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Cheap Car Insurance in Durham, North Carolina

Want to learn more about Durham and how to get cheap car insurance? Well, only a half-hour northwest of Raleigh, the City of Durham has an estimated 252,000 residents. It is home to Duke University and Duke Medical Center, two of its major employers. The city is only 23 miles from the Virginia border, and lies in the corner of North Carolina’s Central Piedmont, a foothills region between mountains and coastal plains.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Durham. Get your free customized auto insurance quote today!

Driving Conditions in Durham

Durham is served by Interstate 40, which takes commuters straight into Raleigh, as well as Interstate 85, which heads northward into Virginia. North Caroline Highway 147 connects Duke University, downtown and Research Triangle Park, and the section north of Interstate 40 is known as the Durham Freeway. The city’s visitors’ bureau warns that road names and numbers sometimes change on what appears to be the same road. Even more confusing: Roads may be referred to by a number, a name and by a “memorial name.”

Durham is considered part of the greater Raleigh metro area, where the average commute time is close to the national average of 25.2 minutes, according to Census Bureau data. Travel and traffic information can be accessed at

Unique Laws in Durham

Teen-aged drivers may use cellphones – but only when talking to a parent, spouse or on an emergency call. Happy hours are prohibited in North Carolina except for food specials. In more odd-sounding laws, it is illegal to Rollerblade on state highways or drive on sidewalks in North Carolina.

Durham Crime Statistics

The vehicle theft rate in the greater Durham-Chapel Hill metro was 173 reports per 100,000 people in 2015, or 958 cases, according to numbers from the National Insurance Crime Bureau. The national average for that year is 220 incidents per 100,000. The Durham car theft rate is higher than neighboring Raleigh, where the rate was just under 120 incidents per 100,000 the same year.

Durham Safety Requirements

North Carolina mandates drivers and all passengers wear seat belts. Children under age 16 must ride in an appropriate restraint – seatbelt for those age 8 or over 80 pounds, or a car seat or booster seat, according to the North Carolina Department of Transportation. For more safety restraint information, visit Drivers under 18 are prohibited from talking on a cellphone while driving unless it is an emergency, or when talking to a parent or spouse.

Durham Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 percent or higher are charged with driving under the influence, according to the North Carolina Department of Transportation. If convicted, first offenders face a minimum punishment of up to $200 in fines and jail time from 24 hours to 30 days. A person convicted of DWI will have his or her license suspended for at least one year.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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