Cheap Car Insurance in Durham, NC

Written by Xuyun Zeng and 2 others
Updated Mar 25, 2025
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Cheap Car Insurance in Durham, NC

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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.

Cheapest minimum coverage insurance in Durham

North Carolina requires drivers to carry the following minimum coverages:

  • $30,000 in bodily injury liability per person.
  • $60,000 in bodily injury liability per accident.
  • $25,000 in property damage liability.
  • $30,000 in uninsured motorist per person.
  • $60,000 in uninsured motorist per accident.
  • $25,000 in uninsured motorist property damage coverage, or UMPD.

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

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$37 $443 Progressive 36 February 20, 2025 Durham, NC 27704
$42 $509 Progressive 30 November 25, 2024 Durham, NC 27712
$43 $512 National General 32 November 16, 2024 Durham, NC 27705
$45 $542 Progressive 25 August 20, 2024 Durham, NC 27707
$45 $542 Progressive 43 May 12, 2024 Durham, NC 27707
$46 $547 National General 31 April 28, 2025 Durham, NC 27713
$46 $548 National General 23 May 6, 2024 Durham, NC 27707
$48 $575 Progressive 25 March 3, 2025 Durham, NC 27713
$48 $579 Dairyland 33 January 20, 2024 Durham, NC 27705
$48 $579 Dairyland 23 January 21, 2024 Durham, NC 27713
Last Updated May 9, 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.

Find affordable car insurance in minutes.

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 Policy
City, State
ZIP Code
$43 $512 National General 32 November 16, 2024 Durham, NC 27705
$46 $555 Progressive 32 November 26, 2024 Durham, NC 27703
$57 $680 Progressive 30 June 13, 2024 Durham, NC 27703
$57 $681 Progressive 30 August 7, 2024 Durham, NC 27703
$70 $839 Progressive 58 January 13, 2025 Durham, NC 27703
$77 $924 Progressive 24 June 22, 2024 Durham, NC 27704
$92 $1,107 National General 25 February 22, 2025 Durham, NC 27707
$105 $1,262 Dairyland 33 March 26, 2025 Durham, NC 27705
$110 $1,319 Progressive 28 February 9, 2024 Durham, NC 27713
$111 $1,338 Dairyland 37 May 21, 2024 Durham, NC 27712
Last Updated May 9, 2025

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 Policy
City, State
ZIP Code
$45 $542 Progressive 25 No August 20, 2024 Durham, NC 27707
$46 $548 National General 23 No May 6, 2024 Durham, NC 27707
$48 $575 Progressive 25 No March 3, 2025 Durham, NC 27713
$48 $579 Dairyland 27 No March 9, 2024 Durham, NC 27705
$48 $579 Dairyland 23 No January 21, 2024 Durham, NC 27713
Last Updated May 9, 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 Policy
City, State
ZIP Code
$37 $443 Progressive 36 No February 20, 2025 Durham, NC 27704
$42 $509 Progressive 30 No November 25, 2024 Durham, NC 27712
$43 $512 National General 32 Yes November 16, 2024 Durham, NC 27705
$45 $542 Progressive 43 No May 12, 2024 Durham, NC 27707
$46 $547 National General 31 No April 28, 2025 Durham, NC 27713
Last Updated May 9, 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 Policy
City, State
ZIP Code
$65 $774 Dairyland 71 No December 2, 2023 Durham, NC 27703
$70 $839 Progressive 58 Yes January 13, 2025 Durham, NC 27703
$186 $2,227 Dairyland 68 Yes August 24, 2024 Durham, NC 27703
$188 $2,253 Dairyland 67 Yes December 14, 2023 Durham, NC 27703
$190 $2,274 Progressive 57 Yes March 1, 2025 Durham, NC 27703
Last Updated May 9, 2025

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 Policy
City, State
ZIP Code
$37 $443 Progressive 36 No February 20, 2025 Durham, NC 27704
$42 $509 Progressive 30 No November 25, 2024 Durham, NC 27712
$45 $542 Progressive 25 No August 20, 2024 Durham, NC 27707
$46 $548 National General 23 No May 6, 2024 Durham, NC 27707
$46 $555 Progressive 32 Yes November 26, 2024 Durham, NC 27703
$48 $575 Progressive 25 No March 3, 2025 Durham, NC 27713
$48 $579 Dairyland 33 No January 20, 2024 Durham, NC 27705
$48 $579 Dairyland 23 No January 21, 2024 Durham, NC 27713
$54 $649 Progressive 22 No August 5, 2024 Durham, NC 27701
$57 $680 Progressive 24 No May 7, 2024 Durham, NC 27703
Last Updated May 9, 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 $56 $673 Progressive 41 March 15, 2024 Durham, NC 27703
<550 $115 $1,375 Safeco 42 March 7, 2025 Durham, NC 27713
<550 $116 $1,396 Progressive 30 May 7, 2025 Durham, NC 27705
<550 $117 $1,408 Dairyland 23 March 15, 2024 Durham, NC 27707
<550 $144 $1,728 National General 27 July 2, 2024 Durham, NC 27713
Last Updated May 9, 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 $48 $579 Dairyland 27 No March 9, 2024 Durham, NC 27705
At Fault With No Injury $50 $605 Dairyland 37 No December 29, 2023 Durham, NC 27713
At Fault With Injury $77 $924 Progressive 24 Yes June 22, 2024 Durham, NC 27704
At Fault With Injury $111 $1,338 Dairyland 37 Yes May 21, 2024 Durham, NC 27712
Last Updated May 9, 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 over 15 $117 $1,408 Dairyland 23 March 15, 2024 Durham, NC 27707
Speeding over 15 $135 $1,620 National General 30 May 3, 2025 Durham, NC 27713
Speeding under 15 $144 $1,724 Progressive 26 July 18, 2024 Durham, NC 27713
Speeding over 15 $148 $1,775 Progressive 27 December 18, 2024 Durham, NC 27713
Speeding over 15 $153 $1,833 National General 33 March 3, 2025 Durham, NC 27703
Last Updated May 9, 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 and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds 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.