For felons, one of the largest things that are looked at to determine car insurance rates is where you live in Durham. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.
The illustration below ranks the most expensive areas in North Carolina for felons to purchase auto insurance in. Durham is ranked #5 having an annual price of $789 for the average insurance policy, which is around $66 each month.
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Rate information is comparative as specific Durham zip code can raise or lower premiums noticeably.
The type of vehicle you are seeking coverage for is one of the largest considerations when consumers are trying to find the cheapest auto insurance for felons. Vehicles with lots of horsepower, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than more modest models.
The data below outlines car insurance premiums for a handful of the most cost-effective automobiles to insure in North Carolina.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$980|
|Hyundai Elantra GLS Touring Station Wagon||$990|
|Ford F-150 XL Super Cab 2WD||$1,071|
|Honda Accord LX-P 4-Dr Sedan||$1,100|
|Honda CR-V EX-L 2WD||$1,129|
|Dodge Grand Caravan Hero||$1,154|
|Ford Explorer Eddie Bauer AWD||$1,176|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,191|
|Honda Odyssey EX-L W/Rear Entertainment||$1,216|
|Volkswagen Jetta SE 4-Dr Sedan||$1,238|
|Chevrolet Impala LS||$1,243|
|Kia Optima LX||$1,238|
|GMC Sierra SLE Crew Cab 4WD||$1,246|
|Chevrolet Silverado LTZ Extended Cab 4WD||$1,238|
|Nissan Rogue S AWD||$1,248|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$1,261|
|Toyota Tacoma 2WD||$1,272|
|Chevrolet Malibu LS||$1,301|
|Toyota RAV4 Limited 4WD||$1,311|
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Prices do not factor in specific zip code location which can decrease or increase auto insurance rates greatly.
Based on these rates, makes and models like the Ford Escape, Hyundai Elantra, Ford F-150, Honda Accord, and Honda CR-V should be some of the most affordable vehicles to insure for felons.
Insuring your vehicle with a high-quality insurer can be rather challenging considering how many different companies there are to choose from in North Carolina. The company rank data displayed below can help you pick which providers to look at purchasing from. These ratings are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on North Carolina business are not factored into this list.
Top 10 Major Car Insurance Companies in Durham Ranked by Value
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
- Titan Insurance
Top 10 Major Car Insurance Companies in Durham Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
Drive safe and save
In a perfect world, the best way to maintain good insurance prices in Durham for felons is to drive attentively and avoid getting tickets or having accidents. The example below illustrates how traffic citations and at-fault collisions increase premium costs for each age group. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of a car insurance policy in Durham per year with no accidents and a clean driving record is $1,434. Factor in two speeding tickets and the average cost swells to $1,900, an increase of $466 each year. Then add one accident along with the two speeding tickets and the 12-month cost of insurance for felons jumps again to an average of $2,369. That’s an increase of $935, or $78 per month, just for not driving carefully!
Compare rates to save
Durham, NC insurance rates are based on many factors that can increase the policy price. Simply improving your credit, buying a home, or getting a reckless driving citation can trigger price changes resulting in some rates now being cheaper than competitors. In addition to those changes, insurers amend pricing as often as every quarter to help ensure profitability. Higher than normal claims can cause rate increases, while a better loss history may result in cheaper Durham car insurance rates.
The graph below compares the cheapest car insurance in Durham, NC for a 45-year-old female driver with no violations or accidents, and a high credit rating. When quoting prices based on her current situation, Progressive quotes the cheapest car insurance rates in Durham at $725 annually. This is $147 less than the average policy premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National also make the list of the cheapest Durham, NC auto insurance companies.
In this next rate comparison, we will give the driver from the first example a chargeable accident, less-than-perfect credit, and a few traffic violations. Because each company has a proprietary method to establish rates, comparing insurance quotes could now result in a significantly different list of affordable Durham car insurance companies as shown below.
Titan now has the best auto insurance rate in Durham with State Farm, Auto-Owners, National General, and Allied now being in the top five. This shows why it is crucial to compare rates to find the lowest insurance rates for felons. Insurance prices are determined by many things and can change without notice, so the best option two years ago may now be one of the higher cost companies.
The agencies below are a good start to help you determine which insurance coverage you need, as many consumers aren’t sure which coverage to buy and prefer to get some professional advice when shopping for the best coverage for felons. It’s not always easy to find the cheapest rates, so agents can add satisfaction knowing your policy gives you adequate protection.
To locate a Durham auto insurance agent close to where you live, click the button after the list or click here to compare price quotes now.
3814 N Duke St # A – Durham, NC 27704 – (919) 471-8222
NC Farm Bureau Insurance
2902 S Miami Blvd Ste A – Durham, NC 27703 – (919) 544-4953
Debbie Leonard – State Farm Insurance Agent
3702 Hillsborough Rd #2b – Durham, NC 27705 – (919) 383-3887
Nationwide Insurance: M A Mansour
1209 University Dr – Durham, NC 27705 – (919) 797-0135
Ashley Manuel – State Farm Insurance Agent
5842 Fayetteville Rd #112 – Durham, NC 27713 – (919) 544-8101