Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Author profile picture

Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

Author profile picture

Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Durham?

Car insurance in Durham costs an average of $569 for a six-month policy or $95 per month on average. In 2024, our data shows North Carolina Farm Bureau is the cheapest car insurance company in Durham with rates at $425 for a six-month policy.

When compared to the national average, North Carolina is more or less on par when it comes to car insurance rates. Durham residents typically enjoy affordable premiums for a standard car insurance policy. In fact, our research shows that residents of Durham pay slightly less than the statewide average every six months ($569 to North Carolina's $574). 

Still, 40% of our customers in Durham utilized The Zebra's quote tool because they believe they're paying too much for their car insurance with their current policy. If you, too, need help with your car insurance, read on to learn more about what a fair rate looks like in Durham based on common factors like credit score, coverage level and more.

Average car insurance costs in Durham vs. North Carolina

Updating data...

Car Insurance in Durham vs. North Carolina Avg. 6 Mo. Premium
Durham Average $569
North Carolina Average $574

Source: The Zebra

The cheapest car insurance companies in Durham

1st place medal
1st place: North Carolina Farm Bureau

North Carolina Farm Bureau is the cheapest at $71 per month or $425 for a six-month policy.

2nd place medal
2nd place: State Farm

In second place is State Farm, which costs $445 per month.

3rd place medal
3rd place: GEICO

Rounding out the list is GEICO as the third-cheapest insurance company. On average, a GEICO policy in Durham costs $476 per six-month policy.

The Zebra's key takeaways about car insurance in Durham:

  • The average cost of a car insurance policy in Durham is $569 per six-month policy — $95 per month.
  • The cheapest company in Durham is North Carolina Farm Bureau ($425).
  • Durham's premiums are fairly average for North Carolina car insurance.
  • 40% of Zebra customers in Durham stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

Location pin icon
No junk mail. No spam calls. Free quotes.

Durham car insurance rates by company

According to our data for 2024, the cheapest car insurance company for full coverage in Durham is North Carolina Farm Bureau at $71 per month or $425 per six-month policy, while the second cheapest is State Farm at $74 per month or $445 for a six-month policy.

Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.

 

Cheapest car insurance companies in Durham, NC
Cheapest car insurance companies in Durham, NC

Updating data...

Company Avg. 6 Mo. Premium
North Carolina Farm Bureau $425
State Farm $445
GEICO $476
MetLife $576
Progressive $590
Nationwide $776
Allstate $911

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.


Shop around for the best rates


The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Durham.

Location pin icon
No junk mail. No spam calls. Free quotes.

Average car insurance in Durham by rating factor

Car insurance companies base their policy premiums on a series of rating factors. Rating factors are details about each driver that determine the amount of risk that driver poses to the insurance company. Things like age, location, previous claims, tickets, and credit score can be considered. While most companies use the same suite of rating factors, some place more importance on certain factors over others. Because of this, the impact this will have on your premium may vary.

As these factors may change as time goes on, it's important to compare quotes at each renewal cycle to ensure you're still getting the best rates. 

Q: I didn't have an accident — Why is my insurance going up?

A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) is also a major rating factor for how much you will pay for car insurance in Durham. Even if you’ve had no claims with your insurance company, you could still be paying more with a particular insurance company because the price of doing business has increased in Durham.

Auto insurance premiums by age in Durham

While different insurance companies place various levels of importance on rating factors, age remains one of the most important when it comes to assessing rates. In insurance terms, age typically translates to years of driving experience, making younger drivers less experienced and therefore, more of a risk to insure. Unsurprisingly, teen drivers have a higher accident rate than any other age group. Because of this, they face the highest premium bracket of any age group regardless of location.

In Durham, teen drivers pay $682 more per policy period than drivers in their 20s. That's a 111% difference; the largest difference between any two age groups. 

While this may seem unfair, it's important to remember that insurance companies are in the business of risk management. By charging higher rates for teen drivers, they are able to offset the increased cost of paying claims. In other words, it's not personal; it's just business.

Cheapest car insurance companies for teen drivers in Durham, NC
Cheapest auto insurance companies for teens in Durham, NC

Updating data...

Company Avg. 6 Mo. Premium
State Farm $752
North Carolina Farm Bureau $918
GEICO $1,242
MetLife $1,268
Progressive $1,282
Nationwide $1,829
Allstate $2,069

Source: The Zebra

Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s North Carolina Farm Bureau $425
30s North Carolina Farm Bureau $422
40s North Carolina Farm Bureau $422
50s North Carolina Farm Bureau $422
60s North Carolina Farm Bureau $422
70s North Carolina Farm Bureau $422

Zebra Tip: The cheapest companies for Durham drivers between 20-40 are North Carolina Farm Bureau, GEICO and State Farm


Our data tells us that drivers between the ages of 20-40 make up the bulk of Durham drivers. On average, this group pays $603 every six months. By going with these companies, these groups can potentially save 20%.

Auto insurance premiums for minimum coverage in Durham

State minimum coverage describes the minimum amount of liability limits set by your state's laws. Many drivers simply carry the mandated amount of coverage, but just as many select plans with more coverage options in order to get the most protection out of their insurance policy.

In Durham, 20% of drivers have the state minimum coverage, according to our data. Drivers who own their vehicle may choose the amount of coverage they desire, leaving you the option to just go with state minimum coverage (it tends to be the most affordable option for premiums). Those who lease or finance their vehicle may be subject to certain coverage restrictions according to their lending assocation, often requiring that drivers carry comprehensive and collision coverage. While drivers are only required to have a certain amount of coverage, only having the state minimum coverage level leaves you at risk of being underinsured.

With comprehensive and collision coverage (known as "full coverage" insurance) can increase your rates dramatically. These coverages require a deductible, which can also impact your rates. You can raise your deductible amount to help lower your monthly premiums, but that means your out-of-pocket costs in the event of an accident are higher. 

Other common optional coverages include roadside assistance or uninsured motorist coverage. These can offer assistance if in need of a tow and protect you against drivers who do not carry auto insurance coverage. While they can add to your overall car insurance premiums, experts at The Zebra still recommend carrying such coverage options, as they can go a long way in protecting both you and your vehicle.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

In an analysis of our data, 43% of drivers in Durham have owned vehicles. If you are not leasing or financing your vehicle, you should consider if dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. The general rule of thumb is if your vehicle is worth less than $4,000, you probably don't need collision coverage. Bear in mind, however, that dropping these coverages means that you will have to pay for any repairs out of your own pocket.

Cheapest car insurance companies for minimum coverage in Durham, NC
Cheapest companies for minimum coverage in Durham, NC

Updating data...

Company Avg. 6 Mo. Premium
North Carolina Farm Bureau $184
State Farm $192
GEICO $223
MetLife $245
Progressive $254
Nationwide $293
Allstate $392

Source: The Zebra

  • Minimum: State liability coverage only
  • Basic: State liability + collision and comprehensive (full) coverage
  • Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
  • Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.

Most of our customers in Durham opt for the basic level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. north Carolina's 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Learn more about insurance laws in North Carolina.

Durham car insurance rates by credit score

In most states, including North Carolina, credit score is a rating factor in determining premiums. In the eyes of insurance companies, drivers with lower credit scores are more likely to file claims or engage in risky driving behavior, according to data analysis over the years. Because of this association, poor credit means higher insurance premiums.

In fact, Durham drivers with poor credit (300-579) pay 36% more than drivers with excellent credit (800-850). Our data tells us most drivers in Durham have a "Good" credit score. In 2024, North Carolina Farm Bureau is the cheapest option for Durham drivers for this credit range.

car insurance in houston by credit score
Cheapest car insurance companies for bad credit in Durham, NC
Cheapest car insurance companies for bad credit in Durham, NC

Updating data...

Company Avg. 6 Mo. Premium
MetLife $576
Progressive $590
North Carolina Farm Bureau $681
GEICO $688
Nationwide $997
State Farm $1,022
Allstate $1,465

Source: The Zebra

Zebra Tip: If you recently improved your credit score, shop around for car insurance!


In Durham, our data shows drivers with "Fair" credit pay $223 less for car insurance in a year than drivers with "Poor" credit. If you have recently paid off a loan or other credit-improving actions, check your preferred credit monitoring software to see if your recent efforts could save you on your car insurance!

Auto insurance rates with an at-fault accident

At-fault and collision-type accidents are the most common type of insurance claims. In 2024, an at-fault accident raised the average car insurance rates in Durham from $95 to $160 per month. The cheapest insurance company in Durham after an at-fault accident is North Carolina Farm Bureau.

Location aside, your driving record is one of the most important rating factors insurance companies use to determine your rate. Accidents and other violations like tickets and DUIs always result in rate increases. A citation such as this is likely to stay on your record (and impact your premiums) for three to five years. The best way to keep your rates low and your record clean is to avoid accidents and other charges as best you can.

Cheapest car insurance companies after an at-fault accident in Durham, NC
Cheapest car insurance companies for an at-fault accident in Durham, NC

Updating data...

Company Avg. 6 Mo. Premium
North Carolina Farm Bureau $639
State Farm $688
MetLife $875
Progressive $895
GEICO $990
Nationwide $1,246
Allstate $1,866

Source: The Zebra

Durham car insurance rates by violation

Below you can see how much different violations and claims will increase your rate in Durham.

Car insurance rate increases after violations and citations in Durham, NC
Car insurance rate increases after violations and citations in Durham, NC

Updating data...

Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $569 0% $0
One Med/PIP claim $569 0% $0
Not-at-fault accident $580 2% $11
One comp claim $591 4% $22
Two Med/PIP claims $591 4% $22
Two comp claims $610 7% $41
Failure to show documents $674 18% $105
Child safety restraint $742 30% $173
Failure to wear a seat belt $742 30% $173
Driving without lights $742 30% $173
Texting while driving $783 38% $214
Cell phone violation $783 38% $214
Speeding 6 - 10 MPH over limit $792 39% $223
Driving with expired registration $793 39% $224
Failure to stop at a red light $811 42% $241
Illegal turn $811 42% $241
Open container $811 42% $241
Failure to yield $811 42% $241
Wrong way/wrong lane $811 42% $241
Operating a vehicle without permission $811 42% $241
Driving too slowly $811 42% $241
Speeding in school zone $815 43% $246
At-fault accident - $1000-$2000 $822 44% $253
At-fault accident - less than $1000 $822 44% $253
Speeding 11 - 15 MPH over limit $864 52% $295
In 65 MPH zone $864 52% $295
Speeding 16 - 20 MPH over limit $869 53% $299
Speeding 21 - 25 MPH over limit $869 53% $299
Improper passing $882 55% $313
Following too closely $889 56% $320
At-fault accident - greater than $2000 $957 68% $388
Passing school bus $1,086 91% $517
Reckless driving $1,097 93% $528
Driving with a suspended license $1,694 198% $1,125
Leaving scene of an accident/hit and run $2,377 318% $1,808
Refusal to submit to a chemical test $2,404 322% $1,835
DUI $2,411 324% $1,842
Racing $2,454 331% $1,885

Source: The Zebra


Why is car insurance in Durham so expensive?

When looking at insurance rates in Durham, it is actually one of the more affordable places to insure your car. North Carolina as a whole is fairly well aligned with the national average rate for auto insurance. Still, some areas can be more costly than others, and different rating factors like your age, driving history, and credit score can raise premiums. 

Below you'll find a rundown of why car insurance can be so expensive in Durham — regardless of your driving profile.

location pin
Location

Certain areas of a city can vary in car insurance rates. Some zip codes have higher rates of crime, theft and uninsured motorists, resulting in higher premiums. The areas of a city that are more prone to crime are seen as riskier investments for insurance companies, thus higher rates for those who live there.

With about 107 square miles in Durham, some areas are safer than others. 

Expensive Durham ZIP codes: 27706, 27701, 27704, 27703, 27712

Cheap Durham ZIP codes: 27517, 27560, 27709, 27713, 27705

steering wheel icon
Number of drivers

Like many southeastern American cities, Durham's infrastructure is not built on a grid system, and roads can be windy and spread out wide. Driving a personal vehicle is the residents' main form of transportation, so there is a high number of drivers on the road compared to cities with more public transportation systems. More drivers means the higher potential for accidents. 

According to our data, about 28% of drivers in Durham are not currently insured. If you’re hit by an uninsured driver in Durham, you could be left paying for the damage yourself.

 

Zebra Tip: Consider uninsured property damage coverage


In cities or ZIP codes with high rates of uninsured drivers, we recommend carrying uninsured motorist coverage (also called UMPD). This coverage will provide assistance to you if you or your vehicle are damaged by an underinsured or uninsured driver. This coverage typically has a lower deductible and is cheaper than collision. Plus, the rate increase after a UMPD claim can be hundreds of dollars cheaper than a collision claim.


Consider bundling car insurance with your home or renters coverage

Almost across the board, car insurance companies offer a multi-policy discount. Bundling two or more policies under one insurance provider can earn you this discount. One of the most common combinations for bundling is homeowners and auto policies.

If you currently have separate policies for your home and car, it's definitely worth shopping around to see if you could save money by bundling them together. In many cases, you'll find you can save up to 10% on the combined premiums. Compare auto insurance quotes with as many companies as possible to guarantee the best rate for your driving profile. 

bundling home and auto insurance in Durham
Cheapest car insurance companies for bundling home and auto insurance in Durham, NC
Cheapest car insurance companies for bundling home and auto insurance in Durham, NC

Updating data...

Company Avg. 6 Mo. Premium
State Farm $383
North Carolina Farm Bureau $447
GEICO $459
MetLife $538
Progressive $590
Nationwide $695
Allstate $749

Source: The Zebra

Find the best rates for both auto and home insurance in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.

Frequently asked questions

North Carolina is one of the more affordable states for car insurance, according to our data. This is mainly because of the lower rate of car accidents in the state and minimal opportunity for weather-related damages.

Durham's cheapest car insurance company is North Carolina Farm Bureau, with rates at $425 for a six-month policy.

On average, Durham car insurance costs $95 per month; this is a fairly typical rate for car insurance in statewide.


Find affordable rates in minutes!

Location pin icon
No junk mail. No spam calls. Free quotes.

How much is car insurance near me? — explore more cities near Durham, NC


Recently answered questions about car insurance in North Carolina from real Zebra customers

Car insurance near me in Durham

Other people are also asking...

Why was a hit and run listed as an at-fault accident on my insurance?

A hit-and-run can be considered at fault for a few different reasons. First, you must have uninsured motorist property damage coverage for the accident to be listed as not at fault. If your collision coverage pays for the damages, then it is listed as an at-fault accident. Lastly, if you have unins…
Feb 3, 2019 Charlotte, NC

How to get a handicap pass without a car

According to the North Carolina Department of Motor Vehicles (DMV), you can apply for a handicap place card. The place card does not require you to own a car. The place card would only be valid for use when your mother is a passenger in the vehicle.  Here is more information from the NCDMV on how t…
Jan 10, 2019 Lumberton, NC

How long do I have to file a property damage claim in North Carolina?

Thanks for reaching out to the Zebra. I'm sorry to hear you're going through this! An accident is stressful enough without worrying about time limitations.The statute in North Carolina for filing a property damage claim is technically three years. However, I would recommend taking care of…
May 26, 2022 High Point, NC

If I hit an object in the road, can I claim this under my comprehensive coverage?

Insurance companies consider hitting an object in the road to be an accident. Unfortunately, that means you will need to use your collision coverage, the incident will be considered your fault, and you'll likely see an increase in premium. I would recommend getting a few repair estimates first…
Nov 23, 2016 Winston-Salem, NC

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.