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 Average||State Average||National Average|
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/Gender||Average Rate|
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
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/Incident||Average Insurance Rate|
|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 Quality||Average Rate|
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
Dominick Huckabee Noblin Ins Agy, Inc. Dba Dominick Huckabee Noblin Trent Ins
3604 Shannon Rd Ste 105 Durham, NC 27707
MAD Money Financial, Inc
1810 Fay St Durham, NC 27704
Tyson Insurance Services, Inc.
3814-A N Duke St Durham, NC 27704
The Sorgi Insurance Agency
16 Consultant Pl Ste 102 Durham, NC 27707
First Insurance Services, Inc.
5417 S MIAMI BLVD DURHAM, NC 27703
David Insurance Group, LLC
5005 Silhouette Dr. Durham, NC 27713
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
The average Durham resident's annual cost of coverage
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