On average, your neighbors pay $54 a monthSee Your Rates
Durham, the City of Medicine, is home to low car insurance rates. If you’re looking for insurance in Durham, here are the best companies, rates, laws, and more.
How much does car insurance cost in Durham, NC? For many drivers, average insurance premiums here are lower than the national average. The average cost of auto insurance in North Carolina is $655.37 a year. The national average price is $889.01.
Your rate will vary based on your coverage, driving record, and number of claims in your zip code.
|Total Cost Per Year||$872.3|
|Price Per Month||$72.70|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average North Carolina rates from 2011 to 2015, the most recent year the data is available. According to the Insurance Information Institute, North Carolina car insurance rates increased from $600 in 2011 to $655 in 2015, a jump of $55 dollars, or 9.22 percent.
Shopping for car insurance can seem like a lot of work. From researching companies to comparing rates, it’s easy to get overwhelmed.
QuoteWizard helps consumers compare quotes from national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Durham, North Carolina and save up to 40% on your premium.
Last year, 12,488 people used QuoteWizard to compare car insurance quotes in Durham, NC from multiple companies and get the cheapest rates.
These are the most common car insurance companies reported by QuoteWizard users in Durham, North Carolina last year. Of these, 1,756 were uninsured when they requested a quote.
These are the most popular cars owned by Durham, NC QuoteWizard users.
Durham, North Carolina law requires all drivers carry minimum liability coverage of 30/60/25. This means all Durham drivers must have the following coverage:
In additional, Durham drivers need uninsured/underinsured coverage:
It’s important to know that minimum coverage doesn’t include collision or comprehensive coverage. Minimum coverage pays for damages to other people and their property. It doesn’t cover your damages or medical bills after an accident. Your bills will quickly add up.
To make sure you have adequate coverage, we recommend the following:
If you live in an area known to have many accidents, it can hurt your rates. North Carolina ranks as the 18th worst driving state. Our data reflects accidents, speeding tickets, DUIs, and citations occurring in the US.
Weather, road conditions, and traffic are all factors in your insurance rates. The riskier your driving conditions are, the higher your premium can be.
Durham can have extreme road conditions depending on the time of year. During the summertime, expect temperatures near 100 degrees with strong humidity. All that warm air makes your engine pull more oxygen in to maintain performance. While this really doesn’t affect fuel intake, it can overwork your engine.
During the wintertime, snowfall around the Durham area can make driving treacherous. Heavy rains add risk to your drive also.
The average commute time for drivers in Durham is 22.6 minutes. The national average is 25.3 minutes. Spending more time on the road leads to a higher risk of accidents.
Tickets and accidents tend to be the main cause of a car insurance rate increase. If you have too many accidents on your record, you might need to purchase high-risk insurance.
The NC DMV keeps records of drivers in the state. Speeding tickets add points to your personal record. There are various penalties depending on the amount of points you have. For example, if you get 12 points on your record within a three-year period, it can result in a license suspension.
Getting a traffic ticket puts points on your license. It will also virtually guarantee a rate increase. Do your best to avoid tickets!
DWI penalties in Durham are based on a level system. Your level depends on your blood alcohol level, current driving record, and more.
Depending on your level, you can face penalties including up to $10,000 in fines, one to three years in jail, and license suspension.
Aside from legal punishment, a DUI will also hurt your insurance rates. Our data shows drivers with DUI offenses can expect to pay an average of $830 more per year for car insurance.
North Carolina drivers do not need to get an SR-22 in event of a DUI. You will still need to fulfill any SR-22 requirements from other states.
High accident rates in an area can result in higher insurance costs. Durham reported 12,643 auto crashes in 2016.
In 2016 there were 22 auto fatalities in Durham. This is a 13.6 percent decrease from 25 fatalities in 2015.
Regions that have many car thefts are considered high-risk by insurers. This can lead to higher premiums, especially if you drive a commonly-stolen car. Durham reported 746 car thefts in 2017, a 9.7 percent increase over 680 thefts in 2016.
Looking to save money on your car insurance in Durham? There are many discount options available to get a lower rate:
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