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
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
The average Durham resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Durham
Just enter your zip code to get started
Durham Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...