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Get Cheap Car Insurance in Durham, CA
We monitor insurance prices, helping the average driver in Durham save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Durham
The chart below shows the cheapest car insurance company in 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 Metromile, followed by Geico, Progressive, and Travelers.
| Durham Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| Geico | $53 |
| Progressive | $57 |
| Travelers | $58 |
Savings for Every Kind of Durham Driver
Based on our extensive insurance data, we know the average Durham driver will save about 32% 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, marital status, and age. The average driver will find themselves saving $596 per year by choosing the right vehicle insurance company. Some Durham residents are paying out over $1,863 extra every year for auto insurance in Durham. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Durham, CA Savings / Yr. |
|---|---|
$596 |
|
$1,091 |
|
$863 |
|
$1,516 |
|
$778 |
|
$338 |
|
$0 |
Durham Car Insurance vs. California
People living in Durham pay an average of 7.23% less than the typical driver in the state. The average driver in Durham can expect to pay about $872 per year, or $1,863 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Durham for most people.
Car Insurance Prices by Durham Neighborhood
Insurance Prices
Where is insurance cheapest within Durham?
The map shows insurance prices in and around Durham, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $113 per year within the city boundaries, with insurance premiums ranging from a high of $1,939 to a low of $1,826. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northeast parts of Durham.Pick the Best Car Insurance Company for You in Durham
The best car insurance provider for most drivers in Durham
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $596 over the average Durham car insurance company.
The best car insurance provider for Durham drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,091 over the competition.
The best car insurance company for Durham drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $863 better than other car insurance companies.
The best auto insurance for Durham drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,516 less each year.
The least expensive car insurance company for new and young drivers in Durham
In Durham, State Farm costs young drivers $778 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Durham
Progressive gave the largest car insurance discounts to married couples, averaging $338 saved each year compared to an average Durham couple's premiums.
The cheapest car insurance in Durham for drivers with bad credit
The best Durham car insurance company for customer service
Recent price drops
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The cheapest large national provider in Durham
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Durham driver can expect to pay about $129 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 Durham, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Durham
What Influences the Cost of Car Insurance in Durham?
On average, car insurance in Durham is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Durham is 38 minutes, which is about the national average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Durham are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Durham has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Durham is $73 per month for minimum coverage and $155 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 Cities
- Nelson: Insurance costs 2.52% more
- Chico: Insurance costs 1.99% more
- Butte Valley: Insurance costs 3.70% less
- Ordbend: Insurance costs 2.68% less
- Pentz: Insurance costs 1.66% less
- Rotavele: Insurance costs 1.61% less
- Richardson Springs: Insurance costs 0.59% less
- Paradise: Insurance costs 1.29% more
- Richvale: Insurance costs 0.97% less
- Hamilton City: Insurance costs 0.21% more
Cities with Similar Populations
- Kerhonkson: Insurance costs 25.93% more
- Newport: Insurance costs 35.21% less
- Newfield: Insurance costs 10.57% more
- Jonesville: Insurance costs 45.09% more
- Auburn: Insurance costs 8.05% more
- Belden: Insurance costs 11.33% less
- New Lisbon: Insurance costs 38.54% less
- Anza: Insurance costs 2.47% more
- Morrisville: Insurance costs 36.07% less
- Lexington: Insurance costs 41.28% less