🚗 Car insurance cost in Durham, NC (2026)
Estimated average: $1,610 per year — -25% vs. the U.S. average of $2,150.
$1,610
Est. car insurance in Durham
per year
$1,548
North Carolina average
$2,150
U.S. average
296,186
Population
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Durham car insurance estimator
Estimated$2,818/year
Starts from the Durham estimate. Get quotes to confirm your price.
Durham car insurance FAQ
How much is car insurance in Durham, NC?
The estimated average is $1,610 per year — above the state average (+4% vs. the North Carolina average of $1,548, and -25% vs. the U.S. average).
Is car insurance more expensive in Durham than elsewhere in North Carolina?
Durham has about 296,186 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Durham?
Compare at least three quotes from insurers active in Durham, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.