Cheapest and Average Car Insurance Cost in Cary, NC

• For cheap car insurance in Cary, small SUV models like the Chevrolet Trailblazer, Kia Soul, and Nissan Kicks rank near the top.
• Models with the lowest cost auto insurance in Cary for their segment include the Honda Passport ($1,370 per year), Mercedes-Benz CLA250 ($1,770 per year), Acura Integra ($1,530 per year), and Chevrolet Colorado ($1,516 per year).
• Car insurance rates for a few popular models in Cary include the Jeep Wrangler at $164 per month, Ram Truck at $166, and Toyota Tacoma at $145.
• Auto insurance quotes in Cary can vary from as little as $35 per month for the minimum required liability coverage to well over $656 per month for drivers needing high-risk coverage.

Cheapest car insurance in Cary, NC

When comparing all car, pickup truck, and SUV models, the vehicles with the cheapest car insurance quotes in Cary, NC, tend to be crossovers and small SUVs like the Kia Soul, Subaru Crosstrek, Nissan Kicks, and Hyundai Venue.

Average car insurance prices for vehicles ranked in the top ten cost $1,410 or less per year for a full coverage policy.

A few other models that come in near the top in our overall cost comparison are the Ford Bronco Sport, Subaru Outback, Acura RDX, and Nissan Murano.

Average auto insurance rates are somewhat higher for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have average rates of $1,496 or less per year, or around $125 per month in Cary.

The table below shows the 40 cars, trucks, and SUVs with the cheapest insurance rates in Cary, sorted by average cost.

Some other popular models ranked in the top 40 table above include the Volkswagen Atlas Cross Sport, Mazda CX-30, Nissan Leaf, GMC Terrain, and Chevrolet Colorado. Rates for those models cost between $1,496 and $1,568 per year in Cary.

To help put these rates in perspective, some examples that have more expensive insurance rates include the Dodge Durango which costs $176 per month, the Ram Truck that averages $166, and the Audi e-tron at an average of $179.

The next section showcases the average cost of car insurance by vehicle segment. The average rates shown will give you a good foundation of the automotive segments that have the overall best auto insurance rates in Cary.

Cheapest rates by automotive segment

If you’re considering buying a different vehicle, it’s important to have a basic understanding of which categories of vehicles have less expensive car insurance rates in Cary.

The chart below displays average car insurance rates in Cary for different vehicle segments. In general, compact SUVs, vans, and midsize pickups tend to have the most affordable rates, with sports cars and performance luxury models having the highest average cost to insure.

Segment average rates are useful when making a general cost comparison, but rates can vary significantly within each segment shown above.

For example, in the small SUV segment, insurance rates range from the Subaru Crosstrek at $1,272 per year for full coverage insurance to the Ford Mustang Mach-E at $2,010 per year.

In the small luxury car segment, the cost of insurance varies from the Acura Integra at $1,530 per year to the BMW M340i at $2,098 per year.

For this reason, it’s important to get as detailed as you can about the make, model, and trim of the vehicle when comparing car insurance. Even for an individual model, rates can vary considerably between the cheapest and most expensive trim level.

How much is car insurance in Cary, North Carolina?

The average price for car insurance in Cary is $1,720 per year, which is 25.4% less than the overall U.S. national average rate of $2,221 per year. Average car insurance cost per month in Cary is $143 for a full-coverage car insurance policy.

In North Carolina, the average price for car insurance is $1,822 per year, so the average cost of car insurance in Cary is $102 less per year than the state average.

The cost to insure a vehicle in Cary compared to other North Carolina locations is about $86 per year less than in Greensboro, $322 per year cheaper than in Fayetteville, and $104 per year cheaper than in Raleigh.

The age of the rated driver has a significant impact the cost of auto insurance, so the list below illustrates these differences by showing average car insurance rates in Cary for drivers from age 16 to 60.

Average cost of car insurance in Cary, NC, for drivers age 16 to 60

• 16 year old – $6,127 per year or $511 per month
• 17 year old – $5,935 per year or $495 per month
• 18 year old – $5,319 per year or $443 per month
• 19 year old – $4,843 per year or $404 per month
• 20 year old – $3,460 per year or $288 per month
• 30 year old – $1,834 per year or $153 per month
• 40 year old – $1,720 per year or $143 per month
• 50 year old – $1,526 per year or $127 per month
• 60 year old – $1,428 per year or $119 per month

The chart below shows examples of average Cary car insurance cost. Rates are averaged for all Cary Zip Codes and shown for an assortment of driver ages, policy deductibles, and driver risk scenarios.

In the chart above, the cost of car insurance in Cary ranges from $1,430 per year for a 40-year-old driver with many policy discounts to $3,956 per year for a 30-year-old driver with too many violations and accidents. From a monthly point of view, the average cost in the chart above ranges from $119 to $330 per month.

Cary car insurance rates can cost significantly different amounts and can change frequently. This large rate variability increases the need to get multiple auto insurance quotes when trying to find the cheapest car insurance coverage.

The cost to insure popular vehicles

The car insurance costs referenced previously are averaged for all 2024 vehicle models, which is suitable when making overall comparisons like the difference in average auto insurance cost for two different locations in North Carolina.

Average auto insurance rates work well when trying to find the answer to questions like “are Cary car insurance rates cheaper than in Charlotte?” or “are car insurance rates in North Carolina cheaper than in Florida?”.

For more comprehensive price comparisons, however, the data will be more precise if we analyze the specific model of vehicle being insured. Every model has a unique risk profile for car insurance rating and this data enables us to get a good idea of how much insurance will cost on each vehicle based on different driver and policy characteristics.

The following chart breaks down average insurance cost for some of the most popular vehicles sold in North Carolina, with rates adjusted for Cary Zip Codes.

If you compare the models listed in this chart to the previous table showing the top 40 cheapest models to insure, you’ll find that only about the first two popular models rank as the cheapest.

Since there are many, many factors that go into calculating the cost of a policy, it’s difficult to determine exactly what makes some vehicles more expensive than others.

One possibility is a higher vehicle value, like a BMW Alpina B8 which averages $144,900 or an Audi SQ7 with an average purchase price of $90,400. Those two models would definitely not be ranked in the cheapest vehicles to insure.

Another factor is how safe a vehicle keeps occupants in an accident, and the likelihood of having medical claims or liability claims. A couple vehicles that have higher liability insurance cost include the Volkswagen Jetta and the Ford Bronco.

Vehicle usage is also a factor, like if a vehicle tends to be used primarily as a work vehicle or for off-roading. Heavy-duty pickups like the Ford F-250 and F-350 and the Chevy Silverado 2500 HD and 3500 HD models have higher liability rates for this reason.

Tips for getting cheaper Cary auto insurance quotes

You can’t control everything that goes into the cost of car insurance, like your age or gender, but there are a lot of things you can control, like how you drive or the vehicles you buy. The list below goes into some of the ways you can cut the cost of your next policy.

• Remain claim free and save. Most insurance companies give a discounted rate for not filing any claims. Auto insurance should only be used to protect you from large financial hits, not minor claims that should be paid out-of-pocket.
• Shop around anytime. Taking a few minutes to get some free car insurance quotes is our top recommendation for saving money on car insurance. Rates change quite often and you can change companies at any time.
• Research discounts to save money. Savings may be available if the policyholders work in certain occupations, are senior citizens, choose electronic billing, belong to certain professional organizations, or many other discounts which could save the average Cary driver as much as $290 per year on auto insurance.
• Safe drivers have cheaper auto insurance. Too frequent at-fault accidents can raise rates, potentially by an additional $2,456 per year for a 20-year-old driver and even as much as $420 per year for a 60-year-old driver. So be a careful driver and save!
• Compare insurance cost before buying a car. Different cars, and even different trim levels of the same car, have very different costs for insurance, and insurers can price policies with very different rates. Check the price before you buy a new vehicle in order to prevent any surprises when buying coverage for your new car.
• Violations and tickets cost more than a fine. To get cheap auto insurance in Cary, it pays to avoid traffic citations. In fact, just one or two traffic citations could possibly increase policy cost by up to $458 per year. Major violations like failing to stop at the scene of an accident could raise rates by an additional $1,600 or more.