Cheap Car Insurance in Durham, NC (October 2025)

Written by Xuyun Zeng and 2 others
Updated Oct 14, 2025
Insurance price card

Cheap Car Insurance in Durham, NC (October 2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Driving in Durham means navigating a mix of city streets, busy highways like Interstate 85 and the Durham Freeway, and ongoing construction. Sudden storms and seasonal hurricanes can create hazardous conditions. Reliable car insurance helps ensure you’re ready for whatever the road brings in the Bull City.

We’ve pulled together quote data from real Jerry customers so you can explore how your age, driving history and desired coverage affects your rate.

More: Best car insurance in North Carolina

Cheapest minimum coverage insurance in Durham

North Carolina requires drivers to carry the following minimum coverages:

  • $50,000 in bodily injury liability per person.
  • $100,000 in bodily injury liability per accident.
  • $50,000 in property damage liability.
  • $50,000 in uninsured and underinsured motorist bodily injury coverage per person.
  • $100,000 in uninsured and underinsured motorist bodily injury coverage per accident.
  • $50,000 in uninsured motorist property damage coverage per person.

These are the cheapest car insurance quotes that drivers in Durham have received for minimum coverage via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$27 $327 Progressive 46 06/27/25 Durham, NC 27703
$29 $351 National General 60 06/26/25 Durham, NC 27713
$30 $357 Progressive 46 06/28/25 Durham, NC 27713
$42 $501 Progressive 31 05/22/25 Durham, NC 27704
$44 $529 National General 37 06/04/25 Durham, NC 27707
$45 $539 Liberty Mutual 36 05/03/25 Durham, NC 27707
$45 $539 Liberty Mutual 50 05/14/25 Durham, NC 27705
$46 $558 National General 38 06/14/25 Durham, NC 27701
$47 $562 National General 40 06/11/25 Durham, NC 27705
$48 $572 National General 31 05/12/25 Durham, NC 27707
Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Jerry finds quotes from 50 insurance partners fast.

More: Cheapest car insurance in North Carolina

Cheapest full coverage insurance in Durham

According to a study published on the Durham County website, Durham is experiencing an increase in rainfall, hail and snow and this trend is predicted to continue in the next 30 to 80 years.

The state’s minimum required coverage does not help you repair your car if it’s damaged by weather events or if you’re in an accident, regardless of who is at fault. Full coverage can help you repair your vehicle if it’s damaged in such scenarios.

Here are the cheapest quotes for full coverage that drivers in Durham received through Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$46 $553 Progressive 46 06/27/25 Durham, NC 27703
$50 $596 Progressive 69 09/15/25 Durham, NC 27712
$55 $666 National General 45 06/25/25 Durham, NC 27704
$60 $726 Progressive 41 06/19/25 Durham, NC 27713
$63 $759 Geico 45 09/20/25 Durham, NC 27704
$64 $769 National General 46 06/26/25 Durham, NC 27713
$65 $781 National General 46 06/27/25 Durham, NC 27701
$67 $799 Progressive 41 06/03/25 Durham, NC 27703
$69 $823 Progressive 60 06/20/25 Durham, NC 27701
$72 $868 National General 22 07/21/25 Durham, NC 27713
Last Updated Oct. 15, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in Durham (18-29 years old)

Insurers typically charge young motorists high rates because they view their limited driving experience as a risk, but since insurers view this risk differently, it’s wise to compare policies from multiple providers. Below, you’ll find the most affordable car insurance quotes for Durham drivers between 18 and 29, based on Jerry’s data.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$50 $600 Progressive 26 No 05/09/25 Durham, NC 27713
$55 $657 National General 26 No 06/28/25 Durham, NC 27701
$55 $666 National General 28 No 08/05/25 Durham, NC 27703
$59 $706 Dairyland 26 No 08/07/25 Durham, NC 27713
$60 $714 Progressive 20 No 10/08/25 Durham, NC 27707
$64 $769 National General 46 06/26/25 Durham, NC 27713
$65 $781 National General 46 06/27/25 Durham, NC 27701
$67 $799 Progressive 41 06/03/25 Durham, NC 27703
$69 $823 Progressive 60 06/20/25 Durham, NC 27701
$72 $868 National General 22 07/21/25 Durham, NC 27713
Last Updated Oct. 15, 2025

Cheapest car insurance for mature drivers in Durham (30-54 years old)

Drivers between 30 and 54 years old often receive more affordable premiums than younger motorists. To keep costs low, it helps to regularly compare offers from different providers. Below are the cheapest quotes Durham’s drivers between 30 and 54 received through Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$45 $539 Liberty Mutual 36 No 05/03/25 Durham, NC 27707
$46 $553 Progressive 46 Yes 06/27/25 Durham, NC 27703
$46 $558 National General 38 No 06/14/25 Durham, NC 27701
$50 $600 Progressive 42 No 05/16/25 Durham, NC 27713
$53 $635 Progressive 45 No 06/25/25 Durham, NC 27703
$64 $769 National General 46 06/26/25 Durham, NC 27713
$65 $781 National General 46 06/27/25 Durham, NC 27701
$67 $799 Progressive 41 06/03/25 Durham, NC 27703
$69 $823 Progressive 60 06/20/25 Durham, NC 27701
$72 $868 National General 22 07/21/25 Durham, NC 27713
Last Updated Oct. 15, 2025

Cheapest car insurance for older drivers in Durham (55+ years old)

Drivers who are 55 and older can expect insurance costs to continuously fall until they reach their 70s, when rates may begin to rise again. Here are the cheapest quotes for older Durham drivers, based on Jerry data.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$50 $596 Progressive 69 Yes 09/15/25 Durham, NC 27712
$55 $666 National General 55 No 09/19/25 Durham, NC 27707
$61 $734 Geico 69 No 07/01/25 Durham, NC 27704
$69 $823 Progressive 60 Yes 06/20/25 Durham, NC 27701
$80 $965 National General 56 Yes 08/07/25 Durham, NC 27703
$64 $769 National General 46 06/26/25 Durham, NC 27713
$65 $781 National General 46 06/27/25 Durham, NC 27701
$67 $799 Progressive 41 06/03/25 Durham, NC 27703
$69 $823 Progressive 60 06/20/25 Durham, NC 27701
$72 $868 National General 22 07/21/25 Durham, NC 27713
Last Updated Oct. 15, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in Durham

Maintaining a violation- and claims-free history generally earns you the cheapest insurance premiums. Check out the cheapest quotes that drivers with clean records in Durham have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$45 $539 Liberty Mutual 36 No 05/03/25 Durham, NC 27707
$46 $553 Progressive 46 Yes 06/27/25 Durham, NC 27703
$46 $558 National General 38 No 06/14/25 Durham, NC 27701
$50 $596 Progressive 69 Yes 09/15/25 Durham, NC 27712
$50 $600 Progressive 42 No 05/16/25 Durham, NC 27713
$50 $600 Progressive 26 No 05/09/25 Durham, NC 27713
$53 $635 Progressive 45 No 06/25/25 Durham, NC 27703
$53 $639 Progressive 37 No 06/13/25 Durham, NC 27703
$55 $657 Progressive 37 No 06/14/25 Durham, NC 27701
$55 $657 National General 26 No 06/28/25 Durham, NC 27701
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Durham

Since North Carolina allows insurance providers to factor credit scores into premium costs, a credit score below 550 may lead to a higher premium. If you have a low score, compare quotes from multiple insurers to find affordable coverage. Below are the cheapest quotes Durham drivers with credit scores below 550 received through Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $50 $600 Progressive 30 05/07/25 Durham, NC 27705
<550 $54 $644 Dairyland 26 05/09/25 Durham, NC 27707
<550 $55 $666 National General 29 07/21/25 Durham, NC 27707
<550 $92 $1,103 Progressive 58 09/08/25 Durham, NC 27701
<550 $115 $1,377 National General 40 05/17/25 Durham, NC 27703
$50 $600 Progressive 26 Durham, NC 27713
$53 $635 Progressive 45 Durham, NC 27703
$53 $639 Progressive 37 Durham, NC 27703
$55 $657 Progressive 37 Durham, NC 27701
$55 $657 National General 26 Durham, NC 27701
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Durham

An at-fault accident usually raises your car insurance premium. If you’ve recently been found at-fault in an accident, it’s wise to shop for coverage to find the cheapest rate. Here are the cheapest quotes for Durham drivers who have been in an at-fault collision, based on Jerry data.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With Injury $40 $479 Progressive 29 No 09/03/25 Durham, NC 27704
At Fault With No Injury $45 $542 Progressive 43 No 05/12/24 Durham, NC 27707
At Fault With Injury $45 $546 Safeco 41 No 05/26/25 Durham, NC 27707
At Fault With Injury $45 $546 Safeco 31 No 02/26/25 Durham, NC 27705
At Fault With No Injury $48 $572 National General 33 No 06/14/25 Durham, NC 27705
$50 $600 Progressive 26 No Durham, NC 27713
$53 $635 Progressive 45 No Durham, NC 27703
$53 $639 Progressive 37 No Durham, NC 27703
$55 $657 Progressive 37 No Durham, NC 27701
$55 $657 National General 26 No Durham, NC 27701
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with speeding tickets in Durham

After receiving a speeding ticket, your insurance premium is likely to increase, but the amount your coverage costs rise may depend on your insurer. Here are the cheapest quotes Durham drivers with speeding tickets have received via Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding over 15 $48 $575 Progressive 38 06/07/25 Durham, NC 27713
Speeding over 15 $69 $832 National General 40 10/11/25 Durham, NC 27703
Speeding under 15 $73 $871 Dairyland 26 08/18/25 Durham, NC 27703
Speeding under 15 $85 $1,024 Progressive 24 08/13/25 Durham, NC 27705
Speeding under 15 $90 $1,083 Progressive 34 05/15/25 Durham, NC 27713
$50 $600 Progressive 26 05/09/25 Durham, NC 27713
$53 $635 Progressive 45 06/25/25 Durham, NC 27703
$53 $639 Progressive 37 06/13/25 Durham, NC 27703
$55 $657 Progressive 37 06/14/25 Durham, NC 27701
$55 $657 National General 26 06/28/25 Durham, NC 27701
Last Updated Oct. 15, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Expert-driven. Built for you.
Our experts
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
You're minutes away from insurance savings.