Buy Cheap Durham, CA Auto Insurance (2021)

Durham, CA auto insurance rates average $250 a month. Minimum auto insurance requirements in Durham, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Durham, CA, compare Durham auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Durham is Farmers
  • Average auto insurance rates in Durham, CA for teens drivers are $5,032/year
  • Average auto insurance rates in Durham, CA after a DUI are $4,179/year

Finding affordable Durham, California auto insurance can be challenging, but everything you need to know to buy cheap Durham, CA auto insurance with confidence is right here. Auto insurance rates in Durham are affected by local factors as well as personal ones like your driving record.

See how Durham, CA car insurance rates compare to Sacramento auto insurance rates, San Jose auto insurance rates, and San Diego auto insurance rates before you read more about the cost of auto insurance in Durham.

Don’t buy Durham, CA auto insurance until you’ve compared rates. Get free Durham, California auto insurance quotes when you enter your ZIP code above.

Durham, CA Minimum Auto Insurance Requirements

The required auto insurance in Durham, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Durham, California is outlined here.

Minimum Required Auto Insurance Coverage in Durham, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Durham, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Durham, California auto insurance rates? Find out how car insurance rates in Durham, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Durham, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,245 $2,254 $1,639 $1,664 $6,135 $7,724 $2,893 $3,205
Farmers $2,327 $2,327 $2,097 $2,097 $7,460 $12,251 $2,761 $3,076
GEICO $1,588 $1,590 $1,495 $1,495 $4,812 $4,902 $2,278 $2,335
Liberty Mutual $2,167 $2,055 $2,010 $1,949 $4,723 $5,014 $2,447 $2,466
Nationwide $2,437 $2,331 $2,132 $2,016 $6,079 $6,719 $2,899 $2,869
Progressive $1,304 $1,340 $1,117 $1,317 $3,442 $4,126 $1,865 $1,999
State Farm $2,524 $2,524 $2,254 $2,254 $4,602 $5,729 $2,785 $2,870
Travelers $2,128 $2,066 $1,879 $1,860 $4,292 $4,889 $2,734 $2,689
USAA $1,664 $1,576 $1,629 $1,635 $3,740 $3,754 $2,292 $2,167

Buy Cheap Durham, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Durham can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Durham, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Durham, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,135 $7,724
Farmers $7,460 $12,251
GEICO $4,812 $4,902
Liberty Mutual $4,723 $5,014
Nationwide $6,079 $6,719
Progressive $3,442 $4,126
State Farm $4,602 $5,729
Travelers $4,292 $4,889
USAA $3,740 $3,754

Buy Cheap Durham, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Durham, California by comparing Durham senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Durham, CA here.

Annual Auto Insurance Rates for Senior Drivers in Durham, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,639 $1,664
Farmers $2,097 $2,097
GEICO $1,495 $1,495
Liberty Mutual $2,010 $1,949
Nationwide $2,132 $2,016
Progressive $1,117 $1,317
State Farm $2,254 $2,254
Travelers $1,879 $1,860
USAA $1,629 $1,635

Find Cheap Auto Insurance Rates in Durham, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Durham, California auto insurance. Compare Durham, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Durham, California

Insurance Company Low Medium High
Allstate $3,303 $3,497 $3,609
Farmers $4,016 $4,334 $4,549
GEICO $2,331 $2,590 $2,765
Liberty Mutual $2,667 $2,877 $3,017
Nationwide $3,089 $3,494 $3,723
Progressive $1,839 $2,131 $2,221
State Farm $2,868 $3,241 $3,469
Travelers $2,461 $2,891 $3,099
USAA $2,093 $2,352 $2,477

Find Cheap Durham, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Durham. Compare auto insurance rates in Durham, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Durham, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,134 $3,806
Farmers $3,901 $4,698
GEICO $2,328 $2,796
Liberty Mutual $2,620 $3,088
Nationwide $3,042 $3,829
Progressive $1,873 $2,255
State Farm $3,074 $3,312
Travelers $2,541 $3,093
USAA $2,127 $2,487

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Find Cheap Durham, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Durham, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Durham, CA, take a look at the average cost for various violations versus rates for a clean driving record in Durham.

Annual Durham, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,096 $3,528 $5,510 $2,746
Farmers $3,179 $4,328 $5,392 $4,299
GEICO $1,794 $2,758 $3,471 $2,225
Liberty Mutual $2,476 $3,319 $2,995 $2,624
Nationwide $2,403 $3,076 $5,185 $3,076
Progressive $1,358 $2,298 $2,646 $1,953
State Farm $2,274 $2,715 $5,140 $2,642
Travelers $1,906 $3,052 $3,545 $2,766
USAA $1,537 $2,277 $3,732 $1,682

Find Cheap Durham, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Durham, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Durham for less when you shop around and compare rates from multiple Durham, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Durham, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,510
Farmers $5,392
GEICO $3,471
Liberty Mutual $2,995
Nationwide $5,185
Progressive $2,646
State Farm $5,140
Travelers $3,545
USAA $3,732

Winners by Category: Where to Buy Cheap Auto Insurance in Durham, CA

Compare rates from the cheapest auto insurance companies in Durham, CA for your needs. Take a look at how Durham, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Durham, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Find Cheap Durham, California Auto Insurance Companies

If you’re looking for the cheapest Durham, CA auto insurance companies overall, you can compare them here. Find the best price for Durham, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Durham, California

Insurance Company Average Annual Rates
Allstate $3,470
Farmers $4,300
GEICO $2,562
Liberty Mutual $2,854
Nationwide $3,435
Progressive $2,064
State Farm $3,193
Travelers $2,817
USAA $2,307

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What affects Durham, California auto insurance rates?

Local factors affect auto insurance rates in Durham, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Durham auto insurance rates.

Commute Times in Durham

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Durham, CA is 28.6 minutes according to City-Data.

Traffic in Durham

How is traffic in Durham, California? Inrix data shows that Durham, CA traffic makes it the 136th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Durham, CA

You can buy cheap Durham, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Durham, California auto insurance quotes from top companies.

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