Cheap Auto Insurance Quotes in Durham, NC (2023)

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.

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• Cheap Car Insurance North Carolina

• Compare Car Insurance

Cheapest Car Insurance in Durham, NC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Durham. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in North Carolina

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.

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.

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• High-risk Car Insurance North Carolina

• DUI Car Insurance North Carolina

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.

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Find local Durham agents

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.

For more detailed North Carolina city level guides, check out these below.

• Average Cost of Car Insurance Rates in North Carolina

• DUI Car Insurance Rates in North Carolina

• High-Risk Driver Car Insurance Rates in North Carolina

• North Carolina Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in North Carolina

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.