates by company


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, GEICO provides Cary's cheapest rates. Reference below the top options for affordable insurance in Cary. Don't forget to get car insurance quotes based on your unique driving profile.

Company Average Yearly Rate
GEICO $484
North Carolina Farm Bureau $698
State Farm $737
Erie $740
Nationwide $824

Consult our expert guide and find the best cheap car insurance.


Cary auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Cary are drivers in their 60s, who pay an average of $799 per year. Those in their 50s don't pay significantly more ($800).

The Cary drivers facing the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Cary is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Cary is $997, the largest such difference between any two age brackets.

Age Average Yearly Rate
Teenagers $1,931
20s $934
30s $849
40s $834
50s $800
60s $799
70s $851


Cary car insurance rates by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Cary pay $6 more than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums, but men and women typically pay the same rates for auto insurance in Cary.


Marital Status/Gender Average Yearly Rate
Female $856
Male $856
Single $861
Married $861
Divorced $856
Widowed $856


Cary auto insurance premiums by violation history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Cary drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $743 per year versus the city average. A ticket for speeding results in a $442 rate hike while a DWI or DUI violation costs $3,049per year in extra insurance expenditures.

Incident Average Annual Rate
DWI/DUI $3,904
Reckless Driving $1,598
At-fault Accident (damages less than $1,000) $1,147
At-fault Accident (damages > $2,000) $1,415
Speeding Ticket (16-20 mph over speed limit) $1,297


Cary auto insurance rates by credit score


Credit score is often closely correlated with car insurance costs. Cary drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 42% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Cary, moving into the "Fair" credit tier corresponds to an average of $362 in savings on insurance each year.

Credit Level Average Rate (annual)
Very Poor $1,369
Fair $1,007
Good $856
Very Good $830
Exceptional $792

Compare rates today.

Location pin icon
glyph-shield-checkmark No junk mail. No spam calls. Free quotes.
Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.