For a 40-year-old driver with a clean record, Durham car insurance averages about $154 a month ($1,853 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the North Carolina average of $154 a month. Progressive has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, NC Farm Bureau, Progressive and State Farm), at about $90 a month.
Durham is priced close to the North Carolina average for our benchmark driver and about the same as Raleigh, which averages about $156 a month.
Our data covers seven ZIP codes with a Durham mailing address, from about $146 a month in 27705 and 27713 to $166 in 27701.
Cost data comes from the auto rates insurers file with state regulators, priced across all seven Durham ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Durham averages $1,853 a year, or about $154 a month, for our benchmark driver. Liability-only coverage at 30/60/25 limits averages $643 a year ($54 a month), and 50/100/50 liability with comprehensive and collision averages $1,901 ($158 a month).
Progressive has the lowest full-coverage average among the five insurers in our Durham rate data. Of the six published 2026 statewide North Carolina rate studies we reviewed, the one whose figures are also built from Quadrant rate data ranks Erie Insurance cheapest for full coverage. Four of the other five rank Progressive first, and only one of those five includes Erie. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $32 a month, followed by Progressive at $40.
Full-coverage averages by insurer in Durham
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 30/60/25 (Yearly): | Liability Only 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $485 | $40 | $1,080 | $90 |
| State Farm | $387 | $32 | $1,116 | $93 |
| GEICO | $635 | $53 | $1,898 | $158 |
| NC Farm Bureau | $622 | $52 | $1,913 | $159 |
| Allstate | $1,087 | $91 | $3,260 | $272 |
| Erie Insurance* | $478 | $40 | $803 | $67 |
| Nationwide* | $638 | $53 | $1,708 | $142 |
| Farmers* | $825 | $69 | $1,872 | $156 |
| Penn National* | $637 | $53 | $1,876 | $156 |
| Utica National* | $1,052 | $88 | $2,337 | $195 |
| Durham average | $643 | $54 | $1,853 | $154 |
This table uses Durham ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the seven Durham ZIP codes we price, full coverage for our driver ranges from about $146 a month in 27705 and 27713 to $166 in 27701, a gap of $239 a year. 27705 and 27707, west and southwest of downtown, and 27713, in south Durham, are the least expensive in our data, and 27701, 27703 and 27704 the most expensive.
Lowest-priced Durham ZIP codes
Highest-priced Durham ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Durham’s average.
| ZIP Code: | Liability Only 30/60/25 (Yearly): | Liability Only 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 27701 | $695 | $58 | $1,986 | $166 | +8% |
| 27703 | $689 | $57 | $1,952 | $163 | +6% |
| 27704 | $682 | $57 | $1,952 | $163 | +6% |
| 27705 | $611 | $51 | $1,751 | $146 | -5% |
| 27707 | $619 | $52 | $1,767 | $147 | -5% |
| 27712 | $589 | $49 | $1,819 | $152 | -1% |
| 27713 | $617 | $51 | $1,747 | $146 | -5% |
Your ZIP code matters
Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 in our Durham data: $1,853 a year compared with $1,901, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and GEICO charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the same insurers in the same Durham ZIP codes, full coverage averaged $1,950 a year nine months earlier and $1,853 in rates as of Aug. 31, 2026, a 5.0% drop. In Durham, average rates fell 7.6% at Allstate, 4.8% at Progressive, 4.6% at State Farm, 2.8% at GEICO and 2.7% at NC Farm Bureau. Liability-only coverage at 30/60/25 limits fell 8.3%, led by State Farm, which cut its liability-only average 10.6%.
Durham County averages about $154 a month for full coverage, the 42nd-most expensive of the 93 North Carolina counties we price.
Chapel Hill, in Orange County, averages about $145 a month. Where you live is one of the factors North Carolina insurers use, so neighboring cities can be priced differently.
More North Carolina cities and towns are in the North Carolina rates by city table, and you can compare states on our car insurance rates by state page.
Raleigh, about 20 miles southeast, averages $156 a month, and Cary, about 17 miles southeast, $146.
Drivers in Durham follow North Carolina’s rules. Policies issued or renewed on or after July 1, 2025, must include at least:
Our North Carolina requirements guide covers the details and what happens if your coverage lapses.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from North Carolina law and the North Carolina Department of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Durham averages about $154 a month ($1,853 a year) and liability-only coverage at 30/60/25 limits about $54 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the North Carolina average of $154 a month.
Progressive has the lowest full-coverage average in our Durham rate data, at about $90 a month, with State Farm close behind at $93. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average, at about $32 a month. The one published 2026 North Carolina study we reviewed whose figures are also built from Quadrant rate data ranks Erie Insurance cheapest for full coverage, while most of the others, which mostly don’t include Erie, rank Progressive first. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: Durham full coverage averages about $154 a month and Raleigh about $156.
In our data, 27705 and 27713 share the lowest full-coverage average in Durham, at about $146 a month, and 27701 the highest, at about $166. The ZIP code table on this page lists all seven.
In our Durham data, full coverage (100/300/100 with $500 deductibles) averages about $154 a month and liability-only coverage at 30/60/25 limits about $54, a difference of about $100 a month ($1,210 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. North Carolina law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Durham full coverage fell 5.0% over the past nine months, from about $1,950 to $1,853 a year. Allstate cut its Durham average 7.6%, Progressive 4.8%, State Farm 4.6%, GEICO 2.8% and NC Farm Bureau 2.7%. Liability-only coverage at 30/60/25 limits fell 8.3%.
For our benchmark driver, full coverage in Durham averages about $154 a month. Nearby, Cary averages about $146, Raleigh about $156 and Greensboro about $159. Cary is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
