How Much Does Car Insurance Cost in Durham?
On average, premiums in North Carolina are 39% lower than the national average. While premiums in the city are also relatively low, understanding premium costs while insuring a vehicle in Durham is still crucial. Review our tips to save on Durham car insurance and save some hard-earned money.
AUTO INSURANCE COSTS: DURHAM VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Durham Car Insurance by Gender and Marital Status
Marital status as well as gender are important considerations in determining the cost of car insurance in Durham. While being single (as opposed to married) doesn't significantly change 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. Females have premiums that are a little more pricey than those for males.
DURHAM CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Durham Car Insurance by Credit Rating
The variance between average car insurance premiums in Durham for those with Very Poor credit (300-579) and Exceptional credit (800-850) is $192 per year. The greatest benefit of better credit occurs when rising from Good (670-739) to Very Good (740-799), by which drivers can save an average of $73 per year.
DURHAM AUTO INSURANCE COSTS BY CREDIT LEVEL
Durham Car Insurance Rates by Age Bracket
Car insurance premiums are highest for teenage drivers, with payments that average $1,939 per year. The biggest decline in premiums for Durham drivers happens when they hit their 20s. Once out of the teenage age bracket, drivers save an average of 54%. The first time drivers can anticipate their age to trigger an increase in car insurance premiums is when they turn 60. When you look across all age groups, drivers in their 50s have the lowest premiums. Their rates usually average $857/year. However, people in their 40s and 60s have premiums that aren't much higher, with premiums of $865 and $874, respectively.
DURHAM CAR INSURANCE COSTS BY DRIVER AGE
Durham Auto Insurance for High-Risk Drivers
Maintaining an unblemished driving record is crutial if you want to keep your premiums low. In general, a DUI in Durham will cost you 94% more in car insurance premiums versus the city average of $876. Reckless driving will also bump your premiums up, with typical rates of $3,711, which are 324% higher than the city average! Being at-fault in an accident with damages exceeding $2,000 costs you an extra $128 per year in premiums compared to an accident with damages less than $1,000.
AVERAGE DURHAM INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$1,207|
|At-fault Accident (damages greater than $2,000)||$1,335|
|Speeding Ticket (16-20 mph over speed limit)||$1,313|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Durham Agents
David Insurance Group, LLC
5005 Silhouette Dr. Durham, NC 27713
The Sorgi Insurance Agency
16 Consultant Pl Ste 102 Durham, NC 27707
Tyson Insurance Services, Inc.
3814-A N Duke St Durham, NC 27704
MAD Money Financial, Inc
1810 Fay St Durham, NC 27704
Reliable Insurance Agency of NC, Inc.
3325 Durham Chapel Hill Blvd Durham, NC 27707
First Insurance Services, Inc.
5417 S MIAMI BLVD DURHAM, NC 27703
Dominick Huckabee Noblin Ins Agy, Inc. Dba Dominick Huckabee Noblin Trent Ins
3604 Shannon Rd Ste 105 Durham, NC 27707
The Insurance Center of Durham, Inc.
1920 Front St Ste 710 Durham, NC 27705
The average Durham resident's annual cost of coverage
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Durham Car Insurance
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