Cheap Auto Insurance Quotes in Durham, NC (2021)

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Known as part of the Research Triangle Region, Durham is home to a wealth of technology companies and academic institutions. This bustling hub of a city is home to roughly 275,000 people and is often a popular vacation spot during the summer months. Not unlike other major cities, Durham’s streets can become crowded at times, and accidents happen in the blink of an eye, making it crucial that you have adequate car insurance here.

Car Insurance in Durham, NC

The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Durham, NC to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$44
$49
$53
$58
$86
State FarmAllstateProgressiveGEICOTravelers
Monthly $

Cheapest Car Insurance in Durham, NC

Here are the cheapest carriers in Durham for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Durham, NC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Durham. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$82
$96
$93
$88
$63
$68
North CarolinaCharlotteRaleighGreensboroWinston-SalemDurham
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Durham, NC Driving Facts

north-carolina

Minimum Car Insurance Requirements in NC

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

Durham Car Insurance Rates by Driver Age

Even teenagers should be able to pay their car insurance bill in Durham, at $161 per month. That’s a rate less than what even the most experienced drivers pay in many parts of the country, and the rates only get lower as people spend more years behind the wheel. So twentysomethings see a $30 cut from what teens pay. From there, almost everyone pays close to or less than the state average of $131. Those in their 60s snag the best deal, with a price that’s less than half what the youngest drivers shell out.

Driving History
No Violation$119
Speeding Ticket$161
At-Fault Accident$127
Failure to Stop for Red Light / Stop Sign$124

Durham Car Insurance Rates by Driving and Accident History

North Carolinians know safe driving brings rewards on and off the road. Drivers enjoy the peace of mind that comes from defensive driving, and insurance companies reward them with “good driver” and “accident-free” discounts. An at-fault accident puts the brakes on the lowered price and pumps the rate up $8 per month, or $96 per year. Worse still, a missed alarm clock could turn into a $40 bump if it causes a speeding ticket. Luckily, accidents and violations stop affecting premiums after three years.

Durham Car Insurance Rates by Credit Tier

Many Durham residents have wondered just how credit affects their driving. In the Tar Heel state, insurance companies assess credit when setting rates. Generally, people with better credit pay the least. Why do drivers with average credit pay less than those with good credit? Drivers with better credit can finance costlier cars and get more coverage to protect their assets. Either way, moving from poor to excellent credit will save over $40 per month, or $480 per year.

Durham, NC DMV Information

A range of DMV services is sprinkled throughout the greater Durham area, with locations that serve specific needs. There are several license plate offices as well as multiple locations that offer full DMV services. Hours of these locations will vary, and they tend to be rather busy, so it’s a smart idea to allow yourself some extra time to complete these tasks.

Public Transportation in Durham, NC

Between a large number of college students and commuting professionals in the area, Durham has a high demand for public transportation options. The city’s bus system is extensive and can take you just about anywhere you need to go. Those who prefer to bike will find that streets here are designed for just that. Ridesharing options like Uber or Lyft are great if you need to make a quick trip.

Conclusion: How to get the best and cheapest car insurance in Durham, NC

Filled with historic landmarks and fun family activities, Durham is a popular place in North Carolina. Traveling around the area can be challenging during rush hour, so it’s advised that you not only give yourself enough time to arrive at your destination but also learn alternate routes should you encounter a traffic jam.

Whether you drive a lot or a little, there’s no reason not to have a car insurance policy that meets your needs. Head over to Insurify today to compare quotes, view discounts, and enroll in coverage that’s just right for you. You’ll be even more relaxed on the road when you know that you’re protected should anything happen.

Find local Durham agents

First Insurance Services, Inc. 
5417 S MIAMI BLVD, DURHAM, NC 27703
Bull City Insurance, LLC 
4819 Emperor Blvd Ste 400, Durham, NC 27703
McGriff Insurance Services 
4309 Emperor Blvd. Ste 300, Durham, NC 27703-8046
Business Insurers of the Carolinas, Inc. dba Dominick Huckabee Noblin and Trent Insurance 
3604 Shannon Rd Ste 105, Durham, NC 27707
Herring & Bickers Insurance Agency, Inc. 
2344 Operations Dr., Ste. 101, Durham, NC 27705
Insurance People of N.C., Inc. 
1920 Front St #750, Durham, NC 27705-2584
The Insurance Center of Durham, Inc. 
1920 Front St Ste 710, Durham, NC 27705
The Marsh Dawson Insurance Agency, LLC 
5410 NC Highway 55, Ste M, Durham, NC 27713
Bowen Agency, Inc. 
4905 Pine Cone Dr. # 5, Durham, NC 27707
Superior Insurance of Durham 
3825 S Roxboro St., Ste. 118, Durham, NC 27713

Insurify Insights: How Durham Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Durham, NC
suspended licenses
#30
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Durham drivers measure up to their fellow North Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Durham

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Durham drivers rank 29 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #29
  • Percent of drivers in Durham with an accident: 10.22%
  • Drivers in Durham, NC with an accident in their driving history paid on average 20.69% more than drivers with a clean record

Speeding Durham

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Durham drivers rank 25 in the number of speeding infractions per driver.

  • Rank within state: #25
  • Percent of drivers in Durham with a speeding ticket: 9.59%
  • Drivers in Durham, NC with a speeding ticket in their driving history paid on average 25% more than drivers with a clean record

DUI/DWIs Durham

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Durham drivers rank 21 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #21
  • Percent of drivers in Durham with a DUI: 1.82%
  • Drivers in Durham, NC with a DUI in their driving history paid on average 7.76% more than drivers with a clean record

Rude Durham

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Durham drivers rank 13 in rude driving infractions.

  • Rank within state: #13
  • Percent of drivers in Durham with a reckless driving violation: 1.4%
  • Drivers in Durham, NC with a reckless driving violation in their driving history paid on average 21.55% more than drivers with a clean record.

Safest Drivers Durham

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Durham drivers rank 2 in clean driving records across all cities in North Carolina.

  • Rank within state: #2
  • Percent of drivers in Durham with clean record: 80.55%

Failure to Yield the Right of Way Durham

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Durham drivers rank 12 in failure to yield violations per driver across all cities in North Carolina.

  • Rank within state: #12
  • Percent of drivers in Durham with a failure to yield violation: 0.21%
  • Drivers in Durham, NC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Durham

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Durham drivers rank 10 in the number of reckless driving offenses per driver.

  • Rank within state: #10
  • Percent of drivers in Durham with a reckless driving offense: 0.07%

Most Popular Vehicle Durham

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Durham is the Honda Accord.


FAQs - Durham, NC Car Insurance

Is car insurance expensive in Durham?

While some aspects of living in Durham may be pricey, car insurance isn’t one of them. Most drivers find that they pay as much as 40 percent less than the national average for their policies, although pricing will vary based on a range of individual factors.

Can I drive in Durham without auto coverage?

Penalties can be very steep if you choose to get behind the wheel in Durham without insurance. First offenders may end up having to pay a fine ranging from $50 to $150, could have their license suspended, and may even face jail time.

Where can I find cheap car insurance in Durham?

Drivers who want to save money on car insurance can compare real-time quotes and find the best policy for them at Insurify. With just a few clicks, you can see how your policy stacks up to others with ease.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.