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 |
If you have a loan or lease on your vehicle, the lender will require
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 |
| $58 | $693 | National General | 64 | May 18, 2025 | Durham, NC | 27704 |
| $70 | $839 | Progressive | 58 | January 13, 2025 | Durham, NC | 27703 |
| $71 | $849 | National General | 40 | May 17, 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 |
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 |
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 |
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
|
|---|---|---|---|---|---|---|---|
| $58 | $693 | National General | 64 | Yes | May 18, 2025 | Durham, NC | 27704 |
| $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 |
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 |
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 | $71 | $849 | National General | 40 | May 17, 2025 | 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 |
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 |
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 |
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.
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.
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.
