Cheapest Car Insurance In Durham, NC 2024
Nationwide is the most affordable choice in Durham, with an average monthly rate of $25 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the lowest car insurance rates in Durham, NC, you’ll find significant variations.
For the least expensive liability-only coverage, Nationwide is the top option. For drivers seeking full coverage, Erie offers the best rates. Additionally, State Farm provides the most affordable rates for young drivers.
Cheapest Car Insurance Companies In Durham, NC 2024
Cheapest Minimum Coverage Car Insurance In Durham: Nationwide
Nationwide offers the lowest rates for minimum coverage in Durham, with an average monthly cost of $25.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $35 | $420 |
| Kemper | $40 | $480 |
| Nationwide | $25 | $300 |
| North Carolina Farm Bureau | $32 | $384 |
| Erie | $30 | $360 |
Cheapest Full Coverage Car Insurance In Durham: Erie
Erie provides the most affordable rates for full coverage car insurance in Durham, with average quotes of $45 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $60 | $720 |
| Kemper | $70 | $840 |
| Erie | $45 | $540 |
| North Carolina Farm Bureau | $65 | $780 |
| State Farm | $55 | $660 |
Cheapest Auto Insurance Rates In Durham For Teenagers: Direct Auto
Teenage drivers in Durham can get the most affordable quotes from Direct Auto, with average monthly premiums of $75.
| Provider | Average Monthly Cost | Average Annual Cost |
| GMAC Insurance Group | $140 | $1,680 |
| North Carolina Farm Bureau | $125 | $1,500 |
| Erie | $115 | $1,380 |
| State Farm | $130 | $1,560 |
| Direct Auto | $75 | $900 |
Cheapest Car Insurance In Durham After A Speeding Ticket: State Farm
State Farm is notably more affordable than other companies, offering average rates of $75 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $100 | $1,200 |
| State Farm | $75 | $900 |
| Erie | $85 | $1,020 |
| Nationwide | $80 | $960 |
| National General | $95 | $1,140 |
Cheapest Car Insurance In Durham After At-Fault Accident: State Farm
State Farm provides the lowest car insurance rates for drivers with an at-fault incident, averaging $70 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $70 | $840 |
| Kemper | $90 | $1,080 |
| North Carolina Farm Bureau | $80 | $960 |
| Erie | $75 | $900 |
| Nationwide | $85 | $1,020 |
Cheapest Car Insurance In Durham For Drivers After A DUI: National General
National General offers the most affordable rates for drivers with a DUI in Durham, with average monthly premiums of $145.
| Provider | Average Monthly Cost | Average Annual Cost |
| North Carolina Farm Bureau | $205 | $2,460 |
| Erie | $200 | $2,400 |
| National General | $145 | $1,740 |
| State Farm | $195 | $2,340 |
| Nationwide | $180 | $2,160 |
Cheapest Car Insurance In Durham For Young Adults: Direct Auto
Direct Auto provides the lowest quotes for young adults in Durham, with rates averaging around $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Encompass | $90 | $1,080 |
| Utica National Ins Group | $80 | $960 |
| Direct Auto | $65 | $780 |
| Erie | $95 | $1,140 |
| Auto-Owners Insurance Co | $85 | $1,020 |
Cheapest Car Insurance In Durham For Young Adults: Direct Auto
Direct Auto provides the lowest quotes for young adults in Durham, with rates averaging around $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Encompass | $90 | $1,080 |
| Utica National Ins Group | $80 | $960 |
| Direct Auto | $65 | $780 |
| Erie | $95 | $1,140 |
| Auto-Owners Insurance Co | $85 | $1,020 |
Cheapest Car Insurance In Durham For Seniors: Direct Auto
Direct Auto offers the lowest car insurance rates for seniors in Durham, with average quotes of $60 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $90 | $1,080 |
| Erie | $75 | $900 |
| North Carolina Farm Bureau | $82 | $984 |
| Direct Auto | $60 | $720 |
| Safeco | $80 | $960 |
Average Cost Of Car Insurance In Durham – By Age
| Age | Average Yearly Rate |
| Teenagers | $5,520 |
| 20s | $2,160 |
| 30s | $1,920 |
| 40s | $2,100 |
| 50s | $1,500 |
| 60s | $1,680 |
| 70s | $1,380 |
Best Car Insurance Companies In Durham
Here are the top 10 car insurance companies in Durham, NC, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $110 |
| Encompass | $95 |
| Travelers | $105 |
| Direct Auto | $60 |
| North Carolina Farm Bureau | $95 |
| Erie | $80 |
| Safeco | $100 |
| Auto-Owners Insurance Co | $85 |
| GMAC Insurance Group | $108 |
| Utica National Ins Group | $90 |
Average Cost Of Car Insurance In Durham – By Vehicle
| Vehicle | Average Monthly Rate |
| 2016 Dodge Dart | $100 |
| 2007 Mercedes-Benz Gl | $70 |
| 2010 Mazda Cx-7 | $170 |
| 2020 Kia Sportage | $1,170 |
Average Cost Of Auto Insurance In Durham – By Zip Code
| City | Average Monthly Rate |
| 27703 | $175 |
| 27707 | $120 |
| 27701 | $220 |
| 27705 | $110 |
| 27704 | $150 |
How Much Is Car Insurance In Other Cities in North Carolina?
| City | Average Monthly Rate |
| Goldsboro | $135 |
| Fayetteville | $150 |
| New Bern | $130 |
| Charlotte | $160 |
| High Point | $125 |
| Chapel Hill | $120 |
| Greenville | $145 |
| Cary | $115 |
| Greensboro | $139 |
| Asheville | $100 |
Our Methodology
Based on a thorough analysis of customer service ratings, product options, pricing, and reviews from various online sources, I’ve developed a detailed overview of car insurance providers in Durham, NC.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Durham?
In Durham, Nationwide provides the lowest rates for minimum coverage required by the State of North Carolina, while Erie offers the best rates for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Durham?
The average monthly cost of car insurance in Durham is approximately $160. Rates can vary depending on factors such as your zip code, vehicle year and model, and driving history.
