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Get Cheap Car Insurance in Downtown Durham, Durham, NC
We monitor insurance prices, helping the average driver in Downtown Durham save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Downtown Durham
The chart below shows the cheapest car insurance company in Downtown Durham for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.
| Downtown Durham Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $54 |
| Erie Insurance | $54 |
| Farm Bureau | $57 |
| Progressive | $61 |
Savings for Every Kind of Downtown Durham Driver
Based on our extensive insurance data, we know the average Downtown Durham driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $271 per year by choosing the right vehicle insurance company. Some Downtown Durham residents are paying out over $1,410 extra every year for auto insurance in Downtown Durham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Durham, Durham, NC Savings / Yr. |
|---|---|
$271 |
|
$589 |
|
$429 |
|
$1,094 |
|
$812 |
|
$327 |
|
$491 |
Downtown Durham Car Insurance vs. Durham
People living in Downtown Durham pay an average of 12.77% more than the typical driver in the state. The average driver in Downtown Durham can expect to pay about $845 per year, or $1,410 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Downtown Durham for most people.
Car Insurance Prices by Downtown Durham Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Durham?
The map shows insurance prices in and around Downtown Durham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $283 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,582 to a low of $1,299. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Downtown Durham.Pick the Best Car Insurance Company for You in Downtown Durham
The best car insurance provider for most drivers in Downtown Durham
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $271 over the average Downtown Durham car insurance company.
The best car insurance provider for Downtown Durham drivers with accidents on their records
In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $589 over the competition.
The best car insurance company for Downtown Durham drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $429 better than other car insurance companies.
The best auto insurance for Downtown Durham drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $1,094 less each year.
The least expensive car insurance company for new and young drivers in Downtown Durham
In Downtown Durham, State Farm costs young drivers $812 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Durham
Erie Insurance gave the largest car insurance discounts to married couples, averaging $327 saved each year compared to an average Downtown Durham couple's premiums.
The cheapest car insurance in Downtown Durham for drivers with bad credit
The best Downtown Durham car insurance company for customer service
Nationwide was the best company for customer service in Downtown Durham according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Durham
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Downtown Durham driver can expect to pay about $87 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Durham, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Downtown Durham
What Influences the Cost of Car Insurance in Downtown Durham?
On average, car insurance in Downtown Durham is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown Durham is 28 minutes, which is about the national average for a driver in the city.
- North Carolina state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Durham are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Downtown Durham is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Durham is $70 per month for minimum coverage and $117 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- East Durham: Insurance costs 8.58% more
- Trinity Park: Insurance costs 6.38% less
- Old West Durham: Insurance costs 8.44% less
- Northeast Durham: Insurance costs 4.47% less
- North Garrett Road: Insurance costs 13.97% less
- University of NC at Chapel Hill: Insurance costs 13.40% less
- Downtown Chapel Hill: Insurance costs 14.26% less
- Northwest Raleigh: Insurance costs 9.15% less
- North: Insurance costs 7.80% less
- Glenwood: Insurance costs 12.34% less
Neighborhoods with Similar Populations
- Amphi: Insurance costs 32.91% more
- Annex: Insurance costs 72.70% more
- West Memorial: Insurance costs 31.77% more
- Berkeley Place: Insurance costs 5.39% more
- Pueblo: Insurance costs 27.23% more
- Latah Valley: Insurance costs 4.82% less
- Plaza-Eastway: Insurance costs 8.09% more
- Northwest: Insurance costs 19.29% less
- Northside: Insurance costs 10.78% less
- North Waltham: Insurance costs 14.40% more