Compare Durham, NC Car Insurance Rates (2021)

Car insurance in Durham, NC averages $282 a month. Durham, North Carolina car insurance requirements are 30/60/25, 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, NC.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • The cheapest car insurance company in Durham for teen drivers is Liberty Mutual
  • Average car insurance rates in Durham, NC after a DUI are $6,405/year
  • The cheapest car insurance company in Durham is Liberty Mutual

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

You’ll find Durham car insurance rates, the cheapest Durham, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Durham, North Carolina car insurance rates to Cary car insurance rates, High Point car insurance rates, and Raleigh car insurance rates.

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

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

How do age, gender, and marital status affect Durham, NC car insurance rates? Every Durham, North Carolina 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, North Carolina

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 $5,532 $5,532 $4,536 $4,536 $13,376 $13,376 $5,641 $5,641
GEICO $2,475 $2,431 $2,439 $2,396 $4,461 $4,423 $2,182 $2,170
Liberty Mutual $1,853 $1,853 $1,918 $1,918 $3,297 $3,297 $1,853 $1,853
Nationwide $2,325 $2,325 $2,325 $2,325 $3,970 $3,970 $2,325 $2,325
Progressive $1,766 $1,766 $1,611 $1,611 $4,238 $4,238 $1,979 $1,979
State Farm $2,646 $2,646 $2,288 $2,288 $3,905 $3,905 $3,271 $3,271
Travelers $2,689 $2,689 $2,667 $2,667 $4,577 $4,577 $2,759 $2,759

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Minimum Car Insurance in Durham, NC

Every driver must carry the minimum car insurance in Durham, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Durham, North Carolina

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 Durham, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Durham, NC. 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, North Carolina

Insurance Company Poor Fair Good
Allstate $9,807 $6,400 $5,607
GEICO $3,100 $2,859 $2,658
Liberty Mutual $2,230 $2,230 $2,230
Nationwide $2,737 $2,737 $2,737
Progressive $2,705 $2,343 $2,148
State Farm $4,254 $2,718 $2,111
Travelers $3,413 $3,083 $3,022

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

Annual Durham, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,942 $6,944 $12,874 $5,325
GEICO $1,499 $2,257 $5,635 $2,097
Liberty Mutual $1,330 $1,707 $4,176 $1,707
Nationwide $1,614 $2,084 $5,164 $2,084
Progressive $1,134 $1,652 $5,212 $1,597
State Farm $1,608 $2,332 $5,838 $2,332
Travelers $1,838 $2,497 $5,933 $2,424

Cheapest Durham, NC Car Insurance for Teen Drivers

Teen car insurance in Durham, NC 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, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,376 $13,376
GEICO $4,461 $4,423
Liberty Mutual $3,297 $3,297
Nationwide $3,970 $3,970
Progressive $4,238 $4,238
State Farm $3,905 $3,905
Travelers $4,577 $4,577

Cheapest Durham, NC Car Insurance for Seniors

Take a look at Durham, NC 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, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,536 $4,536
GEICO $2,439 $2,396
Liberty Mutual $1,918 $1,918
Nationwide $2,325 $2,325
Progressive $1,611 $1,611
State Farm $2,288 $2,288
Travelers $2,667 $2,667

Cheapest Durham, NC Car Insurance Rates After a DUI

A DUI in Durham, NC increases car insurance rates. Compare Durham, North Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Durham, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,874
GEICO $5,635
Liberty Mutual $4,176
Nationwide $5,164
Progressive $5,212
State Farm $5,838
Travelers $5,933

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Cheapest Durham, NC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Durham, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,271 $7,271
GEICO $2,872 $2,872
Liberty Mutual $2,230 $2,230
Nationwide $2,737 $2,737
Progressive $2,399 $2,399
State Farm $3,018 $3,037
Travelers $3,173 $3,173

Cheapest Durham, NC Car Insurance Rates by ZIP Code

Durham car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Durham, NC.

Annual Car Insurance Rates by ZIP Code in Durham, North Carolina

ZIP Code Average Annual Rates
27701 $3,490
27703 $3,483
27704 $3,493
27705 $2,781
27706 $3,520
27707 $2,772
27708 $2,903
27709 $2,715
27712 $2,809
27713 $2,757

The Best Cheap Car Insurance Companies in Durham, NC

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

Average Annual Car Insurance Rates by Company in Durham, North Carolina

Insurance Company Average Annual Rates
Allstate $7,271
GEICO $2,872
Liberty Mutual $2,230
Nationwide $2,737
Progressive $2,399
State Farm $3,028
Travelers $3,173

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Category Winners: Cheapest Car Insurance in Durham, North Carolina

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

Best Annual Car Insurance Rates by Company in Durham, North Carolina

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 Durham, NC 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, NC car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Durham, North Carolina

Insurance Company Low Medium High
Allstate $7,013 $7,244 $7,557
GEICO $2,746 $2,862 $3,009
Liberty Mutual $2,125 $2,217 $2,349
Nationwide $2,626 $2,723 $2,861
Progressive $2,276 $2,385 $2,535
State Farm $2,908 $3,013 $3,162
Travelers $3,042 $3,157 $3,320

What affects car insurance rates in Durham, North Carolina?

What factors can have an impact on Durham, NC 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, North Carolina.

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, NC is 22.7 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, NC traffic data from INRIX ranks Durham as the 136th-most congested in the world.

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Compare Car Insurance Quotes in Durham, NC

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

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