Ways to Lower the Cost of Car Insurance in Cary, NC

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The average cost of auto insurance in Cary, NC, is $940, and it ranges between $677 and $1,223. This is lower than most neighboring places such as Cedar Fork, Triangle, and Meredith. It is also lower than the state average of North Carolina. Residents of Cary should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. A thorough comparison can help residents save up to $380. Here are some ways to increase savings in Cary.


Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Cary, NC, post-DUI, increases to $1,748. However, this is also dependent on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. It increases to $4,964 for male teenagers, while female teenagers find themselves paying $4,317 on an average, post-DUI. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Cary. Other violations that can have a long-term impact on auto insurance in Cary include driving with an expired license and running a red light. 

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.


Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Cary at a lower deductible ($500) for a Subaru Legacy 3.6 R is $990. It decreases to $920 when the deductible is higher ($1,000).

Multi-Car Insurance:

Car owners in Cary, NC, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Cary, NC, is $1,786, while it would cost $3,666 for four cars. The savings on multi-car insurance in Cary also depends on the make and model of the vehicle.

Credit Score:

Having an “excellent” or “good” credit score will also help car owners save on auto insurance in Cary, NC.