What is the average cost of car insurance in Durham?
The average car insurance rate in Durham, North Carolina, is $951 per year. That's less than the statewide average in North Carolina ($955) and cheaper than the national average of $1,548. Our guide to Durham auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
DURHAM CAR INSURANCE RATES
|Durham Average (annual)||North Carolina Average||National Average|
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Durham auto insurance premiums by company
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, GEICO provides Durham's cheapest rates. We've gathered the best cheap car insurance companies in Durham below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
DURHAM CAR INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
|North Carolina Farm Bureau||$776|
Auto insurance premiums by age in Durham
The age group that pays the least for car insurance in Durham are drivers in their 60s ($889per year). Rates for Durham drivers in their 50s are also relatively affordable, at just $890 per year.
The Durham drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Durham is to age out of your teens. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Durham is $1,095, the largest such difference between any two age groups.
DURHAM CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Yearly Rate|
Durham auto insurance costs by marital status and gender
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Durham pay $6 more than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single.
Gender is another factor that can affect car insurance rates. In Durham, female drivers pay more for auto insurance than do male drivers: $0 per year, to be precise.
DURHAM AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Durham car insurance costs by incident history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Durham drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $830 per year versus the city average. A ticket for speeding results in a $493 rate hike while a DWI or DUI violation costs $3,414per year in extra insurance expenditures.
AVERAGE DURHAM INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,277|
|At-fault Accident (damages greater than $2,000)||$1,566|
|Speeding Ticket (16-20 mph over speed limit)||$1,444|
Durham auto insurance rates by credit level
A driver's credit level can be closely correlated with their auto insurance rates. Durham drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 42% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Durham, improving your credit to "Fair" corresponds with a $402 decrease in annual car insurance rates.
DURHAM CAR INSURANCE RATES BY CREDIT TIER
|Credit Tier||Average Rate (annual)|
What drives up car insurance rates in Durham?
Where you live in Durham affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Durham is no exception to the rule. From ZIP code 27705 to 27704, premiums rise by 5 percent—that’s $38.
Expensive Durham ZIP codes: 27713, 27711, 27710, 27706, 27704
Cheap Durham ZIP codes: 27705, 27712, 27707, 27701, 27703
Durham Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Durham, you can expect 104 rainy days with an annual rainfall of 44 inches. Durham is also known to experience thunderstorms and occasional hurricanes.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Durham
Find Local Durham Agents
The Sorgi Insurance Agency
16 Consultant Pl Ste 102, Durham, NC 27707
MAD Money Financial, Inc
1810 Fay St, Durham, NC 27704
First Insurance Services, Inc.
5417 S MIAMI BLVD, DURHAM, NC 27703
Tyson Insurance Services, Inc.
3814-A N Duke St, Durham, NC 27704
Dominick Huckabee Noblin Ins Agy, Inc. Dba Dominick Huckabee Noblin Trent Ins
3604 Shannon Rd Ste 105, Durham, NC 27707
David Insurance Group, LLC
5005 Silhouette Dr., Durham, NC 27713
The Insurance Center of Durham, Inc.
1920 Front St Ste 710 Suite 710, Durham, NC 27705
Reliable Insurance Agency of NC, Inc.
3325 Durham Chapel Hill Blvd Ste 200, Durham, NC 27707
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