One of the many factors that are looked at to help calculate the price you pay for insurance is where you choose to live in Durham. Areas with more people or more claims likely pay more, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The next table rates the most costly cities in North Carolina for 4×4 vehicles to buy auto insurance in. Durham is ranked at #4 with the annual price of $797 for car insurance, which is approximately $66 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Fayetteville | $923 |
| 2 | Jacksonville | $900 |
| 3 | Charlotte | $816 |
| 4 | Durham | $797 |
| 5 | Wilmington | $781 |
| 6 | Gastonia | $779 |
| 7 | Cary | $772 |
| 8 | Goldsboro | $765 |
| 9 | Huntersville | $764 |
| 10 | Greensboro | $763 |
| 11 | Apex | $747 |
| 12 | High Point | $745 |
| 13 | Rocky Mount | $740 |
| 14 | Greenville | $738 |
| 15 | Raleigh | $737 |
| 16 | Indian Trail | $731 |
| 17 | Wilson | $724 |
| 18 | Hickory | $718 |
| 19 | Winston Salem | $716 |
| 20 | Salisbury | $705 |
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Rate information is approximated as specific Durham zip code can increase or decrease coverage rates greatly.
The type of vehicle driven is one of the biggest factors when shopping for the cheapest car insurance for 4×4 vehicles. Vehicles with higher performance, a lack of safety features, or an increased likelihood of liability claims will cost more to insure than more economical and safe models. The table below features car insurance prices for some of the cheaper vehicles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,094 |
| Honda Accord LX 4-Dr Sedan | $1,201 |
| Honda Odyssey LX | $1,203 |
| Dodge Grand Caravan SE | $1,229 |
| Honda CR-V LX 2WD | $1,236 |
| Ford Escape XLT 4WD | $1,269 |
| Chevrolet Impala LS | $1,271 |
| Toyota Prius | $1,335 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,359 |
| Toyota Camry XLE | $1,368 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,392 |
| Toyota RAV4 2WD | $1,418 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,428 |
| Ford Focus SE 4-Dr Sedan | $1,425 |
| Ford Edge SE AWD | $1,435 |
| Ford Explorer Limited AWD | $1,446 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,455 |
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in specific Durham, NC garaging location which can affect coverage prices noticeably.
Looking at the data, cars like the Hyundai Elantra, Honda Accord, and Honda Odyssey are most likely to be some of the most economical vehicles to insure for off-road vehicles.
Bad driving habits will cost you more
A great way to get cheap auto insurance premiums for off-road vehicles is to be a good driver and avoid at-fault accidents and violations. The information below illustrates how speeding tickets and at-fault claims impact insurance rates for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Durham per year with no accidents or violations is $1,227. Receive one speeding ticket and the average cost swells to $1,405, an increase of $178 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for 4×4 vehicles goes up to an average of $2,917. That’s an increase of $1,690, or $141 per month, just for not paying attention while driving!
How to get discounts on Durham insurance
Insurance companies that provide coverage for 4×4 vehicles may have discounts that may potentially lower prices by 40% or more if you meet certain criteria. Popular auto insurance companies and a summarized list of policyholder discounts are included below.
- Progressive may include discounts for online quote discount, good student, homeowner, online signing, and multi-vehicle.
- Farmers Insurance may offer discounts for business and professional, electronic funds transfer, pay in full, bundle discounts, early shopping, alternative fuel, and mature driver.
- Farm Bureau has discounts for multi-vehicle, good student, safe driver, 55 and retired, driver training, youthful driver, and multi-policy.
- State Farm offers premium reductions for driver’s education, accident-free, Drive Safe & Save, good driver, and student away at school.
- GEICO offers discounts for anti-theft, five-year accident-free, good student, defensive driver, driver training, multi-policy, and emergency military deployment.
- SAFECO has savings for homeowner, anti-lock brakes, bundle discounts, safe driver, and teen safety rewards.
- Liberty Mutual includes discounts for multi-policy, newly married, good student, new graduate, preferred payment discount, and new vehicle discount.
The illustration below compares auto insurance costs with and without discounts. The data assumes a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, anti-theft, multiple vehicle, marriage, claim-free, and defensive driving course discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for 4×4 vehicles is 28% or $278.
The illustration below highlights how deductible selection can impact yearly insurance costs when quoting cheap insurance for 4×4 vehicles. The premiums assume a single female driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could lower their policy premium by $304 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $460 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, could save up to $684 or more by using a higher deductible. If you make the decision to raise deductibles, it is necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Why it’s important to shop around
Durham auto insurance rates are based on many factors that may substantially change the price of your policy. Simply turning a year older, marrying your spouse, or getting a few speeding tickets may generate price changes that may make certain companies more affordable than before. In addition, auto insurance companies modify rates as often as every quarter in order to remain profitable. Higher than normal claim frequency or severity can cause high rates, while a better loss history may result in more affordable Durham car insurance rates.
For example, the graph below shows the companies that have the cheapest car insurance in Durham, NC for a 35-year-old male driver with no violations or accidents, and a high credit rating. If we look at prices based on his current risk profile, Progressive might quote the cheapest car insurance rates in Durham at $768 a year. This is $104 less than the average premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, Titan, and NC Farm Bureau are also included in the most affordable Durham, NC auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a claim surcharge, a lower credit rating, and a blemish on his driving record. Since every insurance provider has a unique approach for filing rates in each state, analyzing rates may now show a different ranking of cheap Durham auto insurance companies as shown below.
GEICO now has the lowest car insurance rate in Durham, NC with State Farm, Auto-Owners, Travelers, and Allied now being in the top five. This illustrates why drivers need to shop around with many companies to find the lowest auto insurance rates for 4×4 vehicles. Prices can be altered by many things and change frequently, so the cheapest option two years ago may now be quite expensive.