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Finding great Durham car insurance deals is important especially when you’re on a budget. One of the first steps to locating affordable car insurance in Durham is through comparison shopping. You can compare and research multiple offers from a variety of reputable insurance companies right here on our site.

Durham auto insurance is a necessity not only by state law but also to fully protect yourself in an accident. Enter your zip code in the form above, and you’ll instantly receive rates and coverage information for the auto insurance you need.

Car Insurance Agents in Durham

For auto insurance in Durham, many drivers find it essential to contact a local agent for assistance in determining the best coverage and policy features. Area agents share valuable information and expertise that can make the difference in locating the right policy for your needs. The following links provide details about local insurance agents representing highly rated auto insurance carriers in the Durham, North Carolina area.

Durham Allstate Insurance Agents

Twenty-three Allstate Insurance agents offer car insurance in Durham and the surrounding cities of Raleigh, Morrisville, Carrboro, Chapel Hill and Cary.

Durham Farmers Insurance Agents

Farmers Insurance does not directly servethe car insurance needs of North Carolina residents rather their sister company, 21st Century Insurance, offers auto insurance quotes and coverage on the company website or by phone.

Durham Geico Insurance Agents

There is one local Geico Insurance agent providing Durham auto insurance coverage. Motorists may also purchase Geico auto insurance online or by phone.

Durham State Farm Insurance Agents

A team of 50 State Farm agents provide car insurance in Durham and the neighboring cities of Research Triangle Park, Morrisville, Chapel Hill, Raleigh, Hillsborough, Carrboro, Creedmoor and Cary. Almost half of the agents speak Spanish for those in the community who need assistance in that language.

If your company does not appear in our resource listing, please notify us with our contact form. At this time, individual agent listings are only offered in our paid feature section.

Durham Car Insurance Rates

Durham car insurance rates are significantly lower than rates nationwide according to studies by CarInsurance.com. The average annual premium for auto insurance in Durham is $1,306 meaning that the city’s rates are 37 percent lower than the national average rates of $2,060.

Driving in Durham

Durham, North Carolina is home to a population of 229,000 according to the 2010 U.S. Census and serves as the seat for Durham County. Part of the city are also located in the counties of Wake and Orange. Home to Duke University and extensive research facilities throughout the area, the city is also part of the larger metro area known as Raleigh, Durham and Cary, which has an overall population of 1.7 million people. Driving by car is the most widely used form of transportation with over 95 percent of workers commuting by car and 14 percent using carpools. The city is home to several major thoroughfares including Interstate 85, which connects the city to Virginia and other North Carolina cities in the west, and Interstate 40, which serves as the main commercial highway between Chapel Hill and Research Triangle Park. The City of Durham has also developed a routing and trail system for bicycles so that residents can navigate their way through the city with relative ease.

The Allstate’s 2011 Best Drivers Report evaluates cities based on collision frequency to determine the ones that have the safest drivers. For 2011 Durham was ranked as 77 out of 200 with the expected likelihood of being involved in an accident when driving through the city at 3.6 percent.

The traffic fatality rates in Durham are relatively low for a city and metro area of its size. The National Highway Traffic Safety Administration reported that in 2010 Durham experienced 21 vehicle related deaths with 8 of them attributed to alcohol impairment and 12 caused by speeding.

The website for Durham television station WRAL offers current traffic reports in Durham so that local residents may check drive times and discover adverse road conditions including traffic accidents, road closures and construction zones.

North Carolina Auto Insurance Laws

Car insurance laws in North Carolina require that all motorists carry liability insurance as well as uninsured motorist coverage. Drivers must have $30,000 for bodily injury of one person and $60,000 bodily injury for two or more with an additional $25,000 for property damage.

The uninsured motorist requirement mandates the same amounts as regular liability. While North Carolina auto insurance laws have set minimum requirements for car insurance, most drivers will need additional coverage in order to fully protect themselves financially.

Durham Car Insurance Quotes

The need for Durham auto insurance goes far beyond just the state requirements. This vital coverage protects drivers from potential financial loss when involved in a car accident. Without appropriate coverage, drivers would have to pay for damages out of pocket, which could potentially costs tens of thousands of dollars.

Our convenient to use insurance quote tool will enable you to receive car insurance quotes instantly online so that you can make a more informed decision about which coverage is right for your needs and family budget.

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