The average cost of homeowners insurance in Cary, North Carolina is $2,142 per year in 2026. This compares to the state average of $2,100 per year.
$2,142per year (avg in Cary)
$1326NC avg: $2,100$3162
Factors Affecting Home Insurance in Cary
🏠
Home Value Average: $310,000
🌪
Weather Risk high
🌊
Flood Zone 14% of properties
📈
Cost Index 1.02 (100 = national avg)
⚠️
Hurricane Zone: Cary is located in a hurricane-prone area. Home insurance premiums may include wind and storm surcharges. Coastal surcharges may apply to properties near the shoreline.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$248,000
$124,000
$100,000
$1,606
Standard (HO-3)
$310,000
$155,000
$300,000
$2,142
Premium (HO-5)
$387,500
$232,500
$500,000
$2,891
Auto Insurance in Cary, NC
The average annual cost of auto insurance in Cary is $1,632, compared to the North Carolina state average of $1,600.
$1,632per year (avg in Cary)
$1020NC avg: $1,600$2346
📋
Minimum Coverage in North Carolina: 30/60/25
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$897
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,632
Premium
250/500/250
$250 deductible
$250 deductible
$2,121
Health Insurance in Cary, NC
The average monthly health insurance premium in Cary is $592 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$592per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$426
$7,000
$9,100
Healthy, low usage
Silver
$592
$4,500
$9,100
Moderate usage
Gold
$740
$1,650
$8,700
Regular medical needs
Platinum
$888
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Cary
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in North Carolina are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$17
per month (avg in Cary)
Renters insurance in Cary covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Cary
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Cary, NC is $2,142 per year for a standard HO-3 policy. Rates range from $1,326 to $3,162 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Cary is $1,632 per year for full coverage. Liability-only coverage averages around $734 per year. North Carolina requires minimum coverage of 30/60/25.
Insurance costs in Cary are close to the national average (cost index: 1.02). Home insurance averages $2,142/yr and auto insurance $1,632/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.02), hurricane exposure, average home values ($310,000), your personal claims history, credit score, and at-fault insurance laws in North Carolina.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Cary residents can potentially save $755+ per year.
North Carolina requires minimum auto liability coverage of 30/60/25 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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