Cheap Car Insurance in Durham, NC (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 28, 2025
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Cheap Car Insurance in Durham, NC (July 2025)

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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
$37 $445 Progressive 25 April 28, 2025 Durham, NC 27701
$39 $467 Geico 32 February 12, 2025 Durham, NC 27707
$42 $500 Safeco 44 March 20, 2025 Durham, NC 27705
$42 $501 Progressive 31 May 22, 2025 Durham, NC 27704
$42 $507 National General 55 March 13, 2025 Durham, NC 27705
$42 $509 National General 61 February 18, 2025 Durham, NC 27703
$45 $534 Safeco 46 June 28, 2025 Durham, NC 27713
$45 $539 Liberty Mutual 30 May 5, 2025 Durham, NC 27713
$45 $545 Safeco 20 May 8, 2025 Durham, NC 27707
$46 $547 National General 51 April 2, 2025 Durham, NC 27707
Last Updated Jul 24, 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.

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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
$48 $575 Progressive 46 June 27, 2025 Durham, NC 27701
$52 $619 Progressive 46 April 30, 2025 Durham, NC 27703
$54 $642 Progressive 37 June 13, 2025 Durham, NC 27713
$57 $683 Progressive 40 June 17, 2025 Durham, NC 27701
$57 $683 National General 46 June 27, 2025 Durham, NC 27703
$62 $742 National General 55 March 13, 2025 Durham, NC 27705
$62 $749 Progressive 45 June 25, 2025 Durham, NC 27705
$62 $749 National General 54 March 8, 2025 Durham, NC 27713
$65 $779 Progressive 46 June 26, 2025 Durham, NC 27713
$65 $779 Progressive 32 February 2, 2025 Durham, NC 27707
Last Updated Jul 24, 2025

Estimate car insurance costs

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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
$45 $545 Safeco 20 No May 8, 2025 Durham, NC 27707
$47 $558 Safeco 23 No March 7, 2025 Durham, NC 27712
$48 $572 Safeco 27 No March 8, 2025 Durham, NC 27707
$48 $572 Safeco 23 No May 12, 2025 Durham, NC 27705
$48 $575 Progressive 25 No March 8, 2025 Durham, NC 27705
Last Updated Jul 24, 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
$39 $467 Geico 32 No February 12, 2025 Durham, NC 27707
$40 $483 Progressive 38 No June 15, 2025 Durham, NC 27701
$42 $500 Safeco 44 No March 20, 2025 Durham, NC 27705
$42 $501 Progressive 31 No May 22, 2025 Durham, NC 27704
$46 $547 National General 51 No April 2, 2025 Durham, NC 27707
Last Updated Jul 24, 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
$42 $507 National General 55 No March 13, 2025 Durham, NC 27705
$64 $764 Dairyland 66 No April 3, 2025 Durham, NC 27703
$66 $793 Dairyland 66 No March 28, 2025 Durham, NC 27704
$69 $825 Progressive 62 Yes April 15, 2025 Durham, NC 27703
$74 $886 Liberty Mutual 71 Yes April 9, 2025 Durham, NC 22703
Last Updated Jul 24, 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
$39 $467 Geico 32 No February 12, 2025 Durham, NC 27707
$40 $483 Progressive 38 No June 15, 2025 Durham, NC 27701
$42 $500 Safeco 44 No March 20, 2025 Durham, NC 27705
$42 $501 Progressive 31 No May 22, 2025 Durham, NC 27704
$42 $507 National General 55 No March 13, 2025 Durham, NC 27705
$45 $545 Safeco 20 No May 8, 2025 Durham, NC 27707
$46 $547 National General 51 No April 2, 2025 Durham, NC 27707
$47 $558 Safeco 23 No March 7, 2025 Durham, NC 27712
$48 $572 Safeco 33 No February 4, 2025 Durham, NC 27713
$48 $572 Safeco 27 No March 8, 2025 Durham, NC 27707
Last Updated Jul 24, 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 $54 $644 Dairyland 26 May 9, 2025 Durham, NC 27707
<550 $55 $666 National General 29 July 21, 2025 Durham, NC 27707
<550 $56 $673 Progressive 41 March 15, 2024 Durham, NC 27703
<550 $64 $764 Dairyland 29 June 1, 2025 Durham, NC 27703
<550 $66 $797 Dairyland 40 May 17, 2025 Durham, NC 27703
Last Updated Jul 24, 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 No Injury $45 $542 Progressive 43 No May 12, 2024 Durham, NC 27707
At Fault With Injury $45 $546 Safeco 31 No February 26, 2025 Durham, NC 27705
At Fault With Injury $48 $579 Dairyland 27 No March 9, 2024 Durham, NC 27705
At Fault With No Injury $52 $621 National General 28 No October 3, 2024 Durham, NC 27703
At Fault With Injury $55 $666 National General 29 No July 21, 2025 Durham, NC 27707
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
Speeding under 15 $54 $644 Dairyland 26 May 9, 2025 Durham, NC 27707
Speeding over 15 $58 $693 National General 46 May 31, 2025 Durham, NC 27701
Speeding under 15 $74 $891 Progressive 34 May 15, 2025 Durham, NC 27713
Speeding under 15 $89 $1,069 National General 35 November 23, 2024 Durham, NC 27704
Speeding over 15 $99 $1,184 National General 38 June 7, 2025 Durham, NC 27713
Last Updated Jul 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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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 $85 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.