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.
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| Insurance Provider in Durham | |
|---|---|
 State Farm | $44/mo |
 Allstate | $49/mo |
Progressive | $53/mo |
GEICO | $58/mo |
 Travelers | $86/mo |
| Best Companies | ||
|---|---|---|
 American Family | $95/mo | |
 Safeco | $150/mo | |
Travelers | $147/mo | |
 National General | $118/mo |
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| Charlotte | $96/mo |
| Raleigh | $93/mo |
| Greensboro | $88/mo |
| Winston-Salem | $63/mo |
| Durham | $68/mo |
| North Carolina | $82/mo |
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:
The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:
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.
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.
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.
| Driver's Age | |
|---|---|
| teens | $162 |
| 20s | $129 |
| 30s | $113 |
| 40s | $154 |
| 50s | $120 |
| 60s | $78 |
| 70s | $132 |
| 80s | $131 |
| Driving History | |
|---|---|
| No Violation | $119 |
| Speeding Ticket | $161 |
| At-Fault Accident | $127 |
| Failure to Stop for Red Light / Stop Sign | $124 |
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.
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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.
| Credit Tie | |
|---|---|
| Excellent | $107 |
| Good | $138 |
| Average | $124 |
| Poor | $149 |
See More: Bad Credit Car Insurance North Carolina
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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