Who Has the Cheapest Durham Car Insurance Rates for Single Moms?

For single parents, one of the big components that help determine insurance cost is your address. Regions with more people or even just more weather-related claims are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower rates.

The information below ranks the priciest cities in North Carolina for single moms in which to buy car insurance. Durham shows up at #5 with an annual premium of $789 for the average insured, which is around $66 each month.

How much is car insurance in Durham?
Rank City Annual Premium
1 Fayetteville $923
2 Jacksonville $873
3 Charlotte $832
4 Gastonia $811
5 Durham $789
6 Cary $772
7 Raleigh $760
8 Wilmington $758
9 Huntersville $756
10 Greensboro $756
11 High Point $745
12 Goldsboro $743
13 Rocky Mount $740
14 Apex $739
15 Greenville $730
16 Wilson $724
17 Indian Trail $723
18 Hickory $711
19 Winston Salem $709
20 Chapel Hill $703
21 Concord $697
22 Kannapolis $697
23 Salisbury $691
24 Asheville $687
25 Burlington $678
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Price information shown is estimated as the specific garaging location can modify auto insurance rates considerably.

Finding decent, budget insurance is tough enough, and figuring out which company has the best auto insurance rates for single moms will require even more rate comparisons. Every insurance provider has a unique approach for establishing rates, so let’s take a look at the most affordable auto insurance companies in Durham, NC.

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North Carolina car insurance ranked by cost per year
Rank Company Cost Per Year
1 Utica National $655
2 Progressive $658
3 GEICO $720
4 Liberty Mutual $728
5 NC Farm Bureau $737
6 Titan $737
7 Penn National $747
8 State Farm $772
9 Auto-Owners $852
10 National General $890
11 Erie $904
12 Allied $919
13 Travelers $936
14 Peerless $972
15 MetLife $1,007
16 Nationwide $1,011
17 Unitrin $1,012
18 Encompass $1,031
19 Safeco $1,076
20 Allstate $1,086
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Utica National offers some of the most affordable car insurance rates in Durham at around $655 a year. This is $217 less than the average premium paid by North Carolina drivers of $872. Progressive, GEICO, Liberty Mutual, and NC Farm Bureau are also some of the cheapest Durham, NC car insurance companies.

In this example, if you are a policyholder with NC Farm Bureau and switched to Progressive, you may realize yearly savings of upwards of $79. Insureds with Titan might save as much as $79 a year, and Penn National policyholders might lower prices by up to $89 a year.

Be aware that those rates are averaged for all drivers and vehicles and and are not calculated with a specific zip code for single moms. So the insurer that has the lowest price for you may not even be in the top 20 companies shown above. That is why you need to get auto insurance quotes using your own specific driver and vehicle information.

The vehicle model you are insuring is a large consideration that determines whether or not you can buy low-priced auto insurance for single moms. Vehicles with limited speed and performance, modern passenger safety features, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models.

The next list estimates car insurance costs for the most budget-friendly vehicles to insure in North Carolina.

Cheapest Vehicles to Insure in Durham, NC
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,078
Ford F-150 FX2 Super Cab 2WD $1,212
Volkswagen Jetta SE 2.5 Station Wagon $1,259
Honda CR-V EX-L 2WD $1,264
GMC Sierra SLE Regular Cab 2WD $1,278
Honda Civic LX-S 4-Dr Sedan $1,318
Honda Accord EX-L 4-Dr Sedan $1,339
Chevrolet Silverado LS Crew Cab 4WD $1,368
Hyundai Sonata GLS 4-Dr Sedan $1,370
Ford Explorer Eddie Bauer 2WD $1,386
Toyota Tacoma 2WD $1,436
Kia Optima EX $1,460
Toyota RAV4 Limited 2WD $1,462
Toyota Prius $1,471
Dodge Grand Caravan SE $1,483
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in your specific Durham, NC location which can increase or decrease coverage prices significantly.

Based upon these rates, vehicles like the Ford Escape, Ford F-150, and Volkswagen Jetta are going to be some of the more affordable vehicles to insure for single parents.

Violations and accidents raise rates

The obvious way to find the cheapest auto insurance premiums in Durham for single parents is to drive safe and avoid accidents and violations. The diagram below highlights how traffic violations and accident claims can affect insurance costs for each different age category. The data is based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

The data above shows the average cost of car insurance in Durham per year with no accidents and a clean driving record is $810. Get two speeding tickets and the average cost swells to $1,140, an increase of $330 each year. Now include one accident along with the two speeding tickets and the yearly cost of auto insurance for single moms goes up to an average of $1,475. That’s an increase of $665, or $55 per month, just for not driving responsibly!

Choosing the best auto insurance provider is difficult considering how many companies provide coverage in Durham. The company information in the next section can help you analyze which coverage providers you want to consider to insure your vehicles. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not factored into the list.

Top 10 Large Car Insurance Companies in Durham Ranked by Value

  1. Travelers
  2. American Family
  3. AAA Insurance
  4. Safeco Insurance
  5. Progressive
  6. The Hartford
  7. The General
  8. 21st Century
  9. Esurance
  10. Titan Insurance

Top 10 Large Car Insurance Companies in Durham Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

Tips to find more affordable insurance for single moms

It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help you buy low-cost car insurance.

The final tip is incredibly crucial, as was pointed out in the prior information. Car insurance rates fluctuate constantly, so don’t hesitate to buy from a new company if a more affordable price is available.

Brand loyalty is great, but it’s not a good idea if that devotion results in you overpaying lots of hard earned cash every month. Spend a few minutes and compare rates to find cheaper car insurance for single moms in Durham.