Compare Durham, CA Car Insurance Rates (2021)

Car insurance in Durham, CA averages $250 a month. Durham, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Durham car insurance rates, compare quotes from the top car insurance companies in Durham, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Durham, CA after a DUI are $4,179/year
  • Average car insurance rates in Durham, CA are $3,000/year
  • The cheapest car insurance company in Durham for teen drivers is USAA

If you need to buy Durham, California car insurance, the options can be confusing. Everything you need to know about car insurance in Durham, CA is right here.

You’ll find Durham car insurance rates, the cheapest Durham, CA car insurance companies, and information on California car insurance laws. You can also compare Durham, California car insurance rates to Bakersfield car insurance rates, Sacramento car insurance rates, and Long Beach car insurance rates.

Ready to find affordable Durham, CA car insurance today? Enter your ZIP code for fast, free Durham car insurance quotes.

Cheapest Durham, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Durham, CA car insurance rates? Every Durham, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Durham, California

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 $2,245 $2,254 $1,639 $1,664 $6,135 $7,724 $2,893 $3,205
Farmers $2,327 $2,327 $2,097 $2,097 $7,460 $12,251 $2,761 $3,076
GEICO $1,588 $1,590 $1,495 $1,495 $4,812 $4,902 $2,278 $2,335
Liberty Mutual $2,167 $2,055 $2,010 $1,949 $4,723 $5,014 $2,447 $2,466
Nationwide $2,437 $2,331 $2,132 $2,016 $6,079 $6,719 $2,899 $2,869
Progressive $1,304 $1,340 $1,117 $1,317 $3,442 $4,126 $1,865 $1,999
State Farm $2,524 $2,524 $2,254 $2,254 $4,602 $5,729 $2,785 $2,870
Travelers $2,128 $2,066 $1,879 $1,860 $4,292 $4,889 $2,734 $2,689
USAA $1,664 $1,576 $1,629 $1,635 $3,740 $3,754 $2,292 $2,167

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Minimum Car Insurance in Durham, CA

Every driver must carry the minimum car insurance in Durham, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Durham, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Durham, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Durham, CA to rates for a clean record with top companies.

Annual Durham, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,096 $3,528 $5,510 $2,746
Farmers $3,179 $4,328 $5,392 $4,299
GEICO $1,794 $2,758 $3,471 $2,225
Liberty Mutual $2,476 $3,319 $2,995 $2,624
Nationwide $2,403 $3,076 $5,185 $3,076
Progressive $1,358 $2,298 $2,646 $1,953
State Farm $2,274 $2,715 $5,140 $2,642
Travelers $1,906 $3,052 $3,545 $2,766
USAA $1,537 $2,277 $3,732 $1,682

Cheapest Durham, CA Car Insurance for Teen Drivers

Teen car insurance in Durham, CA can be expensive. Take a look at rates from the top car insurance companies in Durham for teenagers.

Annual Car Insurance Rates for Teen Drivers in Durham, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,135 $7,724
Farmers $7,460 $12,251
GEICO $4,812 $4,902
Liberty Mutual $4,723 $5,014
Nationwide $6,079 $6,719
Progressive $3,442 $4,126
State Farm $4,602 $5,729
Travelers $4,292 $4,889
USAA $3,740 $3,754

Cheapest Durham, CA Car Insurance for Seniors

Take a look at Durham, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Durham, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,639 $1,664
Farmers $2,097 $2,097
GEICO $1,495 $1,495
Liberty Mutual $2,010 $1,949
Nationwide $2,132 $2,016
Progressive $1,117 $1,317
State Farm $2,254 $2,254
Travelers $1,879 $1,860
USAA $1,629 $1,635

Cheapest Durham, CA Car Insurance Rates After a DUI

A DUI in Durham, CA increases car insurance rates. Compare Durham, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Durham, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,510
Farmers $5,392
GEICO $3,471
Liberty Mutual $2,995
Nationwide $5,185
Progressive $2,646
State Farm $5,140
Travelers $3,545
USAA $3,732

Cheapest Durham, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Durham, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Durham, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,134 $3,806
Farmers $3,901 $4,698
GEICO $2,328 $2,796
Liberty Mutual $2,620 $3,088
Nationwide $3,042 $3,829
Progressive $1,873 $2,255
State Farm $3,074 $3,312
Travelers $2,541 $3,093
USAA $2,127 $2,487

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The Best Cheap Car Insurance Companies in Durham, CA

Take a look at a side-by-side comparison of the top car insurance companies in Durham, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Durham, California

Insurance Company Average Annual Rates
Allstate $3,470
Farmers $4,300
GEICO $2,562
Liberty Mutual $2,854
Nationwide $3,435
Progressive $2,064
State Farm $3,193
Travelers $2,817
USAA $2,307

Category Winners: Cheapest Car Insurance in Durham, California

Find the cheapest car insurance companies in Durham, CA for each category right here.

Best Annual Car Insurance Rates by Company in Durham, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cheapest Durham, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Durham car insurance rates. Find the cheapest Durham, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Durham, California

Insurance Company Low Medium High
Allstate $3,303 $3,497 $3,609
Farmers $4,016 $4,334 $4,549
GEICO $2,331 $2,590 $2,765
Liberty Mutual $2,667 $2,877 $3,017
Nationwide $3,089 $3,494 $3,723
Progressive $1,839 $2,131 $2,221
State Farm $2,868 $3,241 $3,469
Travelers $2,461 $2,891 $3,099
USAA $2,093 $2,352 $2,477

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What affects car insurance rates in Durham, California?

What factors can have an impact on Durham, CA car insurance? There are several reasons why Durham car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Durham, California.

Commute Time in Durham

The more time you spend in your car the higher the risk of an accident. The average commute length in Durham, CA is 28.6 minutes according to City-Data.

Traffic in Durham

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Durham, CA traffic data from INRIX ranks Durham as the 136th-most congested in the world.

Compare Car Insurance Quotes in Durham, CA

Ready to find affordable Durham, California car insurance today? Enter your ZIP code for fast, free Durham, CA car insurance quotes.

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