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How much is car insurance in Durham?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Durham is in line with pricing for the rest of North Carolina.
Likewise, when compared to the national average, the cost for auto insurance in Durham is lower. It's about $29 cheaper to insure your vehicle in Durham compared to the average rate for the United States as a whole.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
Don't sweat it however, we've broken down average rates for Durham residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates climb back up once you hit retirement age in Durham.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Durham, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Durham, drivers with one accident on their record will experience rates around $46 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $56.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$49|
If you look at the first table above, the cheapest vehicles to insure in Durham are typically trucks and vans, at $41 per month.
Car owners, on the other hand, usually pay around $52 per month, while SUV drivers can expect to pay about $53 a month for insurance coverage.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Durham are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally, people who are married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Durham are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$97|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Durham. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Durham, NC
Recent trends in car insurance for Durham drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The cost of auto insurance coverage in Durham increased from 2016-2017, before steadying out in 2018. Rates finished up in 2021, at $51 per month
How does Durham compare to neighboring areas?
Why are car insurance rates in Durham different from other areas?
Car insurance companies will take into account a variety of factors when deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Number of drivers in the community
- Prevalence of crime
- Road safety
- Off-street parking access
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Durham?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Durham.
Durham Insurance FAQs
What factors affect car insurance quotes in Durham?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Durham different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Durham?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Durham?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Durham or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.