120+ more*Quotes generated for Insurify users in and around Durham, North Carolina within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Durham, North Carolina within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
On average, Durham car insurance costs $64 per month for liability-only coverage and $113 per month for full coverage.
Car insurance in North Carolina varies by city, so where you live can affect how much you pay. Durham’s rates are on par with the state average and rates in nearby Raleigh, but lower than rates in Charlotte. Though Durham is a part of the commuter-heavy Research Triangle, its average commute is about 22 minutes, compared to 25 minutes statewide.[1] Less time on the road means less exposure to accidents.
For cheap liability car insurance in Durham, consider Erie and Progressive. These insurers have the lowest average monthly rates in Durham, at $54 and $59, respectively.
North Carolina car insurance requirements include at least $50,000 per person and $100,000 per accident for bodily injury liability, and $50,000 for property damage liability. Policies must also include uninsured/underinsured motorist coverage.[2]
The following table shows the cheapest liability car insurance rates in Durham.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $54 |
| Progressive | $59 |
| GEICO | $62 |
| Direct Auto | $63 |
| National General | $63 |
| Liberty Mutual | $64 |
| Safeco | $66 |
| Travelers | $68 |
| Dairyland | $73 |
| Allstate | $74 |
| State Farm | $89 |
Liability policies average $64/mo.
National General and Progressive offer Durham’s cheapest full-coverage car insurance. Rates for these insurers are $86 and $86 per month, respectively.
Commuters in North Carolina’s Research Triangle, including Durham workers, face severe traffic congestion and a heightened risk for collisions, especially on Interstate 40.[3] Parts of Durham also face a moderate flood risk.[4] This makes a full-coverage policy with comprehensive coverage and collision coverage ideal for most drivers.
The following table shows the cheapest full-coverage car insurance rates in Durham.
Insurance Company | Average Monthly Quote |
|---|---|
| Direct Auto | $86 |
| National General | $86 |
| Progressive | $86 |
| Erie | $93 |
| Liberty Mutual | $103 |
| GEICO | $105 |
| Safeco | $111 |
| Travelers | $117 |
| Allstate | $127 |
| State Farm | $151 |
| Dairyland | $153 |
Asheville is the least expensive city for auto insurance in North Carolina, at $76 per month. By comparison, Charlotte is the most expensive city in the state, at $109 per month.
Compared to other cities in the state, Durham’s car insurance rates fall toward the lower end of the range. Durham drivers pay less than drivers in nearby Raleigh but more than drivers in nearby Chapel Hill.
Durham’s inland location means it isn’t exposed to storm-surge risk that coastal North Carolina communities may face, according to North Carolina Emergency Management. Below, you’ll find the overall average car insurance rates for cities in North Carolina.
City | Average Monthly Quote |
|---|---|
| Asheville | $76 |
| Chapel Hill | $77 |
| Morrisville | $77 |
| Burlington | $81 |
| Cary | $82 |
| Mooresville | $82 |
| Rocky Mount | $84 |
| Wilmington | $84 |
| Jacksonville | $85 |
| Hickory | $90 |
| Raleigh | $92 |
| Greensboro | $94 |
| Goldsboro | $95 |
| Kannapolis | $95 |
| High Point | $98 |
| Wilson | $99 |
| Matthews | $100 |
| Concord | $101 |
| Greenville | $102 |
| Fayetteville | $104 |
| Gastonia | $105 |
| Charlotte | $109 |
*Quotes generated for Insurify users in and around Durham, North Carolina within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Durham, North Carolina within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record will influence how much you pay for auto insurance in Durham. People with a clean driving record typically get the most affordable car insurance in Durham.
If you’re looking for the cheapest average rates in Durham by driving record, here are some of the best insurers:
Cheapest car insurance for Durham drivers with a clean driving record: Erie
Cheapest car insurance for drivers with a speeding ticket in Durham: Erie
Cheapest car insurance for Durham drivers with an at-fault accident: Erie
Cheapest car insurance for drivers with a DWI in Durham: Erie
North Carolina drivers with a clean record typically qualify for the cheapest car insurance in Durham. Approximately 4.5% of Durham drivers have speeding tickets, and 5.7% have an accident on their record, according to Insurify data. Only 0.7% have a driving while impaired (DWI) conviction.
Speeding tickets, accidents, and DWIs can lead insurers to classify you as a high-risk driver and charge higher car insurance rates in Durham, as shown below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $89 |
| Speeding ticket | $117 |
| At-fault accident | $123 |
| DWI | $226 |
Here’s what to know about driving in Durham:
Storm and flood risk: Although Durham isn’t a coastal city, it still faces moderate flood risk in some areas. Flooding can damage vehicles, while storms can increase the risk of hydroplaning and reduce visibility. Always check the weather before driving in Durham.
Commuter traffic: Durham is a part of the Research Triangle, which includes Raleigh and Chapel Hill.[5] The area experiences heavy commuter traffic and has the potential for more collisions, including along I-40. The North Carolina Department of Transportation (NCDOT) reports that thousands of commuters rely on I-40 and that traffic congestion in the area continues to increase. Drivers should plan for heavier traffic during commuting periods.
Dangerous roads: As part of its Vision Zero project, the City of Durham found that 10% of its streets account for 74% of serious traffic injuries and deaths.[6] In a related road audit, the city identified specific areas for concern, including state Route 55 and its intersections with Holloway Street, Linwood Avenue, Courtney Creek Boulevard, and state Route 54.
Durham experiences heavy commuter traffic, especially along I-40 during morning and evening rush hours. Despite the heavy rush-hour congestion, the distance between Durham, Chapel Hill, and Raleigh is relatively short.
Durham’s average commute time is nearly three minutes shorter than the North Carolina state average. Still, Durham drivers average about 8,772 miles behind the wheel annually, according to Insurify data.
Durham’s outdoor recreation — especially along the American Tobacco Trail — and major universities also draw visitors for college visits and sporting events. In 2024, Durham County reported 13.2 million visitors. This increases the number of vehicles on the road and heightens the chance of collisions.[7]
Heavy commuter congestion and a high number of tourists on Durham’s roads could lead to higher car insurance rates. But ongoing projects by the city of Durham and NCDOT to make roadways safer, despite heavy traffic, may help keep costs down.
See quotes from top insurers in minutes
Liability-only car insurance for teen drivers costs $116 per month in Durham. Erie offers the cheapest rates for teens.
North Carolina teens can get a limited learner permit at age 15. During the first six months, they can drive only from 5 a.m. to 9 p.m. with a supervising driver. Durham parents can use NCTeenDriver.org’s free Time to Drive interactive course to supervise and teach their teens to drive.
The table below shows the cheapest car insurance rates for teenage drivers in Durham.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $98 |
| Progressive | $106 |
| Liberty Mutual | $111 |
| GEICO | $111 |
| Direct Auto | $122 |
| National General | $124 |
| Dairyland | $126 |
| Allstate | $134 |
| Safeco | $134 |
| Travelers | $140 |
| State Farm | $171 |
On average, liability-only car insurance for senior drivers in their 60s costs $56 per month in Durham. Seniors can find the cheapest rate with Erie.
About 13% of Durham residents are 65 or older, according to the U.S. Census Bureau. Drivers aged 66 and older must renew their license every five years in North Carolina.[8] The table below shows the cheapest car insurance rates for senior drivers in Durham.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $42 |
| GEICO | $50 |
| National General | $50 |
| Progressive | $52 |
| Direct Auto | $52 |
| Liberty Mutual | $53 |
| Travelers | $55 |
| Safeco | $58 |
| Dairyland | $62 |
| Allstate | $65 |
| State Farm | $70 |
If you’re looking for the most affordable coverage options in Durham, the information below can help.
The average monthly cost of car insurance in Durham, North Carolina, is $64 for liability-only coverage and $113 for full coverage, according to Insurify data.
Erie has the cheapest car insurance in Durham, with an average rate of $54 per month for a liability-only policy. The cheapest company for full coverage is National General, with an average monthly rate of $86.
Durham drivers can ask their insurance agents about common discounts for safe driving, bundling policies, insuring multiple policies, and using telematics. Additionally, North Carolina drivers can keep rates down by maintaining a safe driving record and avoiding points under the state’s safe driver incentive plan.
Several factors can affect car insurance rates in Durham, including your age, driving record, ZIP code, and the vehicle you drive. The deductible and coverage limits you choose can also affect your premiums. You can lower your rate by comparing quotes and by bundling your auto insurance with renters insurance or homeowners insurance.
No. North Carolina doesn’t require drivers to carry full coverage. But if you finance or lease your car in Durham, your lender likely requires you to carry full-coverage car insurance, which includes comprehensive coverage and collision coverage.
That said, state law requires drivers to have at least $50,000 in bodily injury liability per person, $100,000 per accident, $50,000 in property damage liability insurance, and uninsured/underinsured motorist coverage to drive legally.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Certified financial education instructor
Published in USA Today, TIME, Forbes, and Business Insider
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
