Car Insurance in Durham

Durham has premiums that are fairly equivalent to the state average, as they are within $11 of one another. Who doesn't like to save money? Check out some ways to save on car insurance in Durham.

  • City Average: $876
  • State Average: $865
  • National Average: $1,427

Durham Car Insurance by Age

Teenage drivers have the highest rates out of all the age groups, with car insurance payments of $1,939 on average. The most significant decline in premiums for Durham drivers happens when they hit their 20s. Once out of the teenage age range, individuals save, on average, 54%. Car insurance premiums continue to trend downward up until drivers hit 60. Looking across all age groups, drivers in their 50s have the smallest insurance premiums. Their rates usually average $857. Those in their 40s and 60s aren't paying significantly more, with premiums of $865 and $874, respectively.

  • Teenagers: $1,939
  • 20s: $894
  • 30s: $875
  • 40s: $865
  • 50s: $857
  • 60s: $874
  • 70s: $914

Durham Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can influence your prices on car insurance. Reckless driving will increase your car insurance premiums more than other driving violations. Generally, a DUI in Durham will cost you 94% more in car insurance premiums versus the city average ($876). Reckless driving will also drive your rates up, with typical rates of $3,711. That is 324% higher than the city average! The value of the damage caused by an accident plays a part in the degree to which insurance rates will climb. Being at-fault in an accident with damages exceeding $2,000 costs you an additional 11% per year in premiums compared to an accident with damages less than $1,000.

  • DUI: $1,701
  • Reckless Driving: $3,711
  • At-fault Accident (damages less than $1000): $1,207
  • At-fault Accident (damages greater than $2000): $1,335
  • Speeding Ticket (16-20 mph over speed limit): $1,313

Durham Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Durham is determined by numerous considerations, including gender and marital status. While being married (as opposed to single) doesn't significantly alter your premiums, it does cost you a bit more to insure your vehicle. On the other hand, widowed and divorced individuals pay the same as drivers who are single. Males have premiums that are cheaper than those for females, but only by a small margin.

  • Female: $879
  • Male: $876
  • Single: $876
  • Married: $882
  • Divorced: $876
  • Widowed: $876

Durham Car Insurance by Credit Rating

The discrepancy between average car insurance premiums in Durham for those with Very Poor credit (300-579) and Exceptional credit (800-850) is $192 a year. Drivers can save nearly $73 per year when they boost their credit tier from Good (670-739) to Very Good (740-799).

  • Very Poor: $1,042
  • Fair: $1,010
  • Good: $957
  • Very Good: $884
  • Exceptional: $850

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

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

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

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

David Insurance Group, LLC

5005 Silhouette Dr. Durham, NC 27713

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

First Insurance Services, Inc.

5417 S MIAMI BLVD DURHAM, NC 27703

See All

Not sure about Durham

Check out these other North Carolina cities...

Charlotte

Raleigh

Greensboro

Winston-Salem

$763

The average Durham resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

122

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

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Additional Resources:

Durham Car Insurance

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