Car Insurance Quotes Durham nc
Car Insurance Quotes Durham nc
Car insurance is an essential consideration for drivers in any city, particularly in Durham, North Carolina, where rates vary based on numerous factors including the insurance provider, coverage type, and even geographical location. The average cost of car insurance in Durham is approximately $95 per month, which translates to around $569 for a six-month policy. This is relatively affordable compared to the statewide average of $574, illustrating that Durham residents generally enjoy slightly lower premiums than other areas in North Carolina. North Carolina Farm Bureau offers the most competitive rates, with premiums as low as $425 for a six-month policy, making it an attractive option for many drivers in the region.
Several insurance companies provide competitive rates for car insurance in Durham, with the North Carolina Farm Bureau leading the pack in affordability with a monthly rate starting at $71, which is low for full coverage. State Farm’s average monthly premium is $445, while GEICO’s rates average around $476 for a six-month coverage plan. These offerings present potential options for consumers looking to balance coverage and affordability.
Geographical factors also impact car insurance costs within Durham. The average premiums for various ZIP codes within the city reflect this variation. in ZIP code 27703, the full coverage insurance premium averages $121, while liability insurance costs approximately $39. ZIP code 27704 has average rates of $122 and $39 for full and liability coverage.
For residents seeking assistance with their car insurance needs, several reputable agents operate in Durham. Clifton Alston, located at 14 Consultant Pl, is rated 4.5 stars based on 273 reviews. the Caufield Agency at 5611 NC Highway 55 has a rating of 4.0 out of 58 reviews, establishing a solid reputation. Demetrius Hatcher and Tae Kim also represent formidable options, with ratings of 4.2 each. Utilizing local agents can provide personalized service, helping drivers use their insurance options effectively.
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How much does car insurance cost in Durham?
The average cost of car insurance in Durham is $95 per month or $569 for a six-month policy. North Carolina Farm Bureau offers the most affordable auto insurance in Durham in 2025, with premiums as low as $425 for a six-month policy. Durham residents spend $569 per six months, which is marginally less than the statewide average of $574.
The Cheapest Car Insurance Companies in Durham
The top car insurance companies in Durham are as follows:
- North Carolina Farm Bureau
North Carolina Farm Bureau is very affordable at $71 per month or $425 for a six-month policy.
- State Farm
State Farm costs $445 per month.
- GEICO
On average, a GEICO policy in Durham costs $476 per six-month policy.
Affordable Durham Car Insurance Rates by Zip Code
Depending on your zip code, auto insurance rates can also vary greatly inside the city. The average premiums for Durham’s zip codes are listed below:
Zip Code Full Coverage Insurance Liability Insurance Coverage
27703……………….$121……………………………………….$39
27704……………….$122………………………………………$39
27705……………….$98……………………………………….$32
27706………………$124………………………………………$40
27707……………….$98……………………………………….$32
27712……………….$107………………………………………$30
27713……………….$97……………………………………….$32
What Are the Penalties for Driving Without Insurance in Durham
In Durham, driving without insurance is prohibited and carries several fines and punishments. The North Carolina Department of Transportation states that insurance providers must inform the DMV if their liability insurance is cancelled or their policy expires.
You have 10 days to reply to an NCDMV termination notice, failing which you risk many repercussions, such as but not restricted to:
- Revocation of the vehicle’s license plate
- $50 restoration fee
- $50-$150 civil penalty, depending on number of lapses
- Late fees, interest, and collections
Keeping your insurance coverage up to date is the best way to avoid these costly penalties.
Affordable Car Insurance Rates Comparison by Cities in North Carolina
See the breakdown for a comparison of monthly rates for auto insurance around North Carolina:
City Full Coverage Insurance Liability Insurance Coverage
Durham………………….$122………………………………………$39
Raleigh…………………..$119……………………………………….$41
Charlotte………………..$113……………………………………….$40
Greensboro…………….$116………………………………………$38
Winston-Salem……….$96……………………………………….$31
Insurance Agents in Durham, NC
Find four top insurance agents in Durham, NC to assist you with car insurance
Clifton Alston, 14 Consultant Pl
- Rating 4.5
- 273 reviews
- Clifton Alston:
- 14 Consultant Pl, Ste 150
- Durham, NC 27707
- (919) 490-6667
Caufield Agency5611 Nc Highway 55
- Rating 4.0
- 58 reviews
- Caufield Agency:
- 5611 Nc Highway 55, Ste 101
- Durham, NC 27713
- (919) 864-4479
Dimetrius Hatcher
- 4324 S Alston Ave
- Rating 4.2
- 266 reviews
- Demetrius Hatcher:
- 4324 S Alston Ave
- Durham, NC 27713
- (919) 249-7291
Tae Kim4837 Hwy Nc 55 10B
- Rating 4.2
- 200 reviews
- Tae Kim:
- 4837 Hwy Nc 55 10B
- Durham, NC 27713
- (919) 560-9000
the cost of car insurance in Durham, North Carolina, is relatively affordable, particularly when compared to the wider state averages. For additional informationclick here
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