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.
Latest Car Insurance Rates in Durham, NC
The average cost of car insurance in Durham, NC, is $1,014. When shopping for car insurance in Durham, NC, auto owners must consider more factors other than just the price offered by the provider. Car owners should also look at the company's reputation for settling claims, customer service, discounts, and policy benefits. The price of car insurance can vary by hundreds of dollars and depends on things like credit history, driving record, and where you live. Therefore, car owners must consider these factors before purchasing car insurance in Durham, NC.
Car insurance companies in Durham, NC
All drivers must acquire car insurance in Durham when on roads. But how much you pay for coverage is highly dependent on the insurance provider opted by the car owner. The rates may vary from one company to another.
Zimlon, through its research, has gathered quotes from the five most prominent car insurance companies in Durham, NC. Refer to the chart mentioned below.
Car insurance rates in Durham by the age of the driver
As a Durham driver, the cost of your car insurance rate is determined by several factors. One of the most important factors is age. Durham's teenage drivers pay the highest car insurance rates in the city. One of the best ways to lower your car insurance rates is to age out of your teen years.
For instance, teenagers in Durham, NC, pay $3,290, whereas car drivers who have hit their 20s pay $1,303. Therefore, the cost differential between the auto insurance rates between teenagers and 20s drivers is $1,987.
Refer to the chart below to understand the applicable car insurance rates based on the driver's age in Durham, NC.
Car insurance rates in Durham by violations history
Car insurance companies determine your profile by considering your driving history. Insurance providers charge high auto insurance premiums to car owners with multiple violations to mitigate the risk. Staying out of trouble is the simplest, most effective way to keep your auto insurance costs low. In Durham, a reckless driving violation, for example, driving without headlights, may trigger an increase of $45 for car insurance.
Few such violations may include:
a. Driver's failure in showing documents can increase the cost by $98
b. Driving with an expired registration can increase the cost by $104
c. Using a cellphone while driving can increase the cost by $232
d. Running a red light can increase the cost by $236
Therefore, car owners must pay utmost attention while driving on the roads. The driving violations can remain on the record for a considerable amount of time, leading to increased auto insurance rates in Durham, NC.
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 Rates
- Durham, NC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Durham, NC
- Multi Vehicle Insurance Savings in Durham, NC
- How Credit Score Affects Car Insurance Rates in Durham, NC
- How DUI Affects Auto Insurance Premiums in Durham, NC
- Top Auto Insurance Agents Near Durham, NC
- How Driving Violations Affect Auto Insurance Rates in Durham, NC
- Durham, NC Auto Insurance Discounts on Anti Theft Feature
- Durham, NC Auto Insurance Company Reviews
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 FarmI 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 FarmExcellent service across the board and it is great that customer service has late hours.
AllstateI don't know how my premium and deductible compares, because I have been with Allstate since I was sixteen.
TravelersI 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.
ProgressiveI would absolutely recommend them. They base your monthly payments off of your driving. So the better you drive, the more you save!
ProgressiveI would definitly reccomend progressive to anyone looking for insurance because they have great services and their prices are heard to beat!
NationwideMy 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.
NationwideMy 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.
ProgressiveI am very satisfied with this company because it offers me a service that fits my needs and search criteria
ProgressiveI 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 MannI'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 MutualI 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 InsuranceI 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.
ProgressiveThey are usually more modern than most other providers and have a lot of variety in their policy offerings.
State FarmOverall 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.