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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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.
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.
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.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $44/mo |
 Allstate | $49/mo |
 Progressive | $53/mo |
 GEICO | $58/mo |
 Travelers | $86/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $95/mo | |
 Safeco | $150/mo | |
Travelers | $147/mo | |
 National General | $118/mo |
North Carolina Cities | |
|---|---|
| Charlotte | $96/mo |
| Raleigh | $93/mo |
| Greensboro | $88/mo |
| Winston-Salem | $63/mo |
| Durham | $68/mo |
| North Carolina | $82/mo |
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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 | Avg. Monthly Cost |
|---|---|
| teens | $162 |
| 20s | $129 |
| 30s | $113 |
| 40s | $154 |
| 50s | $120 |
| 60s | $78 |
| 70s | $132 |
| 80s | $131 |
| Driving History | Avg. Monthly Cost |
|---|---|
| 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.
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 | Avg. Monthly Cost |
|---|---|
| Excellent | $107 |
| Good | $138 |
| Average | $124 |
| Poor | $149 |
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.
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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Durham stacks up for the state of North Carolina:
