Durham Auto Insurance Rates, Quotes, Agents & Reviews in NC

Durham, NC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Durham, NC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Durham, NC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Durham, NC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Durham, NC with that of other cities in and around Durham.

Durham Lebanon Durham County Chapel Hill Gorman Triangle
Average Insurance Rates $1,014 $1,014 $945 $950 $1,043 $1,336

Durham, NC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Durham, NC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Durham $1,505 $1,271
Durham County $1,600 $1,351
Triangle $1,482 $1,252
Oak Grove $1,525 $1,288
Gorman $1,468 $1,240
Carr $1,165 $984
Lebanon $1,380 $1,166
Chapel Hill $1,465 $1,237

Durham, NC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Durham, NC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,290
20 Years $1,303
30 Years $1,004
40 Years $966
50 Years $894
60 Years $907
70 Years $1,055

Durham, NC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Durham, NC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,785 $243
3 Vehicles $2,677 $365
4 Vehicles $3,569 $487

Savings on 2 Vehicles bundle:$243

Savings on 3 Vehicles bundle:$365

Savings on 4 Vehicles bundle:$487


Durham, NC Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Durham, NC.

Location Average Insurance Cost Post DUI Insurance Rate
Durham $1,014 $4,159
Durham County $945 $3,876
Triangle $1,336 $5,479
Oak Grove $989 $4,056
Gorman $1,043 $4,278
Carr $1,027 $4,212
Lebanon $1,014 $4,159
Chapel Hill $950 $3,896

Durham, NC Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $870
Excellent (740-799) $993
Good (670-739) $1,057
Average (580-669) $1,378
Poor (300-579) $1,654

Durham, NC Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Knox Insurance Agency Llc Erie 200 Meredith Drive Suite 104, Durham, 27713 None
Chris Vecchio State Farm 10970 Chapel Hill Rd Ste 106, Morrisville, 27560-6238 919-973-1515
Cody Holliday Allstate 4324 S Alston Ave Ste 106, Durham, 27713 (919) 249-7291
Gregory Ealy Allstate 5611 Highway 55 Ste 202, Durham, 27713 (919) 237-1412
Allan Gray State Farm 1208 Raleigh Rd, Chapel Hill, 27517-4417 919-968-0470
Benny Dean Ins Agcy None 12201 Leesville Rd , Raleigh, 27613 None
Ken Carver State Farm 2905 Guess Road, Durham, 27705-2677 919-471-0055
Mc Clintock & Associates Travelers 5850 Fayetteville Road Suite 203, Durham, 27713 None
Ava Brownlee Allstate 4810 Hope Valley Rd Ste 114, Durham, 27707 (919) 493-7822
Embree Insurance Agency Erie 3401 University Drive, Durham, 27707 None
Scott Bono State Farm 1429 Broad St, Durham, 27705-3534 919-286-9120

Durham, NC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$45 $1,059
Driver's Failure In Showing Documents +$98 $1,112
Driving With An Expired Registration +$104 $1,118
Driving At A Considerably Slow Pace +$220 $1,234
Using A Cellphone While Driving +$232 $1,246
Running A Red Light +$236 $1,250
Speeding +$248 $1,262
Driving A Vehicle Without The Required Permission +$315 $1,329
Driving With An Expired/Suspended License +$683 $1,697

Durham, NC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $973
Active Disabling Device $973
Tracking Device $953
Passive Disabling Device $943

Latest Auto Insurance Reviews in Durham, NC | Back to Top

State Farm
I was in a recent car accident and State Farm made the process of filing claims so easy and lbecause of their kindness the process much easier to go through, especially with insurance
State Farm
Excellent service across the board and it is great that customer service has late hours.
Allstate
I don't know how my premium and deductible compares, because I have been with Allstate since I was sixteen.
Travelers
I would recommend them so far. Again, we have not made any claims, as that is usually the "make or break" experience in having an insurance provider, but overall I have been very satisfied with Travelers.
Progressive
I would absolutely recommend them. They base your monthly payments off of your driving. So the better you drive, the more you save!
Progressive
I would definitly reccomend progressive to anyone looking for insurance because they have great services and their prices are heard to beat!
Nationwide
My insurance agency is always on top of anything I need. They work with me to figure out incidents and costs, and help me when I have questions about my policy, drivers, and coverage. The customer service is excellent and they always speak to me by my first name when I go into the local agency. I feel welcome and as if I am among friends when I go into the building.
Nationwide
My insurance agency is always on top of anything I need. They work with me to figure out incidents and costs, and help me when I have questions about my policy, drivers, and coverage. The customer service is excellent and they always speak to me by my first name when I go into the local agency. I feel welcome and as if I am among friends when I go into the building.
Progressive
I am very satisfied with this company because it offers me a service that fits my needs and search criteria
Progressive
I do not like how my premium keeps rising every 6 months despite my perfect driving record. This happened with my previous insurance company too until it got too high for me which is what caused me to switch to Progressive in the first place. Hopefully I don't have to switch again too soon.
Horace Mann
I've had a couple of fender benders in parking lots where another car bumped into me. The company covered me with no issues. I had hale damage to a new truck, and they again covered that with no hassle. My home is with them now as well, and we've had them cover some hail damage to our home with no hassle.
Liberty Mutual
I am very satisfied with this insurance have had it for over 30 years have made several claims in these years,and have never been penalized or had my rates raised. This company also offers many benefits, such as discounts on some new cars, hotels,and restaurants,also on some medical testing.
Safeco Insurance
I am very pleased with my insurance company. They have served me well in the experiences I've had with them. I have had minor claims and they have been great.
Progressive
They are usually more modern than most other providers and have a lot of variety in their policy offerings.
State Farm
Overall I like the options for policies and for discounts. Our agent is friendly and close by, easily accessible if we need to talk to her. The company's app makes it easy to file claims.