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Finding the cheapest car insurance quotes in Durant 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 Durant
The car insurance rate in Durant is $1937 for a six-month policy, which is $336 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1237, making it a popular choice for budget-conscious drivers. Rates in Durant 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 $1237 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $1315 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1531
for six months, making it
the third cheapest auto insurance company in Durant.
Durant Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Durant, FL is Travelers, offering policies at just $1237 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1315.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1157 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Durant drivers find the best deals.
The auto insurance costs in Durant fall around $1237 for six
months.
The cheapest auto insurance company in Durant is Patrons Insurance.
Teen drivers pay the highest rate in Durant at $1671 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 Durant
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 Durant are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Durant. Their Average 6 Month Premium is $151.
Metropolitan Group is the most
expensive at $460 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 Durant is Travelers
at $208 per month and $1237
for six months.
Cheapest Full Coverage Car Insurance Quotes in Durant,
FL
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 Durant, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Durant, Florida, may be increasing due to several external factors.
Florida has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Durant's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Durant
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
20s
Travelers
$1569
40s
Travelers
$1185
50s
Travelers
$1105
60s
Travelers
$1089
Cheapest Car Insurance Rates for Teen Drivers in
Durant,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Durant at $109
per
month. At $9825 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Durant.
As young drivers face the highest rates in Durant, Travelers
offers the cheapest auto insurance rates at $1569 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 Durant,
Nationwide is
the cheapest car insurance provider. At $783 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
Durant is Allstate, offering
rates of around $6282 for six
months.
Save up to $971/yr on car insurance rates in Durant.
Car Insurance Rates with An Accident in Durant
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 Durant, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Durant
The cheapest car insurance companies after an at-fault accident in
Durant include Nationwide
and AIG, offering $826
and $1056,
respectively. National General is an expensive provider
with an average six-month premium of
$1279.
Here is a list of driving violations that can increase your car
insurance rates in Durant FL. For example, the car
insurance in Durant
after a DUI increases to $1135 for a six
month policy. While the rate increases by $345 for a six-month policy in the case of
a speeding ticket.
Durant auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2207
$368
One Med/PIP claim
$2207
$375
Not-at-fault accident
$2386
$398
Two Med/PIP claims
$2451
$416
One comp claim
$2487
$415
Child safety restraint
$2494
$424
Failure to wear a seat belt
$2494
$416
Driving without lights
$2501
$425
Failure to show documents
$2501
$417
Speeding 6 - 10 MPH over limit
$2552
$434
Improper passing
$2559
$426
Passing school bus
$2559
$436
Wrong way/wrong lane
$2559
$426
Failure to stop at a red light
$2566
$437
Failure to yield
$2566
$427
Illegal turn
$2566
$437
Cell phone violation
$2574
$428
Driving with expired registration
$2574
$438
Following too closely
$2574
$428
Texting while driving
$2580
$439
Two comp claims
$2638
$439
Driving too slowly
$2652
$451
Speeding in school zone
$2652
$442
Speeding 11 - 15 MPH over limit
$2660
$453
In 65 MPH zone
$2753
$459
Speeding 16 - 20 MPH over limit
$2753
$468
Speeding 21 - 25 MPH over limit
$2767
$461
Open container
$2796
$476
Operating a vehicle without permission
$2796
$466
At-fault accident - less than $1000
$3033
$515
At-fault accident - $1000-$2000
$3083
$514
At-fault accident - greater than $2000
$3083
$524
Racing
$3335
$555
DUI
$3342
$569
Refusal to submit to a chemical test
$3342
$557
Driving with a suspended license
$3400
$578
Reckless driving
$3471
$578
Leaving scene of an accident/hit and run
$3508
$597
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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 Durant 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 Durant.
The cheapest car insurance premiums in
Durant are
offered by AIG at $777 for a six-month policy.
However, it can be as
expensive as $963 with companies
like National General.
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 Durant are offered by Nationwide
at $675. However,
it can be as expensive as $3508
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Durant after Speeding ticket
Car insurance rates in Durant have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Durant remained steady at $334 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Durant remained steady at $102 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Durant. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Durant?
The car insurance in Durant is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Durant?
The cheapest car insurance in Durant
is $208 per month
for full coverage.
How much is car insurance in Durant for teenagers?
Car insurance for teenagers costs $655 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
Durant?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $325 per month to insure your
car in Durant.
Is car insurance expensive in Durant?
Car insurance can be expensive in Durant if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Durant can be
affordable.
What is the best car insurance in Durant,
FL?
The best car insurance company in Durant
FL is
Travelers, offering $1237 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Durant, FL
Car Insurance Rates by State in the USA (2025 Update)
Durant Car Insurance
