Durham, NC Auto Insurance Rates

Durham, NC residents can save $400 by comparing multiple quotes & reading reviews & research on Durham car insurance rates, quotes, agents & coverage.

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$713 $989 $1,353

Latest Auto Insurance Reviews in Durham, North Carolina

Other companies wanted more money for less coverage and that's why I shopped around until I came to Allstate who gave me a good price, coverage and a discount
My insurance agency is always on top of anything I need. They work with me to figure out incidents and costs, and help me when I have questions about my policy, drivers, and coverage. The customer service is excellent and they always speak to me by my first name when I go into the local agency. I feel welcome and as if I am among friends when I go into the building.
I am very satisfied with this company because it offers me a service that fits my needs and search criteria
I do not like how my premium keeps rising every 6 months despite my perfect driving record. This happened with my previous insurance company too until it got too high for me which is what caused me to switch to Progressive in the first place. Hopefully I don't have to switch again too soon.
Horace Mann
I've had a couple of fender benders in parking lots where another car bumped into me. The company covered me with no issues. I had hale damage to a new truck, and they again covered that with no hassle. My home is with them now as well, and we've had them cover some hail damage to our home with no hassle.
Liberty Mutual
I am very satisfied with this insurance have had it for over 30 years have made several claims in these years,and have never been penalized or had my rates raised. This company also offers many benefits, such as discounts on some new cars, hotels,and restaurants,also on some medical testing.
Safeco Insurance
I am very pleased with my insurance company. They have served me well in the experiences I've had with them. I have had minor claims and they have been great.
They are usually more modern than most other providers and have a lot of variety in their policy offerings.
State Farm
Overall I like the options for policies and for discounts. Our agent is friendly and close by, easily accessible if we need to talk to her. The company's app makes it easy to file claims.
Write Your Review | Durham, North Carolina Auto Insurance Analysis
State Farm Auto Insurance, Durham, NC
$112/1 month
Car Insurance Policy Holder
  • Divorced 26 Years old Male licensed 1 year ago with Leased BMW 740I used for Business with estimated annual mileage of 15,001 - 20,000.
  • vocational education & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $500K (Per Person Bodily Injury) / $500K (Per Accident Bodily Injury)
  • 50 K Property Damage
  • 300 K Personal Injury Protection
  • 300 K Uninsured Motorists Bodily Injury
  • 500 K Uninsured Motorists Property Damage

Durham Car Insurance Rate Comparisons

Durham, NC's average car insurance of $989 differs from Carr, NC (-$209), House Creek, NC (+$421), Lebanon, NC (-$159) and North Carolina (+$96)

Durham Carr, NC House Creek, NC Lebanon, NC North Carolina
Median Insurance Rates $989 -$209 +$421 -$159 +$96

Durham Car Insurance Savings By Neighborhood & Street Area

Durham Driver Street Residence & Car Locations Car Details in Durham Durham Driver Demographics Durham Auto Insurance Estimates Recent Durham Insurance Savings
The American Village
Landmark Pl2003 Buick Century Base16 year male teenager$2,641$810
Rowemont Dr2008 Chrysler 300 Touring75 year male senior$1,152$964
Surry Green
Wofford Rd2006 Mazda MAZDA3 i48 year man$1,268$874
Hamstead Ct2004 GMC Sierra 1500 Work Truck60 year senior$1,088$859
Orange Factory
Parkhaven Pl2007 Jeep Grand Cherokee Laredo37 year married woman$769$304
Clancey Ct2010 Lincoln MKZ Base47 year married man$1,374$993
Bluestone Rd2007 Ford Fusion I-4 SE19 year teenager$2,379$507
Stepney Ct2011 Hyundai Sonata GLS29 year woman$957$387
Briarhaven Dr2010 Nissan Rogue S73 year female senior$1,150$986
Perigrine Way2008 Cadillac DTS 18 year female teenager$2,815$912

Durham Post DUI Car Insurance Rates

Durham Carrboro Chapel Hill New Light North Carolina
Median Post DUI Insurance Rate $1839 -$156 -$156 +$876 +$179
Male Teenager Post DUI Insurance Rate $5222 -$442 -$442 +$2489 +$508
Female Teenager Post DUI Insurance Rate $4542 -$385 -$385 +$2165 +$440

The Post DUI insurance in Durham, NC's is $1839 compared to Carrboro (-$156), Chapel Hill (-$156), New Light (+$876) and North Carolina (+$179)

In Durham, a male teenager with Post DUI pays $680 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Mazda MAZDA3 i in Durham, NC would pay $4927 on auto insurance while a female teenager POST DUI would pay $4285.

Durham Car Insurance by Segment

Durham Teenagers Car Insurance Rates Comparison

16498 Durham Teenagers (7% of total population), 48% Male & 52% Female.

Durham Williams Morrisville Orange County North Carolina
All Teenagers $2571 +$1121 -$127 +$1199 +$250
Male Teenager $2808 +$1224 -$139 +$1310 +$273
Female Teenager $2442 +$1065 -$121 +$1139 +$237

Durham teenagers pay $2571 in insurance in contrast with Williams (+$1121), Morrisville (-$127), Orange County (+$1199) and North Carolina (+$250). The difference between Male & Female teenagers in Durham is $366


  • 2014 Volkswagen Jetta S Male Teenager Insurance Rate $2,757
  • 2013 Honda Civic LX Female Teenager Insurance Rate $2,153

Durham Men & Women Car Insurance

229963 Durham Adults (100% of total population), 47% Men & 53% Women.

Durham Oak Grove Orange County Carrboro North Carolina
All Women $959 +$108 +$447 -$82 +$93
Married Women $899 +$102 +$420 -$76 +$88
All Men $1345 +$151 +$627 -$115 +$130
Married Men $1325 +$149 +$618 -$113 +$128

The typical insurance rate of $1345 that Durham Men pay varies from Oak Grove (+$151), Orange County (+$627), Carrboro (-$115) and North Carolina (+$130). In Durham, married men pay $426 more than married women.


  • 2014 Kia Sorento LX Married Men Insurance Rate $1,323
  • 2012 BMW 3 Series 328i Married Women Insurance Rate $1,717

Durham Senior Car Insurance

31021 Durham Seniors (13% of total population), 41% Senior Men & 59% Senior Women.

Durham New Light Carrboro Bartons Creek North Carolina
All Seniors $1206 +$575 -$102 +$563 +$117
Senior Men $1206 +$575 -$102 +$563 +$117
Senior Women $1226 +$584 -$104 +$572 +$119

Durham seniors pay $1206 in insurance compared to New Light (+$575), Carrboro (-$102), Bartons Creek (+$563) and North Carolina (+$117). In Durham, senior men pay $20 less than senior women.

Durham Car Insurance Discounts for Multiple Vehicles

Durham Population with 1 Vehicle 37669 (40% of Durham population), 2 Vehicles 35476 (37% of the Durham population) and 3 vehicles 9325 (10% of the population)

Durham Morrisville Bartons Creek Hillsborough North Carolina
2 Vehicles $1880 -$94 +$875 -$160 +$182
3 Vehicles $2869 -$143 +$1336 -$244 +$278
4 Vehicles $3858 -$192 +$1797 -$328 +$374

Durham Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Volkswagen, Jetta SE $1,500 $1,000 $1,500 $940 $2,440 $-940
Nissan, Murano SL $1,000 $1,180 $1,680 $1,110 $2,110 $-430
Kia, Rio SX $300 $1,070 $1,370 $990 $1,290 $80
Ford, Edge Limited $700 $980 $1,480 $930 $1,630 $-150
Ford, Explorer $500 $1,020 $1,520 $960 $1,460 $60