Best Cheap Auto Insurance in Durham, NC (2021)

The average Durham, NC auto insurance rates are $282 per month. The minimum auto insurance in Durham is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Durham, North Carolina, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Durham, NC for senior drivers are $2,538 per year
  • The average commute length in Durham is 22.7 minutes
  • The most expensive auto insurance company in Durham for teen drivers is Allstate

Durham, North Carolina auto insurance requirements are 30/60/25 according to North Carolina 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, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Durham to other North Carolina cities, including Charlotte auto insurance rates, Winston-Salem auto insurance rates, and Durham auto insurance rates to see how Durham, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Durham, North Carolina

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

Minimum Required Auto 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

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Cheap Durham, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Durham, North Carolina 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, 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

Cheap Durham, North Carolina Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Durham, North Carolina Auto Insurance for Seniors

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

Annual Auto 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

Cheap Durham, North Carolina 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, North Carolina compared to the annual auto insurance rates with a clean record in Durham, North Carolina.

Annual Durham, North Carolina Auto 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

Cheap Durham, North Carolina Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto 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

Cheap Durham, North Carolina Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Durham, North Carolina Auto Insurance Rates By ZIP Code

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

Annual Auto 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

Cheap Durham, North Carolina Auto Insurance Rates By Commute

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

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

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

Cheap Durham, North Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Durham, North Carolina

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

Best Annual Auto 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

The Cheapest Durham, North Carolina Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Durham, North Carolina?

There are a lot of reasons why auto insurance rates in Durham, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Durham, North Carolina. 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, North Carolina commute length is 22.7 minutes according to City-Data.

Durham Traffic

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

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Compare Durham, North Carolina Auto Insurance Quotes

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