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Cary Car Insurance

The state of North Carolina boasts the 4th lowest car insurance rates in the U.S. The city of Cary in North Carolina is not among the cities with the very lowest rates, but licensed drivers in Cary who have relocated from other states are usually pleased with the low car insurance rates that are enjoyed by all NC drivers. Still, there are many licensed drivers in Cary North Carolina who pay more than necessary for car insurance.

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Although car insurance coverage is standard throughout the U.S, every state has different laws that affect the prices of insurance premiums. Since Cary is in the state of North Carolina, the city’s car insurance rates are affected by the state law that sets legal maximums for car insurance that is unique to this state. For most North Carolina drivers, this unusual law keeps car insurance rates low.

Unfortunately, safe drivers who could possibly qualify for even lower rates in other states will pay more in North Carolina because they are paying for a greater share of the risk caused by accident prone drivers. It could be argued that the high percentage of safe drivers in Cary compared to other cities nationwide causes the safe drivers of Cary to pay more than their fair share.

Since the average car insurance premium in North Carolina is 425 dollars less per year than the national average for standard coverage, Cary drivers seem to tolerate this inequity.

SDIP Points

Insurance companies in North Carolina rate driver risk by the legislatively enacted Safe Driver Incentive Plan. SDIP points are assessed against drivers for traffic violations and at-fault accidents.

1 SDIP point can be issued for the following charges:

  • Moving violations
  • At-fault accidents that result in bodily injury if bodily injury damages are 1800 dollars or less or resulting property damage of 1800 dollars or less. No points will be assessed if proof is furnished that medical costs were limited to diagnostics. The 1800 dollars includes insured’s own property.
  • Speeding tickets that are for less than 10 mph over speed limit if speed is less than 55 mph.
    The following citations or accidents will be assessed 2 points and will increase the standard premium by 45 percent or about 435 dollars per year.
  • Illegal Passing
  • Following too closely
  • Driving on the wrong side of the road
  • Having an at-fault accident resulting in total property damage of more than 1,800 dollars and less than 3,000 dollars total including damage suffered by the insured.
  • Exceeding the speed limit by more than 10 mph if actual speed is more than 55 mph and less than 76 mph.

1 SDIP point will result in an increase of the standard premium by 30 percent or approximately 390 dollars per year.

3 SDIP points can be issued for the following charges:

  • An at-fault accident resulting in death
  • total bodily injury with medical expense exceeding 1,800 dollars for one person and exceeding 3,000 dollars in property damage to all parties involved including insured.

3 SDIP points will result in insurance premiums increased by 45 percent, a cost of roughly 480 dollars annually.

4 SDIP points can be issued for the following charges:

  • Reckless driving
  • Hit-and-run resulting limited to property damage.
  • Passing a stopped school bus.
  • Speeding in excess of 75 mph when the speed limit is less than 70 mph.

4 points will result in rates to increase 80 percent which is 540 dollars per year.

8 SDIP Points can be issued for the following charges:

  • driving with a revoked or suspended license
  • cited by traffic official for aggressive driving

8 SDIP points will result in insurance premium will go up 195 percent or 885 dollars.

10 SDIP points can be issued for the following charges:

  • manslaughter
  • negligent homicide
  • highway racing.

10 SDIP points will result in a 260 percent increase which is an additional 1060 dollars on a basic premium.

12 SDIP points can be issued for the following charges:

  • Manslaughter, negligent homicide or highway racing.
  • Hit and run resulting in death or bodily injury.
  • Driving with a blood-alcohol level of .08 or higher.
  • Operating a commercial vehicle with a blood-alcohol level of .04 or higher.
  • Driving while impaired by other substances.
  • Transporting illegal alcohol for sale.
  • Speeding to elude arrest.

12 SDIP points will result in car insurance premiums increasing by 340 percent or 1320 dollars per year.

The amounts for SDIP point related insurance increases are based on legally mandated car insurance maximums established by North Carolina State Law. The best companies for certain types of drivers in Cary, North Carolina have been identified below. North Carolina has no legally mandated minimum insurance prices, so it is likely that careful shopping and research will save some money.

Best Prices for Safe Drivers

Drivers with no at-fault accidents, DUIs or moving violations will pay an average of 63 dollars per month with USAA insurance and 72 dollars per month with Geico.

USAA is only available to active members of the military, veterans, widows and former spouses and children of USAA members.

Geico is still reasonable at only 9 dollars per month more for the same coverage. Unfortunately, there are no Geico or USAA insurance offices in Cary, but services for licensed drivers in Cary would be available online.

Best Prices for Drivers Under the Age of 25

Drivers under 25 years of age who are also good students get the best car insurance rates again from Geico and USAA. Geico charges 59 dollars per month for this driver and USAA charges 63 dollars per month.

High-Mileage Drivers in Cary

High-mileage drivers drive more than 40 miles per day. Nationwide provides standard coverage in Cary for this driver at 63 dollars per month. The same coverage is provided by State Farm Insurance for 72 dollars per month. There are 3 Nationwide insurance agency offices in Cary and 3 State Farm insurance agency offices.

Drivers with Imperfect Records

If drivers with imperfect records take defensive driving classes, standard insurance is available for 71 dollars per month through Nationwide and 121 dollars per month from State Farm.

State Farm boasts a better customer service record while Nationwide gets good marks for providing special assistance after car accidents.

Standard coverage is also called “full coverage” in Cary, North Carolina. Standard coverage or full coverage is any car insurance beyond the legally required liability with uninsured and under-insured motorist coverage. To find the best coverage, try using a comparison tool to find the best rates nearest you.

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