Car Insurance Cost in Durham, NC – Averages (2022) + 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 $940 per year, which is 40% less than the U.S. overall average rate of $1,567 per year. Average car insurance cost per month in Durham is $78 for a full coverage policy.

In the state of North Carolina, the average car insurance cost is $966 per year, so the cost in Durham averages $26 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, $100 per year more than in Winston-Salem, and $148 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 – $3,362 per year or $280 per month
  • 17-year-old rated driver – $3,140 per year or $262 per month
  • 18-year-old rated driver – $2,930 per year or $244 per month
  • 19-year-old rated driver – $2,652 per year or $221 per month
  • 20-year-old rated driver – $1,862 per year or $155 per month
  • 30-year-old rated driver – $988 per year or $82 per month
  • 40-year-old rated driver – $940 per year or $78 per month
  • 50-year-old rated driver – $856 per year or $71 per month
  • 60-year-old rated driver – $838 per year or $70 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 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. Physical damage 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.Data last updated on June 23, 2022
Durham, NC Car Insurance Cost Summary
Average Car Insurance Cost in Durham, NC
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$2,124$177
Safe Driver Age 20$1,862$155
At-fault Accidents Age 40$1,324$110
Low Deductibles Age 40$1,220$102
Safe Driver Age 30$988$82
Safe Driver Age 40$940$78
Safe Driver Age 50$856$71
Safe Driver Age 60$838$70
High Deductibles Age 40$794$66
Discount Rate Age 40$782$65

Average car insurance rates in the chart range from $782 per year for a 40-year-old driver with a discount rate policy to $2,124 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 $65 to $177.

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 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Durham car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Durham Zip Codes.Data last updated on June 23, 2022
Durham, North Carolina Car Insurance Rates for Popular Vehicles
Durham, North Carolina Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Mazda CX-5$716$60
Subaru Forester$816$68
Honda CR-V$824$69
Honda HR-V$844$70
Ford Explorer$884$74
Toyota RAV4$888$74
Ford F150$910$76
Nissan Sentra$916$76
Nissan Rogue$920$77
Ford Escape$922$77
Toyota Corolla$924$77
Toyota Camry$926$77
Honda Civic$932$78
Hyundai Santa Fe$980$82
Ford Mustang$990$83
Chevrolet Silverado$1,010$84
Jeep Cherokee$1,044$87
Ram Truck$1,072$89
Chevrolet Corvette$1,184$99

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 $900 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 $1,686 per year cheaper than for a 20-year-old driver.
  • Durham, NC, car insurance cost is less than the U.S. average – $940 (Durham average) versus $1,567 (U.S. average)
  • Durham auto insurance prices are cheaper than the North Carolina state average – $940 (Durham average) versus $966 (North Carolina average)
  • Insurance rates decrease substantially in your twenties – The average 30-year-old Durham driver will pay $1,596 less annually than a 20-year-old driver, $1,804 compared to $3,400.
  • Monthly car insurance cost ranges from $128 to $512 – 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 Chevrolet Trailblazer, Mazda CX-5, Buick Encore, and Nissan Rogue Sport.

Average car insurance prices for those small SUVs cost $66 or less per month to get full coverage.

A few other vehicles that rank very well in our auto insurance cost comparison are the Hyundai Venue, Mazda MX-5 Miata, Hyundai Kona, and Toyota Corolla Cross. 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 $818 or less per year, or around $68 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 Cost Monthly Cost
1Mazda CX-5$716$60
2Nissan Kicks$734$61
3Chevrolet Trailblazer$738$62
4Subaru Crosstrek$754$63
5Honda Passport$756$63
6Chevrolet Colorado$772$64
7Toyota C-HR$774$65
8Buick Encore$778$65
9Nissan Rogue Sport$786$66
10Hyundai Venue$796$66
11Buick Envision$800$67
12Kia Seltos$802$67
13Ford Maverick$804$67
14Acura RDX$806$67
15Subaru Ascent$808$67
16Toyota Corolla Cross$808$67
17Hyundai Kona$812$68
18Mazda MX-5 Miata$814$68
19Subaru Forester$816$68
20Subaru Impreza$816$68
21Chevrolet Spark$818$68
22Volkswagen Tiguan$818$68
23Honda CR-V$824$69
24Cadillac XT4$826$69
25Mazda CX-30$832$69
26Ford Ranger$834$70
27Honda HR-V$844$70
28Ford Edge$848$71
29Ford Ecosport$850$71
30Chevrolet Trax$860$72
31Subaru Outback$862$72
32Acura ILX$866$72
33GMC Terrain$866$72
34Mitsubishi Eclipse Cross$870$73
35Hyundai Tucson$872$73
36Chevrolet Bolt$874$73
37Nissan Murano$874$73
38Toyota Tacoma$874$73
39Chevrolet Equinox$876$73
40Honda Odyssey$878$73
41Toyota Venza$880$73
42Volkswagen Taos$880$73
43Fiat 500X$882$74
44Ford Explorer$884$74
45Kia Soul$888$74
46Toyota RAV4$888$74
47Kia Sorento$892$74
48Nissan Frontier$896$75
49Hyundai Palisade$902$75
50Hyundai Santa Cruz$902$75

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Durham, NC.Data last updated on June 23, 2022
    Top 50 Cheapest Automobiles to Insure in Durham, North Carolina

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Durham car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Durham Zip Codes.Data last updated on June 23, 2022
    Durham, NC, Auto Insurance Rates by Vehicle Segment
    Durham Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$876$73
    Midsize Pickup$900$75
    Minivan$946$79
    Midsize SUV$950$79
    Compact Car$966$81
    Midsize Car$976$81
    Half-ton Pickup$1,022$85
    Compact Luxury SUV$1,056$88
    Large SUV$1,058$88
    Compact Luxury Car$1,064$89
    Large Car$1,086$91
    Heavy Duty Pickup$1,120$93
    Midsize Luxury SUV$1,134$95
    Midsize Luxury Car$1,240$103
    Sports Car$1,326$111
    Large Luxury SUV$1,418$118
    Large Luxury Car$1,486$124

    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 Subaru Impreza costing $816 per year for full coverage insurance up to the Toyota Mirai costing $1,212 per year, a difference of $396 within that segment. As another example, in the large luxury SUV segment, rates range from the Volvo XC90 at $1,020 per year to the Mercedes-Benz Maybach GLS 600 at $1,860 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 Volkswagen Jetta, Volkswagen Golf, Chevrolet Spark, Subaru Legacy, and Subaru Impreza. Insurance rates for these 2022 models average $76 or less per month.

    Other cars that are affordable to insure include the Honda Insight, Kia K5, Nissan Sentra, and Toyota Corolla, with average cost of $926 per year or less.

    Full-coverage car insurance in Durham for this segment for an average middle-age driver can cost as low as $68 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 Subaru Impreza at $816 per year, or $68 per month. For midsize cars, the Subaru Legacy has the cheapest rates at $912 per year, or $76 per month. And for large cars, the Toyota Avalon has the cheapest car insurance rates at $984 per year, or $82 per month.

    The comparison table below ranks the twenty cars with the lowest-cost auto insurance rates in Durham, starting with the Subaru Impreza at $68 per month and ending with the Chevrolet Malibu at $81 per month.

    Cheapest Cars to Insure in Durham, North Carolina
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$816$68
    Chevrolet SparkCompact$818$68
    Volkswagen GolfCompact$902$75
    Honda InsightMidsize$912$76
    Subaru LegacyMidsize$912$76
    Volkswagen JettaCompact$912$76
    Nissan SentraCompact$916$76
    Kia K5Midsize$922$77
    Toyota CorollaCompact$924$77
    Kia RioCompact$926$77
    Toyota CamryMidsize$926$77
    Volkswagen PassatMidsize$930$78
    Honda CivicCompact$932$78
    Mazda 3Compact$934$78
    Mazda 6Midsize$934$78
    Toyota PriusCompact$940$78
    Hyundai AccentCompact$952$79
    Hyundai VelosterCompact$960$80
    Kia ForteCompact$962$80
    Chevrolet MalibuMidsize$974$81

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Durham, NC.Data last updated on June 23, 2022
      Cheapest Cars to Insure in Durham, North Carolina

      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 Mazda CX-5, Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Subaru Crosstrek. Auto insurance rates for these models range from $716 to $754 per year.

      Some other SUVs that rank well in our comparison are the Toyota C-HR, Nissan Rogue Sport, Buick Encore, and Hyundai Venue, with an average car insurance cost of $800 per year or less.

      Ranked lower than 10th place, but still in the top 20, models like the Subaru Ascent, Toyota Corolla Cross, Subaru Forester, Ford Edge, and Volkswagen Tiguan average between $800 and $848 per year for insurance in Durham.

      Car insurance in this segment for an average middle-age driver will start around $60 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 Mazda CX-5 at $60 per month and ending with the Ford Edge at $71 per month.

      Cheapest SUVs to Insure in Durham, North Carolina
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$716$60
      Nissan KicksCompact$734$61
      Chevrolet TrailblazerCompact$738$62
      Subaru CrosstrekCompact$754$63
      Honda PassportMidsize$756$63
      Toyota C-HRCompact$774$65
      Buick EncoreCompact$778$65
      Nissan Rogue SportCompact$786$66
      Hyundai VenueCompact$796$66
      Buick EnvisionCompact$800$67
      Kia SeltosCompact$802$67
      Subaru AscentMidsize$808$67
      Toyota Corolla CrossCompact$808$67
      Hyundai KonaCompact$812$68
      Subaru ForesterCompact$816$68
      Volkswagen TiguanCompact$818$68
      Honda CR-VCompact$824$69
      Mazda CX-30Compact$832$69
      Honda HR-VCompact$844$70
      Ford EdgeMidsize$848$71

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Durham, NC.Data last updated on June 23, 2022
        Cheapest SUVs to Insure in Durham, North Carolina

        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 $772 per year. Second place is the Ford Maverick costing $804 per year, in third place is the Ford Ranger, at an average of $834 per year, and fourth place goes to the Toyota Tacoma, costing an average of $874 per year.

        Other models that have affordable average insurance rates are the Honda Ridgeline, Hyundai Santa Cruz, Jeep Gladiator, and GMC Canyon, with average rates of $924 per year or less.

        Auto insurance for this segment in Durham for a middle-age safe driver will start around $64 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 $772 per year ($64 per month) and ending with the GMC Sierra 3500 at $1,104 per year ($92 per month).

        Cheapest Pickups to Insure in Durham, North Carolina
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$772$64
        Ford MaverickMidsize$804$67
        Ford RangerMidsize$834$70
        Toyota TacomaMidsize$874$73
        Nissan FrontierMidsize$896$75
        Hyundai Santa CruzMidsize$902$75
        GMC CanyonMidsize$904$75
        Ford F150Full-size$910$76
        Honda RidgelineMidsize$918$77
        Jeep GladiatorMidsize$924$77
        GMC SierraFull-size$956$80
        Nissan TitanFull-size$990$83
        Toyota TundraFull-size$1,008$84
        Chevrolet SilveradoFull-size$1,010$84
        Ford F350 Super DutyHeavy Duty$1,020$85
        Chevrolet Silverado HD 3500Heavy Duty$1,028$86
        Nissan Titan XDHeavy Duty$1,056$88
        Ram TruckFull-size$1,072$89
        GMC Sierra 2500 HDHeavy Duty$1,096$91
        GMC Sierra 3500Heavy Duty$1,104$92

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Durham, NC.Data last updated on June 23, 2022
          Cheapest Pickups to Insure in Durham, North Carolina

          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 Subaru WRX, Toyota GR86, BMW Z4, Ford Mustang, and Mazda MX-5 Miata. Insurance rates for these 2022 models average $1,096 or less per year.

          Some other sports cars that have cheaper rates include the Chevrolet Corvette, BMW M3, Audi TT, and Toyota GR Supra, with average annual insurance rates of $1,214 per year or less.

          On a monthly basis, auto insurance in this segment for the average driver starts at an average of $68 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/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$814$68
          Ford MustangSports Car$990$83
          BMW Z4Sports Car$1,012$84
          Subaru WRXSports Car$1,068$89
          Toyota GR86Sports Car$1,096$91
          Toyota GR SupraSports Car$1,118$93
          Audi TTSports Car$1,144$95
          Subaru BRZSports Car$1,178$98
          Chevrolet CorvetteSports Car$1,184$99
          BMW M3Sports Car$1,214$101
          Porsche 718Sports Car$1,270$106
          Chevrolet CamaroSports Car$1,302$109
          Lexus RC FSports Car$1,332$111
          Dodge ChallengerSports Car$1,338$112
          Mercedes-Benz AMG GT53Sports Car$1,358$113
          Jaguar F-TypeSports Car$1,418$118
          Porsche TaycanSports Car$1,458$122
          Porsche 911Sports Car$1,492$124
          BMW M4Sports Car$1,496$125
          Lexus LC 500Sports Car$1,548$129

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Durham, NC.Data last updated on June 23, 2022
            Cheapest Sports Cars to Insure in Durham, North Carolina

            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 ILX ranks #1 as the lowest-cost luxury car to insure in Durham, followed by the Mercedes-Benz A220, BMW 330i, Acura TLX, and Volvo S60. The 2022 model costs an average of $866 per year for a full-coverage insurance policy.

            Additional models that rank well in our comparison are the Alfa Romeo Giulia, Lexus RC 300, BMW 230i, and BMW 228i, with an average cost of $1,044 per year or less.

            Ranked lower than 10th place, but still in the top 20, models like the Cadillac CT5, BMW i4, Mercedes-Benz AMG CLA35, Genesis G70, and Audi A3 average between $1,044 and $1,094 per year for auto insurance in Durham.

            Full-coverage auto insurance for this segment in Durham for the average driver will start around $72 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 ILX at $866 per year and ending with the Audi S3 at $1,094 per year.

            Cheapest Luxury Cars to Insure in Durham, North Carolina
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$866$72
            Mercedes-Benz A220Compact$924$77
            BMW 330iCompact$994$83
            Acura TLXCompact$996$83
            Volvo S60Compact$1,010$84
            BMW 330eCompact$1,012$84
            BMW 228iCompact$1,018$85
            BMW 230iCompact$1,026$86
            Lexus RC 300Midsize$1,040$87
            Cadillac CT4Compact$1,042$87
            Alfa Romeo GiuliaCompact$1,044$87
            Lexus RC 350Compact$1,046$87
            Genesis G70Compact$1,058$88
            Mercedes-Benz AMG CLA35Midsize$1,068$89
            BMW i4Midsize$1,074$90
            Cadillac CT5Midsize$1,074$90
            Audi A3Midsize$1,084$90
            Audi A4Compact$1,086$91
            Mercedes-Benz AMG CLA45Midsize$1,092$91
            Audi S3Compact$1,094$91

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Durham, NC.Data last updated on June 23, 2022
              Cheapest Luxury Cars to Insure in Durham, North Carolina

              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 $806 per year, Cadillac XT4 at $826 per year, Volvo XC40 at $906 per year, and Cadillac XT5 at $924 per year.

              Other luxury SUVs that have cheaper rates include the BMW X1, Lexus UX 200, Lexus NX 350h, and Lexus UX 250h, with an average car insurance cost of $960 per year or less.

              Auto insurance rates in Durham for this segment for a middle-age safe driver starts at around $67 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 $806 per year. For midsize luxury SUVs, the Cadillac XT5 has the cheapest rates at $924 per year. And for full-size luxury models, the Volvo XC90 has the best rates at $1,020 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/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$806$67
              Cadillac XT4Compact$826$69
              Volvo XC40Compact$906$76
              Cadillac XT5Midsize$924$77
              Lexus NX 250Compact$936$78
              BMW X1Compact$938$78
              Lexus UX 250hCompact$942$79
              Lexus NX 350hCompact$944$79
              Lexus NX 350Compact$960$80
              Lexus UX 200Compact$960$80
              Jaguar E-PaceMidsize$966$81
              Lexus RX 350Midsize$968$81
              Acura MDXMidsize$974$81
              Lincoln NautilusMidsize$982$82
              Lexus NX 450hCompact$984$82
              Mercedes-Benz GLB 250Compact$986$82
              Lexus RX 450hMidsize$990$83
              Land Rover EvoqueCompact$994$83
              Infiniti QX50Midsize$996$83
              Lincoln CorsairCompact$996$83

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Durham, NC.Data last updated on June 23, 2022
                Cheapest Luxury SUVs to Insure in Durham, North Carolina

                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 $924 per year, or about $77 per month, and ranges from $768 to $2,066 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Toyota Corolla Insurance Cost in Durham, North Carolina
                Toyota Corolla Insurance Cost in Durham, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,066$172
                Safe Driver Age 20$1,812$151
                At-fault Accidents Age 40$1,308$109
                Low Deductibles Age 40$1,146$96
                Safe Driver Age 30$958$80
                Safe Driver Age 40$924$77
                Safe Driver Age 50$842$70
                Safe Driver Age 60$824$69
                High Deductibles Age 40$806$67
                Discount Rate Age 40$768$64

                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 $920 per year (about $77 per month) and ranges from $764 to $2,086 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Nissan Rogue Insurance Cost in Durham, North Carolina
                Nissan Rogue Insurance Cost in Durham, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,086$174
                Safe Driver Age 20$1,828$152
                At-fault Accidents Age 40$1,302$109
                Low Deductibles Age 40$1,186$99
                Safe Driver Age 30$966$81
                Safe Driver Age 40$920$77
                Safe Driver Age 50$838$70
                Safe Driver Age 60$822$69
                High Deductibles Age 40$780$65
                Discount Rate Age 40$764$64

                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 $946 per year, or about $79 per month, and ranges from $786 to $2,156.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Toyota Highlander Insurance Cost in Durham, North Carolina
                Toyota Highlander Insurance Cost in Durham, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,156$180
                Safe Driver Age 20$1,886$157
                At-fault Accidents Age 40$1,332$111
                Low Deductibles Age 40$1,250$104
                Safe Driver Age 30$1,002$84
                Safe Driver Age 40$946$79
                Safe Driver Age 50$862$72
                Safe Driver Age 60$846$71
                High Deductibles Age 40$790$66
                Discount Rate Age 40$786$66

                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 $926 per year, or around $77 per month, and ranges from $768 to $2,090.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on June 23, 2022
                Toyota Camry Insurance Cost in Durham, NC
                Toyota Camry Insurance Cost in Durham, NC
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$2,090$174
                Safe Driver Age 20$1,832$153
                At-fault Accidents Age 40$1,300$108
                Low Deductibles Age 40$1,210$101
                Safe Driver Age 30$976$81
                Safe Driver Age 40$926$77
                Safe Driver Age 50$842$70
                Safe Driver Age 60$826$69
                High Deductibles Age 40$778$65
                Discount Rate Age 40$768$64

                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 $28 and $98 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 $244 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 $1,306 per year for a 20-year-old driver and even $284 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 $236 per year for a 40-year-old driver and $456 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.