Cary Car Insurance

The Zebra
May 30, 2018

Car Insurance in Cary

On average, Cary premiums sit under North Carolina's average by 10%. Keep some money in your pocket by following the tips below about how to save on car insurance in Cary.

  • City Average: $777
  • State Average: $865
  • National Average: $1,427

Cary Car Insurance by Accident or Violation History

By avoiding driving mishaps that can balloon your rates, you can not only save yourself money, but become a safer driver. In Cary, drivers with a DUI have rates nearly double the average for the city ($777). Reckless driving will also drive your premiums up, with average rates of $3,259! The value of the damage caused by an accident plays a part in how drastically insurance rates will rise. When comparing premiums for drivers with at-fault accidents in Cary, those with damages exceeding $2,000 pay 10% more than those with damages less than $1,000.

  • DUI: $1,503
  • Reckless Driving: $3,259
  • At-fault Accident (damages less than $1000): $1,068
  • At-fault Accident (damages greater than $2000): $1,180
  • Speeding Ticket (16-20 mph over speed limit): $1,160

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Cary Car Insurance by Gender and Marital Status

Both gender and marital status are among the various driver attributes that play a part in car insurance premiums in Cary. However, males have premiums that are only a little cheaper than those for females. There is no difference in rates between those who are single and those who are widowed or divorced. On the other hand, being single (as opposed to married) doesn't significantly affect your premiums, it does save you a small amount on car insurance.

  • Female: $780
  • Male: $777
  • Single: $777
  • Married: $783
  • Divorced: $777
  • Widowed: $777

Cary Car Insurance by Age

With car insurance payments of $1,738 on average, teenage drivers have the largest premiums of any age group. Drivers in their 50s save money on insurance payments, as they have the lowest rates among all age groups, paying only $763 each year. However, people in their 40s ($769) and 30s ($777) have premiums that aren't much higher. The most significant decrease in premiums between any age group is from the teenage age range to the 20s, as drivers in Cary start paying $946 less in premiums. Turning 60 causes an increase in rates, but up until that age drivers can anticipate premium reductions when they move from one age group to the next.

  • Teenagers: $1,738
  • 20s: $792
  • 30s: $777
  • 40s: $769
  • 50s: $763
  • 60s: $778
  • 70s: $815

Cary Car Insurance by Credit Rating

The variance between average car insurance premiums in Cary for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $169 a year. Drivers will see the largest drop in premiums when they upgrade their credit from Good (670-739) to Very Good (740-799). That change can save them $66 per year.

  • Very Poor: $925
  • Fair: $901
  • Good: $850
  • Very Good: $784
  • Exceptional: $756