🏠 Home insurance cost in Durham, NC (2027)
Estimated average: $2,033 per year — -12% vs. the U.S. average of $2,300.
With about 296,186 residents, Durham is a large city and the #4 largest city in North Carolina. Home insurance rates here are estimated at $2,033 per year, above the North Carolina average of $1,955 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Durham with other North Carolina cities.
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Durham home insurance estimator
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Durham home insurance FAQ
How much is home insurance in Durham, NC?
The estimated average is $2,033 per year — above the state average (+4% vs. the North Carolina average of $1,955, and -12% vs. the U.S. average).
Is home 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 home 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.