Durham, NC Car Insurance

What rates should residents of Durham expect to pay for their car insurance? Are rates in Durham higher or lower than those in neighboring areas? How do they compare to the rest of North Carolina? Find the average cost breakdowns and determining factors in the charts and writeups below:

---

---

How much is car insurance in Durham?

Based on the chart above, you can see that auto insurance rates in Durham are in line with rates across the rest of North Carolina.

When stacked up against the national average, the average monthly policy payment for Durham is more affordable. It's about $31 cheaper than the national average to insure your vehicle in Durham.

While these are the average costs to insure your vehicle in Durham, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

But don't worry, we've broken down the average rate for Durham residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

---

---

Average Car Insurance Rates by Age

It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay around $15 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Durham drivers may see their rates rise again once they hit retirement.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. The price to insure your vehicle in Durham, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Durham with a single accident will pay around $51 a month. Likewise, drivers with one ticket will be looking at a rate of around $62 a month on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Durham are by and large trucks and vans, at $41 per month.

Car owners will see a monthly bill of about $51, while SUV owners typically pay around $48 a month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Durham, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

In Durham, the difference in rates based on relationship status can be as much as $4 a month.

Average Car Insurance Rates by Housing Situation

Another factor taken into consideration is your living situation. If you rent your home or apartment in Durham, expect to pay around $9 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Durham, NC

Recent trends in car insurance for Durham drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

Car insurance rates in Durham declined from 2017-2018, before leveling out in 2019. Rates decreased again, reaching a low of $48 in 2021, and finished up at $60 in 2022.

How does Durham compare to neighboring areas?

Why are car insurance rates in Durham different from other areas?

Car insurance companies take in a number of factors when deciding how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

• Total number of drivers in the region
• Laws
• Off-street parking access
• General road safety (how many accidents each locality has)
• Regional crime rates

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 towns and cities will all have different average rates, so guides like these are a great place 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 can handle all of this for you. Enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies providing plans in Durham.

---

---

Durham Insurance FAQs

What factors affect car insurance quotes in Durham?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Durham different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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.