We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Durham shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Durham
The car insurance rate in Durham is $1345 for a six-month policy, which is $86 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in Durham can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $687 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $709 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $832
for six months, making it
the third cheapest auto insurance company in Durham.
Durham Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Durham, CT is Kemper, offering policies at just $687 for a six-month term. This is followed by Travelers, which has an average six-month premium of $709.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3155 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Durham drivers find the best deals.
The auto insurance costs in Durham fall around $687 for six
months.
The cheapest auto insurance company in Durham is USAA.
Teen drivers pay the highest rate in Durham at $1324 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Durham
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Durham are given below.
USAA provides
the cheapest minimum car insurance
coverage in Durham. Their Average 6 Month Premium is $290.
Farmers is the most
expensive at $910 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Durham is Kemper
at $116 per month and $687
for six months.
Cheapest Full Coverage Car Insurance Quotes in Durham,
CT
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Durham, CT increasing?
Despite maintaining a clean driving record, your car insurance rates
in Durham, Connecticut, may be increasing due to several external factors.
Connecticut has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Durham's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Durham
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
undefined
Cheapest Car Insurance Rates for Teen Drivers in
Durham,CT
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Durham at $58
per
month. At $7789 for a six-month premium,
Travelers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Durham.
As young drivers face the highest rates in Durham, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Durham,
Kemper is
the cheapest car insurance provider. At $397 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Durham is Amica, offering
rates of around $4617 for six
months.
Save up to $971/yr on car insurance rates in Durham.
Car Insurance Rates with An Accident in Durham
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Durham, CT,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Durham
The cheapest car insurance companies after an at-fault accident in
Durham include Amica Mutual
and Kemper, offering $486
and $509,
respectively. Hanover is an expensive provider
with an average six-month premium of
$5633.
Here is a list of driving violations that can increase your car
insurance rates in Durham CT. For example, the car
insurance in Durham
after a DUI increases to $1782 for a six
month policy. While the rate increases by $234 for a six-month policy in the case of
a speeding ticket.
Durham auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1139
$190
One Med/PIP claim
$1139
$194
Not-at-fault accident
$1178
$196
Two Med/PIP claims
$1183
$201
One comp claim
$1200
$200
Two comp claims
$1273
$216
Driving without lights
$1324
$221
Failure to wear a seat belt
$1340
$227
Child safety restraint
$1356
$227
Failure to show documents
$1362
$231
Speeding 6 - 10 MPH over limit
$1373
$229
Driving with expired registration
$1379
$234
Speeding 11 - 15 MPH over limit
$1379
$230
Speeding 16 - 20 MPH over limit
$1379
$234
Cell phone violation
$1385
$231
Texting while driving
$1385
$235
Driving too slowly
$1390
$232
Failure to stop at a red light
$1390
$236
Failure to yield
$1390
$232
Following too closely
$1390
$236
Illegal turn
$1390
$232
Improper passing
$1396
$238
Wrong way/wrong lane
$1396
$233
Speeding in school zone
$1402
$239
Speeding 21 - 25 MPH over limit
$1418
$236
At-fault accident - less than $1000
$1435
$244
In 65 MPH zone
$1491
$248
Operating a vehicle without permission
$1541
$262
Open container
$1625
$271
At-fault accident - $1000-$2000
$1781
$303
At-fault accident - greater than $2000
$1781
$297
Passing school bus
$2083
$354
Reckless driving
$2742
$457
Racing
$2826
$480
Driving with a suspended license
$2847
$475
Refusal to submit to a chemical test
$2870
$488
DUI
$2921
$487
Leaving scene of an accident/hit and run
$2970
$505
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Durham after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Durham.
The cheapest car insurance premiums in
Durham are
offered by Kemper at $619 for a six-month policy.
However, it can be as
expensive as $16544 with companies
like Hanover.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Durham are offered by Kemper
at $391. However,
it can be as expensive as $4489
with companies like Hanover for a similar
six-month premium.
Cheapest Car Insurance in Durham after Speeding ticket
Car insurance rates in Durham have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Durham rose by
$310 in January
compared to $224 of December. In other words, there has been an increase by $86 when you
compare January and December.
The average cost of liability insurance in the Durham dipped to $76 in January,
compared to $81 in December.
This represents an decrease of $5
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Durham. At $2690 for a
six-month policy, insuring
your car at 6422 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Durham?
The car insurance in Durham is $50 per month, which is lower than the national average.
What is the cheapest car insurance in Durham?
The cheapest car insurance in Durham
is $116 per month
for full coverage.
How much is car insurance in Durham for teenagers?
Car insurance for teenagers costs $346 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Durham?
The average cost of car insurance is $1431 for a six-month
policy. It will cost around $227 per month to insure your
car in Durham.
Is car insurance expensive in Durham?
Car insurance can be expensive in Durham if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Durham can be
affordable.
What is the best car insurance in Durham,
CT?
The best car insurance company in Durham
CT is
Kemper, offering $687 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Durham right now.
Find Car Insurance Rates in Cities Near Durham, CT
Car Insurance Rates by State in the USA (2025 Update)
Durham Car Insurance
