Car Insurance Cost in Durham, NC – Averages (2025) + Cheapest Quotes

Which autos cost the least to insure in Durham, NC? We compared rates for over 700 models to find the cheapest car insurance rates.

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How much does car insurance cost in Durham?

The average car insurance cost in Durham is $1,814 per year, which is 20.2% less than the U.S. overall average rate of $2,221 per year. Average car insurance cost per month in Durham is $151 for a full coverage policy.

In the state of North Carolina, the average car insurance cost is $1,822 per year, so the cost in Durham averages $8 less per year. The average cost of insurance in Durham compared to other North Carolina cities is about $8 per year more than in Greensboro, $102 per year more than in Winston-Salem, and $152 per year cheaper than in Charlotte.

Driver age has a big impact on the cost of auto insurance. The list below details how age impacts cost by breaking down average car insurance rates in Durham for driver ages 16 through 60.

Durham car insurance cost for drivers age 16 to 60

  • 16-year-old rated driver – $6,453 per year or $538 per month
  • 17-year-old rated driver – $6,252 per year or $521 per month
  • 18-year-old rated driver – $5,604 per year or $467 per month
  • 19-year-old rated driver – $5,101 per year or $425 per month
  • 20-year-old rated driver – $3,648 per year or $304 per month
  • 30-year-old rated driver – $1,934 per year or $161 per month
  • 40-year-old rated driver – $1,814 per year or $151 per month
  • 50-year-old rated driver – $1,604 per year or $134 per month
  • 60-year-old rated driver – $1,502 per year or $125 per month

The chart below shows examples of average Durham car insurance cost. Rates are averaged for all Durham Zip Codes and shown for an assortment of driver ages, physical damage deductibles, and driver risk profiles.

Average car insurance rates in Durham for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Durham for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Durham includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Durham, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,056$338
Safe Driver Age 20$3,550$296
At-fault Accidents Age 40$2,498$208
Low Deductibles Age 40$2,304$192
Safe Driver Age 30$1,876$156
Safe Driver Age 40$1,764$147
Safe Driver Age 50$1,562$130
High Deductibles Age 40$1,488$124
Discount Rate Age 40$1,464$122
Safe Driver Age 60$1,462$122

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

Average car insurance rates in the chart range from $1,504 per year for a 40-year-old driver with a discount rate policy to $4,166 per year for a 30-year-old driver with a history of violations and/or at-fault accidents.

When these rates are converted to a cost per month, the average cost of car insurance per month in Durham ranges from $125 to $347.

Durham car insurance rates can have a very wide price range and can also be significantly different between companies. Since there is so much rate volatility, this increases the need to get accurate auto insurance quotes when looking for cheaper car insurance.

The car insurance rates discussed up to this point take all 2024 models and come up with an average cost, which is suitable when making big picture comparisons like the average cost difference by driver age or location. But for more useful price comparisons, the cost data will be more precise if we instead use rates for the specific model of vehicle being insured.

In the next few article sections, we explore car insurance rates for specific makes and models of vehicles, but for now, we will explore just a few popular models to see how car insurance rates measure up in Durham.

The chart below details the cost of car insurance in Durham for the more popular models.

Average cost to insure popular 2024 model year vehicles in Durham.
Figure 2: Average cost to insure popular 2024 model year vehicles in Durham. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Durham Zip Codes.

Durham, North Carolina Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Mazda CX-5$1,434$120
Honda CR-V$1,500$125
Honda HR-V$1,536$128
Honda Civic$1,560$130
Subaru Forester$1,566$131
Nissan Rogue$1,586$132
Ford Explorer$1,596$133
Ford Escape$1,610$134
Nissan Sentra$1,616$135
Toyota RAV4$1,626$136
Toyota Corolla$1,720$143
Hyundai Santa Fe$1,788$149
Toyota Camry$1,890$158
Ford Mustang$1,936$161
Chevrolet Silverado$1,950$163
Ford F150$1,970$164
Ram Truck$2,036$170
Chevrolet Corvette$2,430$203

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Durham, NC Zip Codes. Updated June 27, 2025

The vehicles that sell well in Durham tend to be small or midsize sedans like the Volkswagen Jetta, Nissan Sentra, and Kia K5 and small or midsize SUVs like the Honda CR-V, Nissan Rogue, and Chevy Traverse.

Some additional popular models in Durham from other segments include luxury models like the BMW 530i and Lexus RX 350, pickup trucks like the Ram 1500 and Chevy Silverado, and sports cars like the Porsche 911 and Chevy Corvette.

We will get into rates for lots more vehicles later in this article, but before that, let’s review some of the general concepts covered up to this point.

  • A low deductible policy costs more – A 20-year-old driver pays an average of $972 more per year for $250 physical damage deductibles versus $1,000.
  • Car insurance costs less as you get older – Auto insurance rates for a 40-year-old driver in Durham are $1,834 per year cheaper than for a 20-year-old driver.
  • Durham, NC, car insurance cost is less than the U.S. average – $1,814 (Durham average) versus $2,221 (U.S. average)
  • Durham auto insurance prices are cheaper than the North Carolina state average – $1,814 (Durham average) versus $1,822 (North Carolina average)
  • Insurance rates decrease substantially in your twenties – The average 30-year-old Durham driver will pay $1,714 less annually than a 20-year-old driver, $1,934 compared to $3,648.
  • Monthly car insurance cost ranges from $125 to $538 – That is the average car insurance price range for drivers from age 16 to 60 in Durham, North Carolina.

What are the cheapest auto insurance rates in Durham?

The models with the most affordable insurance quotes in Durham, NC, tend to be crossovers and compact SUVs like the Kia Soul, Subaru Crosstrek, Toyota Corolla Cross, and Hyundai Venue.

Average car insurance prices for those small SUVs cost $123 or less per month to get full coverage.

A few other vehicles that rank very well in our auto insurance cost comparison are the Ford Bronco Sport, Kia Niro, Buick Envista, and Honda CR-V. The average rates are a few dollars per month higher for those models than the crossover SUVs that rank near the top, but they still have an average insurance cost of $1,576 or less per year, or around $131 per month.

The next table shows the top 50 cheapest vehicles to insure in Durham, sorted by average cost.

Top 50 Cheapest Automobiles to Insure in Durham, North Carolina
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,300$108
2Chevrolet Trailblazer$1,322$110
3Kia Soul$1,374$115
4Nissan Kicks$1,388$116
5Honda Passport$1,400$117
6Buick Envision$1,410$118
7Toyota Corolla Cross$1,420$118
8Hyundai Venue$1,432$119
9Mazda CX-5$1,434$120
10Ford Bronco Sport$1,440$120
11Volkswagen Tiguan$1,456$121
12Acura RDX$1,472$123
13Nissan Murano$1,478$123
14Buick Encore$1,494$125
15Subaru Outback$1,498$125
16Honda CR-V$1,500$125
17Buick Envista$1,510$126
18Volkswagen Taos$1,512$126
19Kia Niro$1,514$126
20Toyota GR Corolla$1,528$127
21Subaru Ascent$1,530$128
22Honda HR-V$1,536$128
23Nissan Leaf$1,544$129
24Chevrolet Colorado$1,552$129
25Lexus NX 250$1,556$130
26Volkswagen Atlas$1,558$130
27Honda Civic$1,560$130
28Acura Integra$1,562$130
29Subaru Forester$1,566$131
30Volkswagen Atlas Cross Sport$1,566$131
31GMC Terrain$1,574$131
32Kia Seltos$1,576$131
33Cadillac XT4$1,586$132
34Hyundai Kona$1,586$132
35Nissan Rogue$1,586$132
36Mazda CX-30$1,592$133
37Volkswagen ID4$1,594$133
38Ford Explorer$1,596$133
39Toyota Highlander$1,600$133
40Toyota Venza$1,606$134
41Honda Odyssey$1,608$134
42Ford Escape$1,610$134
43Nissan Sentra$1,616$135
44Subaru Impreza$1,620$135
45Chevrolet Equinox$1,624$135
46Mazda MX-5 Miata$1,626$136
47Toyota RAV4$1,626$136
48Mazda MX-30$1,632$136
49Hyundai Tucson$1,634$136
50Toyota Prius$1,642$137

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Durham, NC Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in Durham, NC with the Subaru Crosstrek ranking first at $1,300 per year
Top 50 cheapest vehicles to insure in Durham, NC with the Subaru Crosstrek ranking first at $1,300 per year

A table showing 50 vehicle models with cheap Durham car insurance is not really the best way to show the full picture of the cost of car insurance in Durham. A more useful way to group rates in a logical manner is to organize them by their automotive segment.

The next section illustrates the average cost of car insurance for each different vehicle segment. The rates shown should provide a decent understanding of the vehicle segments that have the best Durham auto insurance rates. Then the subsequent sections show the cheapest rates for individual vehicles in each individual segment.

Durham auto insurance rates by automotive segment

If you are considering buying a new vehicle, it’s useful to have a basic understanding of which types of vehicles have better car insurance rates. To illustrate this, you may be curious if compact SUVs are cheaper to insure than compact cars or if half-ton pickups have cheaper insurance than heavy duty pickups.

The chart below shows average car insurance rates by segment in Durham. From an overall average perspective, compact SUVs, midsize trucks, and minivans have the best rates, with high-performance exotic models having the most expensive rates.

Car insurance average cost by automotive segment in Durham, NC.
Figure 3: Car insurance average cost by automotive segment in Durham, NC. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Durham Zip Codes.

Car Insurance Rates by Automotive Segment in Durham, NC
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,664$139
Midsize SUV$1,788$149
Compact Car$1,788$149
Minivan$1,792$149
Midsize Pickup$1,830$153
Midsize Car$1,844$154
Compact Luxury SUV$1,964$164
Compact Luxury Car$1,994$166
Large SUV$2,000$167
Half-ton Pickup$2,010$168
Heavy Duty Pickup$2,086$174
Midsize Luxury SUV$2,152$179
Midsize Luxury Car$2,220$185
Sports Car$2,490$208
Large Car$2,606$217
Large Luxury SUV$2,804$234
Large Luxury Car$2,900$242

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Durham, NC Zip Codes. Updated June 27, 2025

Average car insurance rates by segment are close enough to make a general comparison, but the insurance cost for specific vehicles ranges considerably within each of the segments displayed in the above chart.

For example, in the small car segment, average Durham auto insurance rates range from the Toyota GR Corolla costing $1,576 per year for full coverage insurance up to the Toyota Mirai costing $2,254 per year, a difference of $678 within that segment. As another example, in the large luxury SUV segment, rates range from the Infiniti QX80 at $2,030 per year to the Mercedes-Benz G63 AMG at $3,894 per year.

In the next sections, we eliminate much of the variability by analyzing the cost of car insurance in Durham from a model perspective rather than by segment.

Cheapest cars to insure in Durham

Ranking highest for the cheapest Durham auto insurance rates in the car segment (excluding luxury models) are the Subaru Impreza, Honda Civic, Nissan Leaf, Nissan Sentra, and Toyota GR Corolla. Insurance rates for these 2024 models average $139 or less per month.

Other cars that are affordable to insure include the Toyota Prius, Honda Accord, Kia K5, and Chevrolet Malibu, with average cost of $1,766 per year or less.

Full-coverage car insurance in Durham for this segment for an average middle-age driver can cost as low as $131 per month, depending on where you live and the company you use.

If vehicle size is considered, the cheapest non-luxury compact car to insure in Durham is the Toyota GR Corolla at $1,576 per year, or $131 per month. For midsize cars, the Kia K5 has the cheapest rates at $1,746 per year, or $146 per month. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $1,724 per year, or $144 per month.

The comparison table below ranks the twenty cars with the lowest-cost auto insurance rates in Durham, starting with the Toyota GR Corolla at $131 per month and ending with the Mazda 3 at $156 per month.

Cheapest Cars to Insure in Durham, North Carolina
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,576$131
Nissan LeafCompact$1,586$132
Honda CivicCompact$1,602$134
Nissan SentraCompact$1,662$139
Subaru ImprezaCompact$1,664$139
Toyota PriusCompact$1,690$141
Kia K5Midsize$1,746$146
Honda AccordMidsize$1,750$146
Chevrolet MalibuMidsize$1,758$147
Toyota CorollaCompact$1,766$147
Kia ForteCompact$1,770$148
Volkswagen ArteonMidsize$1,780$148
Nissan VersaCompact$1,786$149
Subaru LegacyMidsize$1,788$149
Hyundai Ioniq 6Midsize$1,802$150
Mitsubishi Mirage G4Compact$1,830$153
Toyota CrownMidsize$1,830$153
Volkswagen JettaCompact$1,834$153
Hyundai SonataMidsize$1,838$153
Mazda 3Compact$1,874$156

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Durham, NC Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Durham, NC, with the Toyota GR Corolla ranking first at $1,576 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Durham, NC, with the Toyota GR Corolla ranking first at $1,576 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Durham car insurance quotes from top auto insurance companies in North Carolina.

Cheapest SUVs to insure in Durham

In our comparison, the top five cheapest SUVs to insure in Durham are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Auto insurance rates for these models range from $1,340 to $1,442 per year.

Some other SUVs that rank well in our comparison are the Buick Envision, Hyundai Venue, Toyota Corolla Cross, and Mazda CX-5, with an average car insurance cost of $1,482 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Nissan Murano, Buick Encore, Subaru Outback, Subaru Ascent, and Buick Envista average between $1,482 and $1,576 per year for insurance in Durham.

Car insurance in this segment for an average middle-age driver will start around $112 per month, depending on your location and insurance company. The table below ranks the twenty SUVs with the most affordable auto insurance rates in Durham, starting with the Subaru Crosstrek at $112 per month and ending with the Subaru Ascent at $131 per month.

Cheapest SUVs to Insure in Durham, North Carolina
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,340$112
Chevrolet TrailblazerCompact$1,360$113
Kia SoulCompact$1,412$118
Nissan KicksCompact$1,426$119
Honda PassportMidsize$1,442$120
Buick EnvisionCompact$1,452$121
Toyota Corolla CrossCompact$1,460$122
Hyundai VenueCompact$1,472$123
Mazda CX-5Compact$1,478$123
Ford Bronco SportCompact$1,482$124
Volkswagen TiguanCompact$1,500$125
Nissan MuranoMidsize$1,520$127
Buick EncoreCompact$1,536$128
Honda CR-VCompact$1,542$129
Subaru OutbackMidsize$1,544$129
Buick EnvistaMidsize$1,548$129
Volkswagen TaosCompact$1,552$129
Kia NiroCompact$1,558$130
Honda HR-VCompact$1,576$131
Subaru AscentMidsize$1,576$131

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Durham, NC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Durham, NC, with the Subaru Crosstrek ranking first at $1,340 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Durham, NC, with the Subaru Crosstrek ranking first at $1,340 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV missing from the table above? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Durham car insurance quotes from top-rated auto insurance companies in North Carolina.

Cheapest pickups to insure in Durham, North Carolina

Sitting at number one in Durham for the lowest-cost insurance in the pickup segment is the Chevrolet Colorado, at $1,596 per year. Second place is the Nissan Titan costing $1,694 per year, in third place is the Nissan Frontier, at an average of $1,712 per year, and fourth place goes to the Ford Ranger, costing an average of $1,732 per year.

Other models that have affordable average insurance rates are the GMC Sierra 2500 HD, Honda Ridgeline, GMC Canyon, and Hyundai Santa Cruz, with average rates of $1,864 per year or less.

Auto insurance for this segment in Durham for a middle-age safe driver will start around $133 per month, depending on where you live and the company you use.

The rate comparison table below ranks the pickups with the most affordable insurance rates in Durham, starting with the Chevrolet Colorado at $1,596 per year ($133 per month) and ending with the Ram Truck at $2,094 per year ($175 per month).

Cheapest Pickups to Insure in Durham, North Carolina
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,596$133
Nissan TitanFull-size$1,694$141
Nissan FrontierMidsize$1,712$143
Ford RangerMidsize$1,732$144
Ford MaverickMidsize$1,758$147
Honda RidgelineMidsize$1,798$150
Hyundai Santa CruzMidsize$1,828$152
Toyota TacomaMidsize$1,836$153
GMC Sierra 2500 HDHeavy Duty$1,842$154
GMC CanyonMidsize$1,864$155
Jeep GladiatorMidsize$1,912$159
GMC Sierra 3500Heavy Duty$1,920$160
Chevrolet Silverado HD 3500Heavy Duty$1,936$161
Chevrolet Silverado HD 2500Heavy Duty$1,988$166
GMC SierraFull-size$2,000$167
Chevrolet SilveradoFull-size$2,004$167
Nissan Titan XDHeavy Duty$2,004$167
Ford F150Full-size$2,026$169
GMC Hummer EV PickupFull-size$2,080$173
Ram TruckFull-size$2,094$175

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Durham, NC Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Durham, NC, with the Chevrolet Colorado ranking first at $1,596 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Durham, NC, with the Chevrolet Colorado ranking first at $1,596 per year.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Need rates for a different pickup model? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Durham car insurance quotes from top companies in North Carolina.

Cheapest sports cars to insure

The top five models for the lowest-cost Durham car insurance rates in the performance and sports car segment are the BMW Z4, Subaru WRX, Ford Mustang, Toyota GR86, and Mazda MX-5 Miata. Insurance rates for these 2024 models average $2,030 or less per year.

Some other sports cars that have cheaper rates include the Lexus RC F, Subaru BRZ, BMW M2, and Toyota GR Supra, with average annual insurance rates of $2,166 per year or less.

On a monthly basis, auto insurance in this segment for the average driver starts at an average of $140 per month, depending on the company and your location. The rate comparison table below ranks the sports cars with the lowest-cost insurance rates in Durham.

Cheapest Sports Cars to Insure in Durham, North Carolina
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,676$140
Toyota GR86Sports Car$1,906$159
Ford MustangSports Car$1,992$166
BMW Z4Sports Car$2,002$167
Subaru WRXSports Car$2,030$169
Toyota GR SupraSports Car$2,036$170
BMW M2Sports Car$2,094$175
Nissan ZSports Car$2,100$175
Lexus RC FSports Car$2,140$178
Subaru BRZSports Car$2,166$181
BMW M3Sports Car$2,288$191
Porsche 718Sports Car$2,334$195
Chevrolet CamaroSports Car$2,354$196
Chevrolet CorvetteSports Car$2,506$209
Porsche 911Sports Car$2,596$216
BMW M4Sports Car$2,706$226
Lexus LC 500Sports Car$2,718$227
Jaguar F-TypeSports Car$2,860$238
Mercedes-Benz AMG GT53Sports Car$2,998$250
Porsche TaycanSports Car$3,068$256

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Durham, NC Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Durham, NC, with the Mazda MX-5 Miata ranking first at $1,676 per year.
Ranking of the cheapest sports cars to insure in Durham, NC, with the Mazda MX-5 Miata ranking first at $1,676 per year.

Don’t see rates for your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Durham.

Luxury car auto insurance rates in Durham, NC

The Acura Integra ranks #1 as the lowest-cost luxury car to insure in Durham, followed by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model costs an average of $1,608 per year for a full-coverage insurance policy.

Additional models that rank well in our comparison are the Lexus RC 300, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus ES 350, with an average cost of $1,902 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the BMW 330e, Lexus RC 350, Lexus ES 250, Cadillac CT5, and BMW 228i average between $1,902 and $2,030 per year for auto insurance in Durham.

Full-coverage auto insurance for this segment in Durham for the average driver will start around $134 per month, depending on where you live and the company you use.

The comparison table below ranks the twenty luxury cars with the most affordable insurance in Durham, starting with the Acura Integra at $1,608 per year and ending with the Audi S3 at $2,030 per year.

Cheapest Luxury Cars to Insure in Durham, North Carolina
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,608$134
BMW 330iCompact$1,844$154
Mercedes-Benz CLA250Midsize$1,862$155
Lexus IS 300Midsize$1,868$156
Acura TLXCompact$1,872$156
Cadillac CT4Compact$1,890$158
Lexus ES 350Midsize$1,890$158
Genesis G70Compact$1,896$158
Mercedes-Benz AMG CLA35Midsize$1,898$158
Lexus RC 300Midsize$1,902$159
Lexus IS 350Compact$1,910$159
Jaguar XFMidsize$1,916$160
Cadillac CT5Midsize$1,952$163
Lexus ES 250Midsize$1,958$163
Lexus RC 350Compact$1,964$164
BMW 330eCompact$1,968$164
BMW 228iCompact$1,972$164
BMW 230iCompact$1,986$166
Lexus ES 300hMidsize$1,990$166
Audi S3Compact$2,030$169

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Durham, NC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Durham, NC, with the Acura Integra ranking first at $1,608 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Durham, NC, with the Acura Integra ranking first at $1,608 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Durham car insurance quotes from the best auto insurance companies in North Carolina.

Cheap luxury SUVs to insure in Durham

The four top-ranked luxury SUVs with the most affordable auto insurance in Durham are the Acura RDX at $1,516 per year, Lexus NX 250 at $1,604 per year, Cadillac XT4 at $1,634 per year, and Jaguar E-Pace at $1,694 per year.

Other luxury SUVs that have cheaper rates include the Lexus NX 350h, Lexus NX 450h, Lincoln Corsair, and Mercedes-Benz GLB 250, with an average car insurance cost of $1,748 per year or less.

Auto insurance rates in Durham for this segment for a middle-age safe driver starts at around $126 per month, depending on where you live.

If rates are ranked by vehicle size, the most budget-friendly compact luxury SUV to insure in Durham is the Acura RDX at $1,516 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $1,694 per year. And for full-size luxury models, the Infiniti QX80 has the best rates at $2,030 per year.

The table below ranks the luxury SUVs with the most affordable car insurance in Durham.

Cheapest Luxury SUVs to Insure in Durham, North Carolina
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,516$126
Lexus NX 250Compact$1,604$134
Cadillac XT4Compact$1,634$136
Jaguar E-PaceMidsize$1,694$141
Cadillac XT5Midsize$1,706$142
Lexus NX 350hCompact$1,708$142
Lincoln CorsairCompact$1,728$144
Mercedes-Benz GLB 250Compact$1,732$144
Lexus UX 250hCompact$1,736$145
Lexus NX 450hCompact$1,748$146
Infiniti QX50Midsize$1,762$147
Mercedes-Benz GLA250Compact$1,764$147
Mercedes-Benz GLA35 AMGCompact$1,772$148
Cadillac XT6Midsize$1,774$148
Infiniti QX60Midsize$1,782$149
Mercedes-Benz AMG GLB35Midsize$1,782$149
Land Rover EvoqueCompact$1,808$151
Acura MDXMidsize$1,810$151
Lexus NX 350Compact$1,814$151
Lexus RX 350Midsize$1,820$152

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Durham, NC Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Durham, NC, with the Acura RDX ranking first at $1,516 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Durham, NC, with the Acura RDX ranking first at $1,516 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Looking for rates for a different model? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Durham car insurance quotes from top auto insurance companies in North Carolina.

Variability and car insurance rates

In an effort to clarify the amount the cost of a car insurance policy can fluctuate for different applicants, the sections below contain detailed car insurance rates for four popular models in Durham: the Toyota Corolla, Nissan Rogue, Toyota Highlander, and Toyota Camry.

The example for each vehicle uses a range of risk profiles to illustrate the potential rate difference based on driver risk profile changes.

Toyota Corolla insurance rates

In Durham, Toyota Corolla insurance averages $1,766 per year, or about $147 per month, and ranges from $1,464 to $4,044 per year.

Average 2024 Toyota Corolla insurance premiums in Durham for different driver ages and risk scenarios.
Figure 4: Average 2024 Toyota Corolla insurance premiums in Durham for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Durham includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Durham, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,044$337
Safe Driver Age 20$3,530$294
At-fault Accidents Age 40$2,504$209
Low Deductibles Age 40$2,266$189
Safe Driver Age 30$1,876$156
Safe Driver Age 40$1,766$147
Safe Driver Age 50$1,572$131
High Deductibles Age 40$1,506$126
Safe Driver Age 60$1,468$122
Discount Rate Age 40$1,464$122

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 26, 2025

The Toyota Corolla is considered a compact car, and other top-selling models from the same segment include the Honda Civic, Volkswagen Jetta, Chevrolet Cruze, and Nissan Sentra.

Nissan Rogue insurance rates

Insurance for a Nissan Rogue in Durham costs an average of $1,628 per year (about $136 per month) and ranges from $1,352 to $3,722 per year.

Average 2024 Nissan Rogue insurance premiums in Durham for different driver ages and risk scenarios.
Figure 5: Average 2024 Nissan Rogue insurance premiums in Durham for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Durham includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Durham, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,722$310
Safe Driver Age 20$3,248$271
At-fault Accidents Age 40$2,306$192
Low Deductibles Age 40$2,094$175
Safe Driver Age 30$1,730$144
Safe Driver Age 40$1,628$136
Safe Driver Age 50$1,450$121
High Deductibles Age 40$1,384$115
Safe Driver Age 60$1,354$113
Discount Rate Age 40$1,352$113

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 27, 2025

The Nissan Rogue is classified as a compact SUV, and other similar models from the same segment include the Ford Escape, Mazda CX-5, Subaru Forester, and Honda CR-V.

Toyota Highlander insurance rates

Insurance for a Toyota Highlander in Durham averages $1,648 per year, or about $137 per month, and ranges from $1,372 to $3,766.

Average 2024 Toyota Highlander insurance premiums in Durham for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Highlander insurance premiums in Durham for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Durham includes all Zip Codes and vehicle trim levels.

2024 Toyota Highlander Insurance Cost in Durham, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,766$314
Safe Driver Age 20$3,302$275
At-fault Accidents Age 40$2,312$193
Low Deductibles Age 40$2,194$183
Safe Driver Age 30$1,764$147
Safe Driver Age 40$1,648$137
Safe Driver Age 50$1,456$121
Discount Rate Age 40$1,372$114
High Deductibles Age 40$1,370$114
Safe Driver Age 60$1,362$114

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Highlander trim levels. Updated June 27, 2025

The Toyota Highlander is classified as a midsize SUV, and other similar models that are popular in Durham, North Carolina, include the Kia Sorento, Honda Pilot, Jeep Grand Cherokee, and Ford Edge.

Toyota Camry insurance rates

Auto insurance for a Toyota Camry in Durham costs an average of $1,946 per year, or around $162 per month, and ranges from $1,616 to $4,476.

Average 2024 Toyota Camry insurance premiums in Durham for different driver ages and risk scenarios.
Figure 7: Average 2024 Toyota Camry insurance premiums in Durham for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Durham includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Durham, NC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,476$373
Safe Driver Age 20$3,922$327
At-fault Accidents Age 40$2,744$229
Low Deductibles Age 40$2,584$215
Safe Driver Age 30$2,080$173
Safe Driver Age 40$1,946$162
Safe Driver Age 50$1,718$143
High Deductibles Age 40$1,618$135
Discount Rate Age 40$1,616$135
Safe Driver Age 60$1,608$134

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 26, 2025

The Toyota Camry is part of the midsize car segment, and other models in the same segment include the Honda Accord, Chevrolet Malibu, and Kia K5.

Best practices for saving money on auto insurance

Durham drivers should always be searching for ways to save money on car insurance, so study the savings concepts in this next list and maybe you can save some money on your next policy.

  • Save money due to your employer. Many auto insurance companies offer discounts for being employed in occupations like lawyers, college professors, firefighters, doctors, members of the military, emergency medical technicians, and others. By qualifying for this profession discount, you may save between $54 and $176 on your annual car insurance cost.
  • Driving violations increase insurance rates. In order to get cheap auto insurance in Durham, it can pay off to be a safe driver. As few as two traffic tickets have the ramification of raising the price of a policy by as much as $482 per year.
  • Stay claim free. Most insurance companies give a discounted rate if you do not file any claims. Car insurance should only be used to protect you from large financial hits, not small claims.
  • Don’t be a careless driver. At-fault accidents increase insurance cost, potentially as much as $2,584 per year for a 20-year-old driver and even $440 per year for a 60-year-old driver. So be a cautious driver and save.
  • Raising physical damage deductibles lowers cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Compare insurance cost before you buy the car. Different models, and even different trim levels of the same model, can have significantly different car insurance rates, and auto insurance companies charge a wide range of costs. Get plenty of quotes to compare the cost of insurance before you buy a different car in order to avoid price shock when you receive your bill.
  • Reduce coverage on older cars. Removing comprehensive and collision coverage from older vehicles that are no longer worth much will reduce the cost of auto insurance considerably.