Best Car Insurance Rates in Durham, North Carolina

On average, your neighbors pay $54 a month

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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.

Average Durham Car Insurance Rates

How much does car insurance cost in Durham? For many drivers, average insurance premiums here are lower than the national average. The average cost of auto insurance in Durham 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.

Alaska Average Annual Car Insurance Rates
Coverage Rates
Liability $539.68
Collision $350.81
Comprehensive $137.26
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.

Alaska average car insurance rates

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.

Best Car Insurance Companies in Durham, NC

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.

Top 10 Vehicles in Durham

These are the most popular cars owned by Durham, NC QuoteWizard users.

  1. Toyota Camry/LE/SE
  2. Honda Accord EX/LX
  3. Nissan Altima 2.5
  4. Nissan Sentra S
  5. Civic EX/LX
  6. Ford Focus SE
  7. Acura CSX
  8. Ford F-150
  9. Ford Explorer
  10. Ford Ranger
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Durham, NC

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: 

  • Individual Bodily Injury Liability (BIL): $30,000
    The maximum amount your insurer pays for a person injured in a car accident.
  • Total Bodily Injury Liability: $60,000
    The total your insurer pays for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000
    The maximum your insurer pays for property damage caused by a car accident.

In additional, Durham drivers need uninsured/underinsured coverage:

  • $30,000 uninsured motorist bodily injury per person
  • $60,000 uninsured motorist bodily injury per accident
  • $25,000 uninsured property damage per incident

Recommended Coverage Levels

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: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Durham Drivers

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.

Driving Conditions

Weather, road conditions, and traffic are all factors in your insurance rates. The riskier your driving conditions are, the higher your premium can be.

Weather

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.

Road Conditions

North Carolina’s roads and highways are currently rated as fair to good condition. Durham drivers pay an additional $489 annually due to poor road conditions.

Traffic Congestion

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.

Moving Violations

Tickets and accidents tend to be the main cause of a rate increase. If you have too many accidents on your record, you might need to purchase high-risk insurance.

Traffic Tickets

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!

DUI and DWAI Arrests

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.

SR-22 DUI/DWAI 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.

Car Accident Statistics

High accident rates in an area can result in higher insurance costs. Durham reported 12,643 auto crashes in 2016.

Traffic Fatalities

In 2016 there were 22 auto fatalities in Durham. This is a 13.6 percent decrease from 25 fatalities in 2015.

Vehicle Theft Rates

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.

Save With Car Insurance Discounts

Looking to save money on your car insurance in Durham? There are many discount options available to get a lower rate:

  1. Bundle your car insurance with your home or renters insurance. It can cut up to 15 percent off your total bill 
  2. If you’re 55 or over, see if a senior citizens discount is available 
  3. If you live in a safe neighborhood in Durham, you could save money 
  4. Do you have more than one car? See if your insurer provides a multiple car discount
  5. Safe driving with a clean record can add up to lower rates
  6. Install up-to-date safety features and anti-theft devices your vehicle.
  7. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  8. Shop around and compare car insurance rates in Durham.
  9. Are you married? Insurers may offer discounts to married couples 
  10. Take a certified defensive driving course 

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