Best Apex, NC Car Insurance in 2026
Car insurance in Apex, NC averages $250 a month. Apex, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Apex car insurance rates, compare quotes from the top car insurance companies in Apex, NC.
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Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Michael Vereecke
Updated October 2024
- Average car insurance rates in Apex, NC after a DUI are $5,636/year
- The cheapest car insurance company in Apex is Liberty Mutual
- The cheapest car insurance company in Apex for teen drivers is Liberty Mutual
If you need to buy Apex, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Apex, NC is right here.
You’ll find Apex car insurance rates, the cheapest Apex, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Apex, North Carolina car insurance rates to Raleigh car insurance rates, Cary car insurance rates, and Winston-Salem car insurance rates.
Ready to find affordable Apex, NC car insurance today? Enter your ZIP code for fast, free Apex car insurance quotes.
Cheapest Apex, NC Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Apex, NC car insurance rates? Every Apex, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $5,037 | $5,037 | $4,130 | $4,130 | $12,159 | $12,159 | $5,136 | $5,136 |
| Geico | $2,332 | $2,287 | $2,301 | $2,258 | $4,353 | $4,315 | $2,036 | $2,024 |
| Liberty Mutual | $1,641 | $1,641 | $1,698 | $1,698 | $2,931 | $2,931 | $1,641 | $1,641 |
| Nationwide | $1,914 | $1,914 | $1,914 | $1,914 | $3,284 | $3,284 | $1,914 | $1,914 |
| Progressive | $1,522 | $1,522 | $1,398 | $1,398 | $3,731 | $3,731 | $1,713 | $1,713 |
| State Farm | $2,205 | $2,205 | $1,908 | $1,908 | $3,256 | $3,256 | $2,723 | $2,723 |
| Travelers | $2,379 | $2,379 | $2,360 | $2,360 | $4,073 | $4,073 | $2,442 | $2,442 |
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Minimum Car Insurance in Apex, NC
Every driver must carry the minimum car insurance required by the state in Apex, NC. Take a look at the North Carolina car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Apex, NC Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Apex, NC. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Apex from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,907 | $5,825 | $5,114 |
| Geico | $2,967 | $2,725 | $2,523 |
| Liberty Mutual | $1,978 | $1,978 | $1,978 |
| Nationwide | $2,256 | $2,256 | $2,256 |
| Progressive | $2,355 | $2,044 | $1,874 |
| State Farm | $3,540 | $2,266 | $1,762 |
| Travelers | $3,018 | $2,735 | $2,689 |
Cheapest Apex, NC Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Apex, NC to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,585 | $6,331 | $11,704 | $4,841 |
| Geico | $1,505 | $2,214 | $5,182 | $2,053 |
| Liberty Mutual | $1,183 | $1,516 | $3,698 | $1,516 |
| Nationwide | $1,336 | $1,721 | $4,247 | $1,721 |
| Progressive | $995 | $1,446 | $4,524 | $1,399 |
| State Farm | $1,342 | $1,945 | $4,859 | $1,945 |
| Travelers | $1,650 | $2,210 | $5,239 | $2,156 |
Cheapest Apex, NC Car Insurance for Teen Drivers
Teen car insurance in Apex, NC can be expensive. Take a look at rates from the top car insurance companies in Apex for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,159 | $12,159 |
| Geico | $4,353 | $4,315 |
| Liberty Mutual | $2,931 | $2,931 |
| Nationwide | $3,284 | $3,284 |
| Progressive | $3,731 | $3,731 |
| State Farm | $3,256 | $3,256 |
| Travelers | $4,073 | $4,073 |
Cheapest Apex, NC Car Insurance for Seniors
Take a look at Apex, NC rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,130 | $4,130 |
| Geico | $2,301 | $2,258 |
| Liberty Mutual | $1,698 | $1,698 |
| Nationwide | $1,914 | $1,914 |
| Progressive | $1,398 | $1,398 |
| State Farm | $1,908 | $1,908 |
| Travelers | $2,360 | $2,360 |
Cheapest Apex, NC Car Insurance Rates After a DUI
A DUI in Apex, NC increases car insurance rates. Compare Apex, North Carolina car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $11,704 |
| Geico | $5,182 |
| Liberty Mutual | $3,698 |
| Nationwide | $4,247 |
| Progressive | $4,524 |
| State Farm | $4,859 |
| Travelers | $5,239 |
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Cheapest Apex, NC Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Apex, NC by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,615 | $6,615 |
| Geico | $2,738 | $2,738 |
| Liberty Mutual | $1,978 | $1,978 |
| Nationwide | $2,256 | $2,256 |
| Progressive | $2,091 | $2,091 |
| State Farm | $2,517 | $2,529 |
| Travelers | $2,814 | $2,814 |
Cheapest Apex, NC Car Insurance Rates by ZIP Code
Apex car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Apex, NC.
| ZIP Code | Average Annual Rates |
|---|---|
| 27502 | $2,687 |
| 27523 | $2,718 |
| 27539 | $2,775 |
The Best Cheap Car Insurance Companies in Apex, NC
Take a look at a side-by-side comparison of the top car insurance companies in Apex, NC to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,615 |
| Geico | $2,738 |
| Liberty Mutual | $1,978 |
| Nationwide | $2,256 |
| Progressive | $2,091 |
| State Farm | $2,523 |
| Travelers | $2,814 |
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Category Winners: Cheapest Car Insurance in Apex, North Carolina
Find the cheapest car insurance companies in Apex, NC for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Progressive |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Progressive |
Cheapest Apex, NC Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Apex car insurance rates. Find the cheapest Apex, NC car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,361 | $6,588 | $6,897 |
| Geico | $2,621 | $2,728 | $2,866 |
| Liberty Mutual | $1,886 | $1,966 | $2,082 |
| Nationwide | $2,166 | $2,245 | $2,358 |
| Progressive | $1,986 | $2,078 | $2,210 |
| State Farm | $2,426 | $2,509 | $2,633 |
| Travelers | $2,699 | $2,799 | $2,943 |
What affects car insurance rates in Apex, North Carolina?
What are the factors that affect car insurance rates in Apex, NC? There are several reasons why Apex car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Apex, North Carolina.
Commute Time in Apex
The more time you spend in your car the higher the risk of an accident. The average commute length in Apex, NC is 24.3 minutes according to City-Data.
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Compare Car Insurance Quotes in Apex, NC
Ready to find affordable Apex, North Carolina car insurance today? Enter your ZIP code for fast, free Apex, NC car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Apex, NC?
The average monthly rate is $250.
What are the car insurance requirements in Apex, NC?
The requirements are 30/60/25 (bodily injury liability per person/accident, property damage liability).
Do I need full coverage if my car is financed?
If your car is financed, full coverage insurance may be required.
How can I find cheap car insurance in Apex, NC?
Compare quotes from top insurance companies in Apex.
How do age, gender, and marital status affect rates?
These factors can influence rates, but they vary by insurance company.
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