Compare Durham, CT Car Insurance Rates (2021)

Car insurance in Durham, CT averages $361 a month. Durham, Connecticut car insurance requirements are 25/50/20, 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, CT.

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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, CT are $4,336/year
  • The cheapest car insurance company in Durham for teen drivers is GEICO
  • The cheapest car insurance company in Durham is State Farm

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

You’ll find Durham car insurance rates, the cheapest Durham, CT car insurance companies, and information on Connecticut car insurance laws. You can also compare Durham, Connecticut car insurance rates to Waterbury car insurance rates, New Britain car insurance rates, and Meriden car insurance rates.

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

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

How do age, gender, and marital status affect Durham, CT car insurance rates? Every Durham, Connecticut 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, Connecticut

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 $3,313 $3,291 $3,042 $3,255 $10,042 $11,850 $3,483 $3,677
GEICO $2,098 $2,104 $1,946 $1,962 $4,835 $5,722 $2,024 $1,966
Liberty Mutual $3,881 $4,236 $2,988 $3,702 $19,423 $21,934 $3,914 $4,272
Nationwide $2,062 $2,085 $1,858 $1,946 $5,616 $7,110 $2,382 $2,557
Progressive $2,339 $2,186 $2,000 $2,075 $9,764 $10,821 $2,682 $3,015
State Farm $1,638 $1,638 $1,506 $1,506 $4,921 $6,180 $1,838 $2,108
Travelers $1,634 $1,659 $1,625 $1,621 $12,367 $19,896 $1,777 $2,008
USAA $1,855 $1,837 $1,727 $1,706 $5,822 $6,120 $2,481 $2,574

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Minimum Car Insurance in Durham, CT

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

Minimum Required Car Insurance Coverage in Durham, Connecticut

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Durham, CT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Durham, CT. Compare credit history car insurance rates in Durham from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Durham, Connecticut

Insurance Company Poor Fair Good
Allstate $6,664 $5,053 $4,015
GEICO $4,118 $2,485 $1,893
Liberty Mutual $11,437 $7,112 $5,583
Nationwide $4,229 $2,850 $2,527
Progressive $4,744 $4,257 $4,079
State Farm $3,705 $2,378 $1,917
Travelers $6,043 $5,036 $4,890
USAA $3,987 $2,690 $2,369

Cheapest Durham, CT 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, CT to rates for a clean record with top companies.

Annual Durham, Connecticut Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,474 $5,504 $6,524 $4,474
GEICO $1,789 $2,345 $4,998 $2,196
Liberty Mutual $7,040 $8,818 $8,740 $7,577
Nationwide $2,618 $3,396 $3,882 $2,912
Progressive $3,717 $5,404 $3,905 $4,416
State Farm $2,485 $2,727 $2,727 $2,727
Travelers $4,289 $4,644 $6,751 $5,609
USAA $2,343 $2,941 $4,435 $2,343

Cheapest Durham, CT Car Insurance for Teen Drivers

Teen car insurance in Durham, CT 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, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,042 $11,850
GEICO $4,835 $5,722
Liberty Mutual $19,423 $21,934
Nationwide $5,616 $7,110
Progressive $9,764 $10,821
State Farm $4,921 $6,180
Travelers $12,367 $19,896
USAA $5,822 $6,120

Cheapest Durham, CT Car Insurance for Seniors

Take a look at Durham, CT 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, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,042 $3,255
GEICO $1,946 $1,962
Liberty Mutual $2,988 $3,702
Nationwide $1,858 $1,946
Progressive $2,000 $2,075
State Farm $1,506 $1,506
Travelers $1,625 $1,621
USAA $1,727 $1,706

Cheapest Durham, CT Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Durham, Connecticut

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,524
GEICO $4,998
Liberty Mutual $8,740
Nationwide $3,882
Progressive $3,905
State Farm $2,727
Travelers $6,751
USAA $4,435

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Cheapest Durham, CT Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Durham, Connecticut

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,244 $5,244
GEICO $2,789 $2,875
Liberty Mutual $8,044 $8,044
Nationwide $3,202 $3,202
Progressive $4,360 $4,360
State Farm $2,602 $2,732
Travelers $5,323 $5,323
USAA $2,979 $3,051

The Best Cheap Car Insurance Companies in Durham, CT

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

Average Annual Car Insurance Rates by Company in Durham, Connecticut

Insurance Company Average Annual Rates
Allstate $5,244
GEICO $2,832
Liberty Mutual $8,044
Nationwide $3,202
Progressive $4,360
State Farm $2,667
Travelers $5,323
USAA $3,015

Category Winners: Cheapest Car Insurance in Durham, Connecticut

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

Best Annual Car Insurance Rates by Company in Durham, Connecticut

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Durham, CT 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, CT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Durham, Connecticut

Insurance Company Low Medium High
Allstate $4,989 $5,238 $5,505
GEICO $2,630 $2,799 $3,068
Liberty Mutual $7,689 $7,972 $8,470
Nationwide $3,253 $3,223 $3,130
Progressive $4,095 $4,326 $4,661
State Farm $2,504 $2,671 $2,826
Travelers $4,954 $5,289 $5,727
USAA $2,826 $3,018 $3,202

What affects car insurance rates in Durham, Connecticut?

What factors can have an impact on Durham, CT 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, Connecticut.

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, CT is 30.5 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, CT traffic data from INRIX ranks Durham as the 136th-most congested in the world.

Compare Car Insurance Quotes in Durham, CT

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Average Monthly Car Insurance Rates by State