Cheapest Car Insurance In Durham, NC 2025
North Carolina Farm Bureau offers the lowest average price for minimum coverage in Durham, charging around $25 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cheapest car insurance in Durham, NC, isn’t always easy to pinpoint, as rates can fluctuate significantly.
If your goal is to secure the lowest-priced liability coverage, North Carolina Farm Bureau is the way to go. Erie shines in full coverage pricing, and young drivers save the most with Direct Auto.
Cheapest Car Insurance Companies In Durham, NC 2025
Cheapest Liability-only Car Insurance In Durham: North Carolina Farm Bureau
At $25 per month on average, North Carolina Farm Bureau is the most economical choice for minimum coverage in Durham.
The following table highlights rate comparisons across multiple insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| North Carolina Farm Bureau | $25 | $300 |
| State Farm | $31 | $372 |
| Erie | $27 | $324 |
| Nationwide | $45 | $540 |
| Progressive | $43 | $516 |
Cheapest Full Coverage Insurance Rates In Durham: Erie
Erie delivers the cheapest full coverage car insurance in Durham, with rates averaging $55 per month.
The table below outlines average car insurance quotes from Durham’s cheapest insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $55 | $660 |
| Progressive | $70 | $840 |
| North Carolina Farm Bureau | $58 | $696 |
| State Farm | $61 | $732 |
| Nationwide | $97 | $1,164 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
Direct Auto stands out as the most cost-effective choice for senior drivers in Durham, with rates averaging $58 per month.
The table below outlines the cheapest car insurance options for seniors, based on average quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $58 | $696 |
| Safeco | $79 | $948 |
| Erie | $75 | $900 |
| North Carolina Farm Bureau | $86 | $1,032 |
| State Farm | $87 | $1,044 |
Cheapest Rates In Durham For Teenagers: Erie
For teenage drivers in Durham, Erie provides the cheapest insurance, costing about $115 per month.
The table below presents a comparison of the cheapest insurance rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $115 | $1,380 |
| Travelers | $152 | $1,824 |
| Nationwide | $119 | $1,428 |
| State Farm | $187 | $2,244 |
| Progressive | $159 | $1,908 |
Cheapest Auto Insurance For Young Adults in Durham: Direct Auto
The most affordable car insurance for young adults in Durham comes from Direct Auto, with monthly rates averaging $63.
This table presents a side-by-side comparison of the cheapest auto insurance rates for young adult drivers in Durham.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $63 | $756 |
| Safeco | $78 | $936 |
| Erie | $76 | $912 |
| North Carolina Farm Bureau | $87 | $1,044 |
| State Farm | $86 | $1,032 |
Cheapest Car Insurance In Durham For Good Drivers: North Carolina Farm Bureau
For good drivers in Durham, North Carolina Farm Bureau offers the most affordable car insurance, at approximately $25 per month.
If you maintain a clean driving record, the table below can help you find the most affordable insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| North Carolina Farm Bureau | $25 | $300 |
| State Farm | $31 | $372 |
| Erie | $27 | $324 |
| Nationwide | $45 | $540 |
| Progressive | $43 | $516 |
Find affordable Durham rates
Cheapest Car Insurance In Durham After A Speeding Ticket: Nationwide
Nationwide offers one of the most cost-effective policies in Durham, with rates averaging $64 per month for drivers who have a speeding ticket.
The table below outlines the average insurance costs for motorists with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $64 | $768 |
| Travelers | $78 | $936 |
| Erie | $66 | $792 |
| GEICO | $71 | $852 |
| Progressive | $84 | $1,008 |
Cheapest For Drivers With After At-Fault Accident: Erie
In cases of at-fault accidents, Erie provides the cheapest insurance, with monthly premiums averaging $68.
If you have an at-fault accident on your record, these insurers provide the cheapest coverage options.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $68 | $816 |
| Travelers | $81 | $972 |
| Progressive | $90 | $1,080 |
| GEICO | $74 | $888 |
| Allstate | $86 | $1,032 |
Cheapest Rates In Durham For Drivers After A DUI: Nationwide
Nationwide offers Durham’s cheapest auto insurance for drivers after a DUI, with an average cost of $76 per month.
The table below presents a breakdown of the most cost-effective car insurance options for DUI drivers in Durham.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $76 | $912 |
| GEICO | $87 | $1,044 |
| Allstate | $102 | $1,224 |
| Progressive | $105 | $1,260 |
| National General | $114 | $1,368 |
Best Car Insurance Companies In Durham
For Durham drivers, North Carolina Farm Bureau has the best deal at $25 per month, with Erie and State Farm offering competitive rates at $27 and $31.
Below, you’ll find the top 10 car insurance companies in Durham, NC, ordered by their average monthly pricing.
| Company | Monthly Premium |
| North Carolina Farm Bureau | $25 |
| State Farm | $31 |
| Erie | $27 |
| Nationwide | $45 |
| Progressive | $43 |
| Travelers | $55 |
| GEICO | $51 |
| Direct Auto | $62 |
| National General | $67 |
| Safeco | $63 |
Average Auto Insurance Rates In Durham – By Age
The cost of car insurance is largely influenced by a driver’s age. Since young drivers are more accident-prone, they pay steeper rates, with teens averaging about $4,316 annually.
At 25, drivers often benefit from reduced insurance rates, as long as they have a clean record.
Car insurance providers frequently offer the best rates to drivers in their 50s and early 60s, using age as a key factor in pricing policies.
| Age | Average Yearly Rate |
| Teenagers | $4,316 |
| 20s | $2,163 |
| 30s | $1,859 |
| 40s | $1,880 |
| 50s | $1,442 |
| 60s | $1,655 |
| 70s | $1,429 |
Average Rates In Durham – By Vehicle
The type of car you drive is a major factor in determining your insurance premium. Newer luxury cars with advanced technology and costly repairs typically lead to higher insurance rates.
You can compare insurance rates for various vehicles in Durham using the table below.
| Vehicle | Average Monthly Rate |
| Chevrolet Impala | $258 |
| Honda Civic | $92 |
| Kia Optima | $395 |
| Mazda CX7 | $170 |
Average Cost Of Auto Insurance In Durham – By Zip Code
Each zip code has unique car insurance rates because insurers consider crime statistics and other risk factors in your area.
The table below breaks down average insurance prices by zip code in Durham.
| City | Average Monthly Rate |
| 27707 | $115 |
| 27713 | $164 |
| 27705 | $105 |
| 27704 | $156 |
| 27701 | $221 |
How Much Is Car Insurance In Other Cities in North Carolina?
Insurance providers determine your rates based in part on your location. Cities with high traffic, crime, and accident risks tend to have more expensive car insurance premiums.
The cost of car insurance differs by location, with Charlotte drivers averaging $159 per month and Asheville motorists paying about $106 monthly.
| City | Average Monthly Rate |
| Goldsboro | $145 |
| Fayetteville | $150 |
| New Bern | $125 |
| Charlotte | $159 |
| High Point | $125 |
| Chapel Hill | $124 |
| Greenville | $142 |
| Cary | $121 |
| Greensboro | $139 |
| Asheville | $106 |
Find affordable Durham rates
Our Methodology
My analysis of Durham, NC's car insurance providers includes key aspects like customer ratings, pricing, available coverage, and insights from various review sources.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Durham?
In Durham, North Carolina Farm Bureau offers the cheapest minimum coverage, while Erie provides the lowest full coverage rates, which include both comprehensive and collision protection.
What is the average cost of car insurance in Durham?
The average monthly car insurance rate in Durham is roughly $160, though personal factors like location, vehicle details, and driving history affect final costs.
