What's the Average Cost of Car Insurance in Durham?


North Carolina is recognized for its inexpensive premiums, as its mean rate is 40% lower than the national average. While premiums in the city are relatively low as well, being knowledgeable about premiums while insuring a vehicle in Durham is still critical. We've analyzed how auto insurance rates in Durham compare to premiums nationwide.


CAR INSURANCE RATES: DURHAM VS. STATE/US AVERAGES
City AverageState AverageNational Average
$951$941$1,569


Durham Car Insurance by Marital Status and Gender


In Durham, various driver traits, including gender and marital status, affect car insurance premiums. While being married (as opposed to single) doesn't drastically alter your premiums, it does save you a small amount on car insurance. In contrast, widowed and divorced individuals pay the same as drivers who are single. Luckily for men, their premiums tend to be somewhat cheaper than for women.


DURHAM CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$954
Male$951
Single$951
Married$943
Divorced$951
Widowed$951


Durham Auto Insurance by Age

Teenage drivers are the ones who pay the most in car insurance premiums, with typical payments of $2,125. In Durham, drivers see the most significant drop in premiums when they hit their 20s, as they pay an average of 51% less after moving out of the teenage age bracket. Car insurance premiums for drivers in Durham continue to decline through their 50s, but they can anticipate to pay more when they hit 60. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest insurance rates among any age group, with rates of $879 per year. People in their 60s and 70s aren't paying significantly more, with premiums of $890 and $892, respectively.


DURHAM AUTO INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$2,125
20s$1,046
30s$947
40s$925
50s$879
60s$890
70s$892


Durham Auto Insurance for Drivers With At-Fault Accidents or Violations


Being knowledgable about which driving mishaps can make your premiums spike will help you make better decisions and save money. Insurance rates are impacted by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an extra $248 per year in premiums. In general, a DUI in Durham will cost you 322% more in car insurance premiums versus the city average ($951). Reckless driving will also drive your rates up, with typical rates of $1,749, which are 84% higher than the city average!


AVERAGE DURHAM INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Insurance Rate
DUI$4,010
Reckless Driving$1,749
At-fault Accident (damages less than $1,000)$1,324
At-fault Accident (damages greater than $2,000)$1,572
Speeding Ticket (16-20 mph over speed limit)$1,433


Durham Auto Insurance by Credit Rating


Improving your credit can save you a good sum of money. Those in the bottom credit tier (300-579) pay an average of 67% more each year on premiums than those in the top credit tier (800-850). Shifting from Very Poor (300-579) to Fair (580-669) results in the most notable drop in premiums, as drivers save an average of $416 per year.


DURHAM AUTO INSURANCE RATES BY CREDIT LEVEL
Credit QualityAverage Rate
Very Poor$1,471
Fair$1,055
Good$951
Very Good$921
Exceptional$881


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

104

Rainy Days a Year

44"

Avg. Annual Rainfall

5"

Avg. Annual Snowfall

Be Prepared For

Driving in Durham

2
Major Highways
NC 147 U.S. 15-501 I-85

Car Insurance Companies in Durham

Find Local Durham Agents

David Insurance Group, LLC

5005 Silhouette Dr. Durham, NC 27713

MAD Money Financial, Inc

1810 Fay St Durham, NC 27704

Reliable Insurance Agency of NC, Inc.

3325 Durham Chapel Hill Blvd Durham, NC 27707

The Insurance Center of Durham, Inc.

1920 Front St Ste 710 Durham, NC 27705

Dominick Huckabee Noblin Ins Agy, Inc. Dba Dominick Huckabee Noblin Trent Ins

3604 Shannon Rd Ste 105 Durham, NC 27707

First Insurance Services, Inc.

5417 S MIAMI BLVD DURHAM, NC 27703

The Sorgi Insurance Agency

16 Consultant Pl Ste 102 Durham, NC 27707

Tyson Insurance Services, Inc.

3814-A N Duke St Durham, NC 27704

See All

Not sure about Durham

Check out these other North Carolina cities...

Charlotte

Raleigh

Greensboro

Winston-Salem

2

$763

The average Durham resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

122

That's equal to 122 cups of coffee or $305 in savings

See How Much You Can Save in Durham

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Durham Car Insurance

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