Buy Cheap Durham, NY Auto Insurance (2021)

Durham, NY auto insurance rates average $323 a month. Minimum auto insurance requirements in Durham, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in Durham, NY, 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

  • Average auto insurance rates in Durham, NY are $323/month
  • Average auto insurance rates in Durham, NY for teens drivers are $6,755/year
  • The most expensive auto insurance company in Durham is Liberty Mutual

Finding affordable Durham, New York auto insurance can be challenging, but everything you need to know to buy cheap Durham, NY 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, NY car insurance rates compare to Buffalo auto insurance rates, Yonkers auto insurance rates, and Albany auto insurance rates before you read more about the cost of auto insurance in Durham.

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

Durham, NY Minimum Auto Insurance Requirements

The required auto insurance in Durham, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in Durham, New York is outlined here.

Minimum Required Auto Insurance Coverage in Durham, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Durham, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Durham, NY. Take a look at Durham, New York auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Durham, New York

Insurance Company Poor Fair Good
Allstate $7,247 $4,236 $3,654
GEICO $2,734 $2,010 $1,803
Liberty Mutual $8,187 $5,354 $4,009
Nationwide $3,226 $3,226 $3,226
Progressive $5,139 $2,625 $1,910
State Farm $6,561 $4,110 $3,260
Travelers $4,872 $3,079 $2,678
USAA $5,185 $2,565 $2,265

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

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

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

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 $3,262 $3,105 $3,084 $3,168 $10,160 $10,996 $3,264 $3,327
GEICO $1,606 $1,546 $1,561 $1,538 $3,362 $4,907 $1,450 $1,489
Liberty Mutual $4,244 $4,244 $3,949 $3,949 $8,248 $13,407 $4,244 $4,515
Nationwide $2,433 $2,433 $2,295 $2,295 $4,336 $6,474 $2,433 $3,109
Progressive $1,985 $1,870 $1,594 $1,617 $6,468 $7,208 $2,555 $2,501
State Farm $2,908 $2,908 $2,534 $2,534 $8,598 $11,081 $3,200 $3,388
Travelers $2,553 $2,583 $2,323 $2,497 $5,872 $6,977 $2,710 $2,829
USAA $1,750 $1,722 $1,576 $1,583 $6,993 $8,362 $2,243 $2,480

Buy Cheap Durham, NY 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, NY are listed here.

Annual Auto Insurance Rates for Teen Drivers in Durham, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,160 $10,996
GEICO $3,362 $4,907
Liberty Mutual $8,248 $13,407
Nationwide $4,336 $6,474
Progressive $6,468 $7,208
State Farm $8,598 $11,081
Travelers $5,872 $6,977
USAA $6,993 $8,362

Buy Cheap Durham, NY Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Durham, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,084 $3,168
GEICO $1,561 $1,538
Liberty Mutual $3,949 $3,949
Nationwide $2,295 $2,295
Progressive $1,594 $1,617
State Farm $2,534 $2,534
Travelers $2,323 $2,497
USAA $1,576 $1,583

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

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

Annual Auto Insurance Rates by Coverage Level in Durham, New York

Insurance Company Low Medium High
Allstate $4,671 $5,022 $5,444
GEICO $2,072 $2,173 $2,302
Liberty Mutual $5,608 $5,832 $6,111
Nationwide $3,031 $3,200 $3,448
Progressive $3,090 $3,210 $3,375
State Farm $4,424 $4,670 $4,838
Travelers $3,368 $3,508 $3,752
USAA $3,250 $3,324 $3,442

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Find Cheap Durham, NY 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, NY by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Durham, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,975 $5,116
GEICO $2,118 $2,247
Liberty Mutual $5,686 $6,015
Nationwide $3,226 $3,226
Progressive $3,225 $3,225
State Farm $4,481 $4,807
Travelers $3,543 $3,543
USAA $3,305 $3,372

Find Cheap Durham, NY Auto Insurance Rates by Driving Record

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

Annual Durham, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,218 $4,218 $6,331 $5,416
GEICO $1,719 $1,873 $3,419 $1,719
Liberty Mutual $4,698 $4,698 $9,308 $4,698
Nationwide $2,459 $2,459 $5,473 $2,515
Progressive $3,138 $3,138 $3,467 $3,156
State Farm $4,423 $4,423 $4,865 $4,865
Travelers $3,041 $3,776 $3,831 $3,524
USAA $2,972 $3,020 $4,343 $3,020

Find Cheap Durham, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Durham, New York 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, NY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Durham, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,331
GEICO $3,419
Liberty Mutual $9,308
Nationwide $5,473
Progressive $3,467
State Farm $4,865
Travelers $3,831
USAA $4,343

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

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

Best Annual Auto Insurance Rates by Company in Durham, New York

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

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Find Cheap Durham, New York Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Durham, New York

Insurance Company Average Annual Rates
Allstate $5,046
GEICO $2,182
Liberty Mutual $5,850
Nationwide $3,226
Progressive $3,225
State Farm $4,644
Travelers $3,543
USAA $3,339

What affects Durham, New York auto insurance rates?

Local factors affect auto insurance rates in Durham, NY, 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, NY is 19.1 minutes according to City-Data.

Traffic in Durham

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

Compare Auto Insurance Quotes in Durham, NY

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

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