Best Cheap Auto Insurance in Durham, CT (2021)

The average Durham, CT auto insurance rates are $361 per month. The minimum auto insurance in Durham is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Durham, Connecticut, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Durham, Connecticut is 25/50/20
  • The average commute length in Durham is 30.5 minutes
  • Average auto insurance rates in Durham, CT for senior drivers are $2,154 per year

Durham, Connecticut auto insurance requirements are 25/50/20 according to Connecticut auto insurance laws. Finding cheap auto insurance in Durham can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Durham, Connecticut, including driving record, credit, commute time, and more.

Compare auto insurance in Durham to other Connecticut cities, including New Britain auto insurance rates, Norwalk auto insurance rates, and New Haven auto insurance rates to see how Durham, Connecticut auto insurance rates stack up.

Before you buy Durham, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Durham, Connecticut auto insurance quotes.

Minimum Auto Insurance in Durham, Connecticut

Durham, Connecticut auto insurance laws require that you have at least the Connecticut minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Durham, Connecticut.

Minimum Required Auto 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

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Cheap Durham, Connecticut Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Durham, Connecticut are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Durham, Connecticut Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Durham, Connecticut is a challenge. Take a look at the annual teen auto insurance rates in Durham, Connecticut.

Annual Auto 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

Cheap Durham, Connecticut Auto Insurance for Seniors

What are senior auto insurance rates in Durham, Connecticut? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Durham, Connecticut Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Durham, Connecticut compared to the annual auto insurance rates with a clean record in Durham, Connecticut.

Annual Durham, Connecticut Auto 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

Cheap Durham, Connecticut Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Durham, Connecticut is not easy. Compare the annual rates for DUI auto insurance in Durham, Connecticut to find the best deal.

Annual Auto Insurance Rates After a DUI in Durham, Connecticut

Insurance Company Annual Auto 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

Cheap Durham, Connecticut Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Durham, Connecticut annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Durham, Connecticut Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Durham, Connecticut can vary. Compare the annual cost of auto insurance by ZIP code in Durham, Connecticut to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Durham, Connecticut

ZIP Code Average Annual Rates
6422 $4,381

Cheap Durham, Connecticut Auto Insurance Rates By Commute

Commute length and annual mileage affect Durham, Connecticut auto insurance. Find the cheapest annual Durham, Connecticut auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Durham, Connecticut

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Durham, Connecticut Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Durham, Connecticut? Check out the comparison of annual Durham, Connecticut auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Durham, Connecticut

Compare the cheapest auto insurance companies in Durham, Connecticut in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Durham, Connecticut Auto Insurance Companies

What auto insurance companies in Durham, Connecticut are the cheapest? Compare the top Durham, Connecticut auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Durham, Connecticut?

There are a lot of reasons why auto insurance rates in Durham, Connecticut are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Durham, Connecticut. Many local factors may affect your Durham auto insurance rates.

Durham Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Durham, Connecticut commute length is 30.5 minutes according to City-Data.

Durham Traffic

How does Durham, Connecticut rank for traffic? According to Inrix Durham, Connecticut is the 136th most congested worldwide.

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Compare Durham, Connecticut Auto Insurance Quotes

Before you buy Durham, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Durham, Connecticut auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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