- Average car insurance cost in Durham is $1,856 per year, or around $155 per month, for a full-coverage policy.
- Car insurance rates for a few popular vehicles in Durham include the Ram Truck at $179 per month, Jeep Cherokee at $167, and Toyota RAV4 at $143.
- For cheap car insurance in Durham, North Carolina, crossover vehicles like the Kia Soul, Chevrolet Trailblazer, Hyundai Venue, and Mazda CX-5 have some of the best auto insurance rates.
- A few vehicles with segment-leading car insurance rates include the Chevrolet Tahoe, Mercedes-Benz CLA250, Chevrolet Colorado, Subaru Crosstrek, and Acura Integra.
- Auto insurance quotes in Durham can vary significantly from as low as $38 per month for the minimum required liability coverage to over $681 per month for teenagers and other high-risk drivers.
How much does car insurance cost in Durham?
The average car insurance cost in Durham is $1,856 per year, which is 20.3% less than the U.S. overall average rate of $2,276 per year. Average car insurance cost per month in Durham is $155 for a full coverage policy.
In the state of North Carolina, the average car insurance cost is $1,866 per year, so the cost in Durham averages $10 less per year. The average cost of insurance in Durham compared to other North Carolina cities is about $6 per year more than in Greensboro, $102 per year more than in Winston-Salem, and $156 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 – $6,609 per year or $551 per month
- 17-year-old rated driver – $6,404 per year or $534 per month
- 18-year-old rated driver – $5,739 per year or $478 per month
- 19-year-old rated driver – $5,227 per year or $436 per month
- 20-year-old rated driver – $3,734 per year or $311 per month
- 30-year-old rated driver – $1,980 per year or $165 per month
- 40-year-old rated driver – $1,856 per year or $155 per month
- 50-year-old rated driver – $1,646 per year or $137 per month
- 60-year-old rated driver – $1,540 per year or $128 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 the chart range from $1,544 per year for a 40-year-old driver with a discount rate policy to $4,270 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 $129 to $356.
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.
Insurance for Durham’s favorite cars, trucks, and SUVs
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.
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 $996 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 $1,878 per year cheaper than for a 20-year-old driver.
- Durham, NC, car insurance cost is less than the U.S. average – $1,856 (Durham average) versus $2,276 (U.S. average)
- Durham auto insurance prices are cheaper than the North Carolina state average – $1,856 (Durham average) versus $1,866 (North Carolina average)
- Insurance rates decrease substantially in your twenties – The average 30-year-old Durham driver will pay $1,754 less annually than a 20-year-old driver, $1,980 compared to $3,734.
- Monthly car insurance cost ranges from $128 to $551 – 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 $126 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 Subaru Outback. 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 $1,612 or less per year, or around $134 per month.
The next table shows the top 50 cheapest vehicles to insure in Durham, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,332 | $111 |
| 2 | Chevrolet Trailblazer | $1,358 | $113 |
| 3 | Kia Soul | $1,408 | $117 |
| 4 | Nissan Kicks | $1,422 | $119 |
| 5 | Honda Passport | $1,434 | $120 |
| 6 | Buick Envision | $1,444 | $120 |
| 7 | Toyota Corolla Cross | $1,456 | $121 |
| 8 | Hyundai Venue | $1,466 | $122 |
| 9 | Mazda CX-5 | $1,470 | $123 |
| 10 | Ford Bronco Sport | $1,480 | $123 |
| 11 | Volkswagen Tiguan | $1,490 | $124 |
| 12 | Acura RDX | $1,506 | $126 |
| 13 | Nissan Murano | $1,516 | $126 |
| 14 | Buick Encore | $1,532 | $128 |
| 15 | Subaru Outback | $1,534 | $128 |
| 16 | Honda CR-V | $1,540 | $128 |
| 17 | Buick Envista | $1,544 | $129 |
| 18 | Volkswagen Taos | $1,546 | $129 |
| 19 | Kia Niro | $1,554 | $130 |
| 20 | Subaru Ascent | $1,566 | $131 |
| 21 | Toyota GR Corolla | $1,566 | $131 |
| 22 | Honda HR-V | $1,570 | $131 |
| 23 | Nissan Leaf | $1,580 | $132 |
| 24 | Chevrolet Colorado | $1,588 | $132 |
| 25 | Lexus NX 250 | $1,594 | $133 |
| 26 | Honda Civic | $1,596 | $133 |
| 27 | Volkswagen Atlas | $1,598 | $133 |
| 28 | Acura Integra | $1,604 | $134 |
| 29 | Subaru Forester | $1,604 | $134 |
| 30 | Volkswagen Atlas Cross Sport | $1,604 | $134 |
| 31 | Kia Seltos | $1,612 | $134 |
| 32 | GMC Terrain | $1,614 | $135 |
| 33 | Nissan Rogue | $1,620 | $135 |
| 34 | Hyundai Kona | $1,624 | $135 |
| 35 | Mazda CX-30 | $1,628 | $136 |
| 36 | Cadillac XT4 | $1,630 | $136 |
| 37 | Volkswagen ID4 | $1,636 | $136 |
| 38 | Ford Explorer | $1,638 | $137 |
| 39 | Toyota Highlander | $1,638 | $137 |
| 40 | Toyota Venza | $1,644 | $137 |
| 41 | Ford Escape | $1,646 | $137 |
| 42 | Honda Odyssey | $1,648 | $137 |
| 43 | Nissan Sentra | $1,656 | $138 |
| 44 | Subaru Impreza | $1,660 | $138 |
| 45 | Chevrolet Equinox | $1,662 | $139 |
| 46 | Toyota RAV4 | $1,664 | $139 |
| 47 | Mazda MX-5 Miata | $1,668 | $139 |
| 48 | Mazda MX-30 | $1,672 | $139 |
| 49 | Hyundai Tucson | $1,676 | $140 |
| 50 | Chevrolet Traverse | $1,684 | $140 |
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 October 24, 2025
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.
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 $1,612 per year for full coverage insurance up to the Toyota Mirai costing $2,310 per year, a difference of $698 within that segment. As another example, in the large luxury SUV segment, rates range from the Infiniti QX80 at $2,080 per year to the Mercedes-Benz G63 AMG at $3,990 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 $142 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 $1,808 per year or less.
Full-coverage car insurance in Durham for this segment for an average middle-age driver can cost as low as $134 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 $1,612 per year, or $134 per month. For midsize cars, the Kia K5 has the cheapest rates at $1,788 per year, or $149 per month. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $1,768 per year, or $147 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 $134 per month and ending with the Mazda 3 at $160 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,612 | $134 |
| Nissan Leaf | Compact | $1,626 | $136 |
| Honda Civic | Compact | $1,642 | $137 |
| Nissan Sentra | Compact | $1,702 | $142 |
| Subaru Impreza | Compact | $1,706 | $142 |
| Toyota Prius | Compact | $1,734 | $145 |
| Kia K5 | Midsize | $1,788 | $149 |
| Honda Accord | Midsize | $1,796 | $150 |
| Chevrolet Malibu | Midsize | $1,802 | $150 |
| Toyota Corolla | Compact | $1,808 | $151 |
| Kia Forte | Compact | $1,812 | $151 |
| Volkswagen Arteon | Midsize | $1,824 | $152 |
| Nissan Versa | Compact | $1,830 | $153 |
| Subaru Legacy | Midsize | $1,832 | $153 |
| Hyundai Ioniq 6 | Midsize | $1,846 | $154 |
| Mitsubishi Mirage G4 | Compact | $1,874 | $156 |
| Toyota Crown | Midsize | $1,878 | $157 |
| Volkswagen Jetta | Compact | $1,880 | $157 |
| Hyundai Sonata | Midsize | $1,882 | $157 |
| Mazda 3 | Compact | $1,920 | $160 |
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 October 24, 2025
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 $1,372 to $1,478 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 $1,522 per year or less.
Ranked lower than 10th place, but still in the top 20, models like the Nissan Murano, Buick Encore, Honda CR-V, Subaru Ascent, and Buick Envista average between $1,522 and $1,618 per year for insurance in Durham.
Car insurance in this segment for an average middle-age driver will start around $114 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 $114 per month and ending with the Subaru Ascent at $135 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,372 | $114 |
| Chevrolet Trailblazer | Compact | $1,396 | $116 |
| Kia Soul | Compact | $1,448 | $121 |
| Nissan Kicks | Compact | $1,462 | $122 |
| Honda Passport | Midsize | $1,478 | $123 |
| Buick Envision | Compact | $1,488 | $124 |
| Toyota Corolla Cross | Compact | $1,496 | $125 |
| Hyundai Venue | Compact | $1,506 | $126 |
| Mazda CX-5 | Compact | $1,516 | $126 |
| Ford Bronco Sport | Compact | $1,522 | $127 |
| Volkswagen Tiguan | Compact | $1,536 | $128 |
| Nissan Murano | Midsize | $1,560 | $130 |
| Buick Encore | Compact | $1,576 | $131 |
| Subaru Outback | Midsize | $1,582 | $132 |
| Honda CR-V | Compact | $1,584 | $132 |
| Buick Envista | Midsize | $1,586 | $132 |
| Volkswagen Taos | Compact | $1,590 | $133 |
| Kia Niro | Compact | $1,598 | $133 |
| Honda HR-V | Compact | $1,614 | $135 |
| Subaru Ascent | Midsize | $1,618 | $135 |
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 October 24, 2025
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 $1,634 per year. Second place is the Nissan Titan costing $1,738 per year, in third place is the Nissan Frontier, at an average of $1,754 per year, and fourth place goes to the Ford Ranger, costing an average of $1,774 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 $1,910 per year or less.
Auto insurance for this segment in Durham for a middle-age safe driver will start around $136 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 $1,634 per year ($136 per month) and ending with the Ram Truck at $2,146 per year ($179 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,634 | $136 |
| Nissan Titan | Full-size | $1,738 | $145 |
| Nissan Frontier | Midsize | $1,754 | $146 |
| Ford Ranger | Midsize | $1,774 | $148 |
| Ford Maverick | Midsize | $1,800 | $150 |
| Honda Ridgeline | Midsize | $1,842 | $154 |
| Hyundai Santa Cruz | Midsize | $1,874 | $156 |
| Toyota Tacoma | Midsize | $1,880 | $157 |
| GMC Sierra 2500 HD | Heavy Duty | $1,888 | $157 |
| GMC Canyon | Midsize | $1,910 | $159 |
| Jeep Gladiator | Midsize | $1,958 | $163 |
| GMC Sierra 3500 | Heavy Duty | $1,966 | $164 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,984 | $165 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,036 | $170 |
| GMC Sierra | Full-size | $2,050 | $171 |
| Chevrolet Silverado | Full-size | $2,052 | $171 |
| Nissan Titan XD | Heavy Duty | $2,052 | $171 |
| Ford F150 | Full-size | $2,078 | $173 |
| GMC Hummer EV Pickup | Full-size | $2,128 | $177 |
| Ram Truck | Full-size | $2,146 | $179 |
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 October 24, 2025
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 $2,082 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 $2,218 per year or less.
On a monthly basis, auto insurance in this segment for the average driver starts at an average of $143 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.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,718 | $143 |
| Toyota GR86 | Sports Car | $1,956 | $163 |
| Ford Mustang | Sports Car | $2,038 | $170 |
| BMW Z4 | Sports Car | $2,050 | $171 |
| Subaru WRX | Sports Car | $2,082 | $174 |
| Toyota GR Supra | Sports Car | $2,084 | $174 |
| BMW M2 | Sports Car | $2,148 | $179 |
| Nissan Z | Sports Car | $2,150 | $179 |
| Lexus RC F | Sports Car | $2,194 | $183 |
| Subaru BRZ | Sports Car | $2,218 | $185 |
| BMW M3 | Sports Car | $2,344 | $195 |
| Porsche 718 | Sports Car | $2,392 | $199 |
| Chevrolet Camaro | Sports Car | $2,412 | $201 |
| Chevrolet Corvette | Sports Car | $2,572 | $214 |
| Porsche 911 | Sports Car | $2,660 | $222 |
| BMW M4 | Sports Car | $2,770 | $231 |
| Lexus LC 500 | Sports Car | $2,786 | $232 |
| Jaguar F-Type | Sports Car | $2,928 | $244 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,072 | $256 |
| Porsche Taycan | Sports Car | $3,144 | $262 |
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 October 24, 2025
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 $1,652 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 $1,950 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 $1,950 and $2,080 per year for auto insurance in Durham.
Full-coverage auto insurance for this segment in Durham for the average driver will start around $138 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 $1,652 per year and ending with the Audi S3 at $2,080 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,652 | $138 |
| BMW 330i | Compact | $1,890 | $158 |
| Mercedes-Benz CLA250 | Midsize | $1,910 | $159 |
| Lexus IS 300 | Midsize | $1,912 | $159 |
| Acura TLX | Compact | $1,920 | $160 |
| Cadillac CT4 | Compact | $1,938 | $162 |
| Lexus ES 350 | Midsize | $1,938 | $162 |
| Genesis G70 | Compact | $1,944 | $162 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,946 | $162 |
| Lexus RC 300 | Midsize | $1,950 | $163 |
| Lexus IS 350 | Compact | $1,958 | $163 |
| Jaguar XF | Midsize | $1,964 | $164 |
| Cadillac CT5 | Midsize | $2,000 | $167 |
| Lexus ES 250 | Midsize | $2,008 | $167 |
| Lexus RC 350 | Compact | $2,012 | $168 |
| BMW 330e | Compact | $2,016 | $168 |
| BMW 228i | Compact | $2,020 | $168 |
| BMW 230i | Compact | $2,036 | $170 |
| Lexus ES 300h | Midsize | $2,038 | $170 |
| Audi S3 | Compact | $2,080 | $173 |
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 October 24, 2025
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 $1,554 per year, Lexus NX 250 at $1,644 per year, Cadillac XT4 at $1,676 per year, and Jaguar E-Pace at $1,736 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 $1,790 per year or less.
Auto insurance rates in Durham for this segment for a middle-age safe driver starts at around $130 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 $1,554 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $1,736 per year. And for full-size luxury models, the Infiniti QX80 has the best rates at $2,080 per year.
The table below ranks the luxury SUVs with the most affordable car insurance in Durham.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,554 | $130 |
| Lexus NX 250 | Compact | $1,644 | $137 |
| Cadillac XT4 | Compact | $1,676 | $140 |
| Jaguar E-Pace | Midsize | $1,736 | $145 |
| Lexus NX 350h | Compact | $1,750 | $146 |
| Cadillac XT5 | Midsize | $1,752 | $146 |
| Lincoln Corsair | Compact | $1,772 | $148 |
| Mercedes-Benz GLB 250 | Compact | $1,776 | $148 |
| Lexus UX 250h | Compact | $1,778 | $148 |
| Lexus NX 450h | Compact | $1,790 | $149 |
| Infiniti QX50 | Midsize | $1,804 | $150 |
| Mercedes-Benz GLA250 | Compact | $1,810 | $151 |
| Cadillac XT6 | Midsize | $1,816 | $151 |
| Mercedes-Benz GLA35 AMG | Compact | $1,816 | $151 |
| Infiniti QX60 | Midsize | $1,828 | $152 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,828 | $152 |
| Acura MDX | Midsize | $1,854 | $155 |
| Land Rover Evoque | Compact | $1,854 | $155 |
| Lexus NX 350 | Compact | $1,860 | $155 |
| Lexus RX 350 | Midsize | $1,864 | $155 |
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 October 24, 2025
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 $1,808 per year, or about $151 per month, and ranges from $1,500 to $4,146 per year.
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 $1,668 per year (about $139 per month) and ranges from $1,386 to $3,810 per year.
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 $1,688 per year, or about $141 per month, and ranges from $1,406 to $3,860.
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 $1,994 per year, or around $166 per month, and ranges from $1,656 to $4,584.
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 $56 and $181 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 $494 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 $2,650 per year for a 20-year-old driver and even $452 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 $382 per year for a 40-year-old driver and $742 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.