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 AverageState AverageNational Average
$876$865$1,427


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/GenderAverage Rate
Female$879
Male$876
Single$876
Married$882
Divorced$876
Widowed$876


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
CreditAverage Rate
Very Poor$1,042
Fair$1,010
Good$957
Very Good$884
Exceptional$850


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


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/ViolationAverage Annual Premium
DUI$1,701
Reckless Driving$3,711
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.

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

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

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

See How Much You Can Save in Durham

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Additional Resources:

Durham Car Insurance

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