Best Car Insurance in Durham 2021

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Car insurance in Durham North Carolina costs single-car drivers an average of $2,197 annually, or about $183 per month. Compared to the state annual average of $2,507, auto insurance in Durham is $310 lower.
Here’s how much real Jerry customers pay for insurance in Durham:

Real quotes for Jerry customers in Durham, North Carolina

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 26, 2021Chevrolet Captiva LTNC27NationwideCurrent$130/mo.$69/mo.
June 23, 2021Toyota RAV4 XLENC33ProgressiveCustom$135/mo.$98/mo.
July 22, 2021Ford Fiesta SENC30National GeneralCurrent$218/mo.$114/mo.
March 23, 2021Lexus LS 460NC35DairylandCurrent$266/mo.$124/mo.
March 23, 2021Lexus LS 460NC35DairylandCurrent$266/mo.$124/mo.
The best way to secure the right plan for lower premiums in Durham is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inDurham have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Durham, North Carolina

Insurance Company
Before Jerry
After Jerry
Kemper$2,944$1,364
National General$2,584$1,444
Nationwide$2,506$1,548
State Auto$3,449$1,828
Travelers$2,857$1,944
Safeco$3,349$2,034
Allstate$2,940$2,107
Dairyland$3,739$2,308

Minimum coverage car insurance in Durham

On average, the cost of minimum coverage car insurance in Durham is $1,462 per year, or $122 per month.

The minimum level of car insurance required in Durham is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Durham:
Before Jerry
After Jerry
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
National General$2,601$1,469
Progressive$3,840$2,472
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Full coverage car insurance in Durham

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Durham:
Before Jerry
After Jerry
$1,931$1,574
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
National General$1,080$828
Progressive$2,496$1,677
Travelers$2,100$1,875
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How does your age affect your auto insurance cost in Durham?

If you’re a driver under 25 in Durham, you could be paying as much as $82 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Durham saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$3,739$2,413
21-24$2,948$1,713
On the contrary, here’s how much drivers aged 25 and over in Durham pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,061$1,592
35-44$2,607$1,644
45-54$2,810$1,682

Cheapest car insurance for drivers in Durham with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Durham saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$3,582$2,372
Speeding over 15$3,863$1,015
Speeding under 15$1,462$1,225
Defective Equipment$1,742$1,452
Here’s how much drivers with a bad driving record in [Durham saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,076$1,306
National General$2,475$1,615
Progressive$2,332$1,721
Travelers$2,154$1,832
Safeco$3,120$1,834
State Auto$4,892$2,110
Dairyland$4,189$2,223

Cheapest car insurance for young drivers in Durham with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,582$2,372
Speeding over 15$3,863$1,015
Defective Equipment$3,000$2,472
Here’s how much young drivers with a bad driving record in [Durham saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
National General$2,683$1,568
Nationwide$1,872$1,611
Safeco$3,291$1,728
Progressive$3,054$2,097
State Auto$5,490$2,155
Dairyland$4,503$2,418
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How can you save money on car insurance in Durham

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Durham you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 5, 2021Acura 3.2TlNC18SafecoPredicted$300/mo.$88/mo.
November 20, 2020Chevrolet Camaro LSNC21State AutoCustom$230/mo.$41/mo.
August 25, 2021Toyota RAV4 Hv LENC33ProgressiveStandard$175/mo.$30/mo.
March 23, 2021Lexus LS 460NC35DairylandCurrent$266/mo.$124/mo.
March 23, 2021Lexus LS 460NC35DairylandCurrent$266/mo.$124/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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