Best car insurance in Durham

 You must have car insurance if you are one of the 7,025,333 licenced drivers in North Carolina. The cost of car insurance is determined by a number of factors, including your location. According to a 2021 study of quoted annual premiums, the average cost of car insurance in Durham is $423 for a minimum coverage policy and $1,263 for a full coverage policy.

Best car insurance in Durham

When it comes to car insurance, Durham drivers have several options, but not all providers are created equal. To find the best cheap car insurance companies in Durham, we investigated some of the top car insurance companies in North Carolina and compared them based on average price, coverage options, and discounts.

Durham's top auto insurance companies
Our top picks for the best car insurance in Durham are State Farm, Geico, North Carolina Farm Bureau, Erie, and Progressive. These businesses provide reasonable rates, good discounts, and dependable coverage options. J.D. Power ranks many of them above average in terms of overall customer satisfaction.


J.D. Power ranks Geico highly for overall customer satisfaction in the Southeast region (which includes North Carolina). Geico is a good option for Durham drivers who want the lowest possible rate and only need basic coverage. Geico provides numerous discounts, including savings for military personnel, emergency deployment, and federal employees, but coverage options are limited.

State Farm

State Farm insures the most drivers of any company. We recommend State Farm to Durham drivers because the premiums are extremely low and the company provides excellent discounts, including two safe driver discount programmes. Young drivers under the age of 25 can save up to 15% by enrolling in the Steer Clear programme, and drivers over the age of 25 can save up to 30% by enrolling in the Drive Safe & Save programme.

North Carolina Farm Bureau

North Carolina Farm Bureau is yet another highly rated insurance company in the state. It is well-known for providing excellent customer service, as well as dependable coverage and low premiums. To get North Carolina Farm Bureau coverage, you must be a Farm Bureau member, which requires a small annual fee. Farm Bureau members also receive other benefits, such as discounted hotel rooms and free banking services.


In J.D. Power's 2020 U.S. Auto Insurance Study for the Southeast region, Erie was ranked second for overall customer satisfaction. Durham drivers can get a low-cost policy from Erie without sacrificing coverage. We like how Erie includes a number of unique benefits with each policy, such as a rate lock guarantee, first accident forgiveness, a decreasing deductible, new car and better car protection, and pet injury coverage.


Progressive does not have the highest overall customer satisfaction rating, but its average rates are higher than the national average. Progressive, on the other hand, is an excellent choice for first-time car insurance drivers in Durham. Progressive's Name Your Price Tool can help you find policies that fit within your budget, and you can even compare Progressive's rates to competitors on its website. In addition, the company provides some of the best discounts in the industry.

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