Average car insurance cost in Apex

The average car insurance rate in Apex for full coverage is $1,549 per year or $129 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Apex is $494 per year. The state minimum liability limits are 30/60/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$775
Average annual premium$1,549
State minimum premium$494

Cheapest car insurance companies in Apex

State Farm offers the cheapest rates on average at $875 per year. Erie Insurance is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Apex.

CompanyAverage 6 month rateAverage annual rate
State Farm$437$875
Erie Insurance$500$1,000
North Carolina Farm Bureau$532$1,064
Nationwide$675$1,350
Geico$719$1,438
Penn National Insurance$810$1,620
Progressive$878$1,756
Farmers$878$1,756
Utica National Insurance Group$965$1,929
Allstate$1,353$2,705

Cheapest car insurance cost in Apex by age group

Car insurance rates in Apex vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Apex by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: State Farm
  • Cheapest for young adults: Erie Insurance
  • Cheapest for adults: State Farm
  • Cheapest for seniors: State Farm

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. State Farm offers the cheapest car insurance for teens at $2,067 per year.

Erie Insurance offers the most affordable auto insurance for young adults at $1,155 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. State Farm provides the lowest car insurance rates at $913 per year for adult drivers in Apex.

State Farm offers the least expensive car insurance for senior drivers in Apex, at $932 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
State Farm$2,067$1,355$913$932
Erie Insurance$2,141$1,155$976$1,078
North Carolina Farm Bureau$2,332$1,161$1,028$1,078
Nationwide$3,122$1,931$1,345$1,273
Geico$4,294$1,510$1,417$1,457
Penn National Insurance$3,266$1,620$1,620$1,620
Progressive$3,535$1,756$1,756$1,756
Farmers$3,535$1,756$1,756$1,756
Utica National Insurance Group$4,972$1,944$1,904$1,895
Allstate$6,212$3,526$2,616$2,329

Cheapest car insurance companies in Apex by driver profile

Car insurance rates in Apex vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Apex by driver profile.

Cheapest for a driver with poor credit: North Carolina Farm Bureau

North Carolina Farm Bureau is the most affordable car insurance for drivers with poor credit. On average, drivers in Apex pay about $1,441 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Apex.

CompanyAverage 6 month premiumAverage annual premium
North Carolina Farm Bureau$721$1,441
Erie Insurance$730$1,459
Nationwide$860$1,720
Geico$1,022$2,043
State Farm$2,096$4,191
Allstate$2,395$4,790

Cheapest auto insurance after an at-fault accident: State Farm

In Apex, State Farm offers the cheapest car insurance for drivers with at-fault accident at $1,238 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Apex.

CompanyAverage 6 month premiumAverage annual premium
State Farm$619$1,238
North Carolina Farm Bureau$778$1,556
Erie Insurance$800$1,599
Progressive$1,262$2,523
Farmers$1,270$2,539
Nationwide$1,295$2,589
Geico$1,567$3,133
Allstate$2,623$5,245

Cheapest auto insurance after a DUI: State Farm

State Farm offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $3,146 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Apex.

CompanyAverage 6 month premiumAverage annual premium
State Farm$1,573$3,146
Erie Insurance$2,087$4,174
Nationwide$2,507$5,013
Geico$3,127$6,254
North Carolina Farm Bureau$3,166$6,332
Progressive$3,250$6,499
Farmers$3,298$6,595
Allstate$5,576$11,152

Cheapest for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance at $1,204 in Apex for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
State Farm$602$1,204
North Carolina Farm Bureau$756$1,511
Erie Insurance$777$1,554
Nationwide$943$1,885
Geico$1,112$2,224
Progressive$1,227$2,453
Farmers$1,234$2,468
Allstate$2,057$4,114

Car insurance discounts for Apex drivers

The biggest car insurance discount available in Apex is for the years licensed category at 60.01%, offered by Kemper Insurance.

Car insurance is essential for drivers in Apex, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Apex drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,8630.69%$20
Air BagsErie Insurance$1,0100.63%$6
Air BagsGeico$1,3892.16%$30
Air BagsKemper Insurance$1,0020.47%$5
Air BagsNational General Insurance$1,3340.82%$11
Air BagsNationwide$1,1030.45%$5
Air BagsNorth Carolina Farm Bureau$1,1210.71%$8
Air BagsPenn National Insurance$1,4800.68%$10
Air BagsProgressive$1,6300.55%$9
Air BagsState Farm$1,0560.57%$6
Anti-Theft DeviceErie Insurance$1,0100.92%$9
Anti-Theft DeviceKemper Insurance$1,0020.10%$1
Daily CommuteErie Insurance$1,0101.88%$19
Daily CommuteState Farm$1,0561.33%$14
Days Advanced PurchaseAllstate$2,86314.45%$414
Days Advanced PurchaseErie Insurance$1,0109.60%$97
Days Advanced PurchaseKemper Insurance$1,0028.07%$81
Days Advanced PurchaseNationwide$1,1033.72%$41
Days Advanced PurchasePenn National Insurance$1,4807.84%$116
EducationGeico$1,3899.00%$125
Electronic Funds TransferAllstate$2,8636.65%$190
Electronic Funds TransferKemper Insurance$1,0024.52%$45
HomeownerAllstate$2,8634.03%$115
HomeownerKemper Insurance$1,0022.26%$23
Loyalty - Years Renewal With CompanyPenn National Insurance$1,4800.54%$8
Loyalty - Years Renewal With CompanyState Farm$1,05616.48%$174
Marital StatusErie Insurance$1,0101.05%$11
Marital StatusNationwide$1,10310.24%$113
Multi PolicyAllstate$2,86313.14%$376
Multi PolicyErie Insurance$1,0105.25%$53
Multi PolicyGeico$1,3894.61%$64
Multi PolicyKemper Insurance$1,0026.01%$60
Multi PolicyNationwide$1,1035.92%$65
Multi PolicyNorth Carolina Farm Bureau$1,12110.17%$114
Multi PolicyPenn National Insurance$1,4807.84%$116
Multi PolicyState Farm$1,0569.64%$102
Paperless/Electornic DocumentsKemper Insurance$1,0020.50%$5
Paperless/Electornic DocumentsNationwide$1,1033.72%$41
Payment TypeAllstate$2,8639.63%$276
Payment TypeErie Insurance$1,0106.80%$69
Payment TypeKemper Insurance$1,0024.52%$45
Payment TypeNorth Carolina Farm Bureau$1,1215.44%$61
Payment TypePenn National Insurance$1,4804.93%$73
Primary UseAllstate$2,86316.69%$478
Primary UseErie Insurance$1,01019.38%$196
Primary UseGeico$1,38920.67%$287
Primary UseKemper Insurance$1,00219.15%$192
Primary UseNational General Insurance$1,33420.65%$276
Primary UseNationwide$1,1033.72%$41
Primary UseNorth Carolina Farm Bureau$1,12120.52%$230
Primary UsePenn National Insurance$1,48021.02%$311
Primary UseProgressive$1,63021.02%$343
Primary UseState Farm$1,05615.38%$162
ProfessionGeico$1,3894.61%$64
Safety DevicesAllstate$2,8630.40%$11
Safety DevicesErie Insurance$1,0100.96%$10
TelematicsAllstate$2,8639.63%$276
TelematicsNationwide$1,1037.43%$82
TelematicsState Farm$1,05617.02%$180
Years InsuredAllstate$4,47731.90%$1,428
Years InsuredKemper Insurance$1,1877.72%$92
Years InsuredNationwide$1,3896.18%$86
Years LicensedAllstate$8,11834.04%$2,764
Years LicensedErie Insurance$2,83749.87%$1,415
Years LicensedGeico$5,91255.52%$3,282
Years LicensedKemper Insurance$4,11260.01%$2,468
Years LicensedNational General Insurance$3,35550.60%$1,698
Years LicensedNationwide$3,49934.30%$1,200
Years LicensedNorth Carolina Farm Bureau$3,34055.60%$1,857
Years LicensedPenn National Insurance$4,26455.67%$2,374
Years LicensedProgressive$4,68955.63%$2,608
Years LicensedState Farm$2,00620.98%$421

How to get cheap car insurance in Apex in 2025

Find affordable car insurance in Apex by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Apex.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.