Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Durham

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Durham Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

140Reviewed

89Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3308 Durham Chapel Hill Blvd Ste 132, Durham, NC 27707

Expertise.com Rating

Review Sources

Google
5.0 (27)

Why choose this provider?

Imperial Insurance and Financial Solutions is an independent insurance agency in Durham, North Carolina, that has more than seven years of experience providing local drivers with customized auto insurance policies. Through its various partners, the agency offers car and truck owners policies with liability, property damage, and uninsured motorist coverage. Additionally, clients can add comprehensive coverage to protect against losses due to vandalism and fires. Imperial Insurance and Financial Solutions also offers commercial, disability, and health insurance.

150 Providence Rd Ste 100A, Chapel Hill, NC 27514

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (7)

Why choose this provider?

Chan Wright Insurance Agency is located in Chapel Hill, North Carolina, and provides automobile insurance throughout the Durham metro area. As an independent auto insurance agent, it can provide its customers with a variety of quotes for coverage to fit their specific needs in the event of a vehicle accident. Clients praise its prompt customer services and competitive rates. Chan Wright Insurance Agency also offers its customers home, business, and life insurance policies.

5417 S Miami Blvd, Durham, NC 27703

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Based in Durham, North Carolina, First Insurance Services is an independent insurance agency serving personal and business clients. The agency's portfolio of products includes auto insurance for individuals, families, and businesses. It works with its many insurance partners to find the policy that meets the needs and budget of its clients and ensures they are fully covered legally. Recommended coverage typically includes collision and comprehensive insurance to cover the cost if the vehicle needs to be repaired or replaced.

2530 Meridian Pkwy Ste 300, Durham, NC 27713

Expertise.com Rating

Review Sources

Google
4.9 (34)
Facebook
5.0 (6)
Yelp
3.5 (5)

Why choose this provider?

Triangle Insurance Alliance is an insurance services provider based in Durham, North Carolina. The company offers auto insurance for private and commercial motorists and is willing to work with those who have DUI/DWI records, tickets, recent claims, or lapsed coverage. Most policies run for six months or one year. Discounts are available for students, good drivers, and multiple policy holders. Triangle Insurance Alliance also offers home, life, and commercial insurance.

2144 Page Rd Ste 106, Durham, NC 27703
WebsiteLicense: 1000007717

Expertise.com Rating

Review Sources

Google
4.3 (15)

Why choose this provider?

First Pioneer Insurance Agency, Inc., is a firm that serves the Durham community and its neighboring areas. Its team of agents assists clients in selecting a car insurance policy that matches their coverage needs, such as bodily injury liability, under-insured liability, property damage, and collision coverage. The agency also offer commercial insurance products for restaurants, businesses, and churches. First Pioneer Insurance Agency, Inc., works with many insurance carriers, such as Builders Mutual Insurance and The Colonial Group.

  • Multiple Carriers

4819 Emperor Blvd Ste 400, Durham, NC 27703
WebsiteLicense: 19054204

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Yelp
4.0 (1)

Why choose this provider?

Bull City Insurance serves individuals and businesses throughout Durham and its surrounding communities. It offers insurance policies with coverage for cars, auto hauler, towing, repossession, and trucking. Other products include home, business, workers' compensation, and farm, ranch, and equine insurance. The company also assists with surety bonds. As an independent agency, the company has access to a wide range of insurance products, helping clients identify the policies that suit them best and their specific needs.

  • Bundling Option

1431 Broad St, Durham, NC 27705

Expertise.com Rating

Review Sources

Google
4.4 (52)
Facebook
4.5 (8)

Why choose this provider?

Around the Corner Insurance Agency is a Durham-based insurance brokerage that works with several carriers to provide motorists in the area with auto insurance. Policies protect clients from bodily injury caused by car accidents, as well as collision and comprehensive coverage for repair costs relating to other forms of damage. Insurance plans may include coverage for medical payments and towing services. The agency also assists clients with homeowners and business insurance policies. Services are available in English and Spanish.

3604 Shannon Rd Ste 105, Durham, NC 27707
WebsiteLicense: 1000007121

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Dominick Huckabee Noblin & Trent Insurance Agency is an independent company catering to the needs of the Durham metro and nearby areas. The agency assists vehicle owners in securing personal insurance policies from carriers such as State Auto, Liberty Mutual, and Progressive. It also helps business owners in finding insurance plans for their fleet. The agency was established in 1987 and strives to be an eco-friendly company by going paperless. It is a member of the IIANC.

  • Multiple Carriers

4905 Pine Cone Dr Ste 5, Durham, NC 27707

Expertise.com Rating

Why choose this provider?

Bowen Agency Inc. is an independent insurance agency that offers auto insurance policies to residents of Durham, North Carolina. The company insures all types of vehicles, including cars, trucks, vans, RVs, ATVs , and motorcycles. The agency works with several carriers to help its customers access the right coverage to suit their needs at a price they're able to afford. In addition to auto insurance, Bowen Agency Inc. sells life, business, home, and health insurance.

2609 N Duke St Ste 102, Durham, NC 27704

Expertise.com Rating

Why choose this provider?

Diversified Insurance Solutions LLC is an agency that provides independent insurance advice and services in Durham, North Carolina. A specialist in personal and commercial auto insurance, it represents a significant number of providers, giving it a wide range of policies to present to its clients. Personal auto insurance typically includes collision and comprehensive coverage as a minimum, with additions included by the client or because they're required by the auto loan provider. Commercial insurance allows for multiple drivers per vehicle.

1210 Cole Mill Road Suite 101, Durham, NC 27705
WebsiteLicense: 6585019

Expertise.com Rating

Review Sources

Google
4.6 (11)

Why choose this provider?

McClintock & Associates Insurance, based in Durham, has been operating since 2001. An independent agency, it offers auto insurance policies from various carriers like Kemper and Erie Insurance. Its team works with locals to balance their budget with their needs, considering issues like underinsured driver coverage, deductibles, and third-party damages. Its assortment of product lines also includes motorcycle, collector car, mobile home, and personal watercraft insurance. The staff at McClintock & Associates Insurance has over 95 years of combined industry experience.

  • Bundling Option

2113 Cameron St Ste 219, Raleigh, NC 27605

Expertise.com Rating

Why choose this provider?

Summers Thompson Lowry Inc. is an independent insurance agency in Raleigh, North Carolina, that sells auto insurance throughout the Raleigh-Durham metro. Established in 2000, the agency offers tailored auto insurance that provides the best coverage with affordable premiums. Summers Thompson Lowry provides an array of personal and commercial insurance along with surety bonds through respected carriers, including Berkshire-Hathaway, First Comp, Philadelphia Insurance Company, Auto-Owners, Chubb, Kemper Auto and Home, and CNA Surety.

1320 Hill Street, Durham, NC 27707
WebsiteLicense: 1000008812

Expertise.com Rating

Review Sources

Google
5.0 (23)

Why choose this provider?

George Stevens Insurance, Inc., is an insurance provider located in Durham that offers individuals, families, and businesses a wide range of protection plans. Its professional agents have the experience to assist vehicle owners in securing car insurance policies based on their specific needs, expectations, and preferences. The company carries various reputable carriers, such as Travelers, Foremost Insurance Group, and Progressive. In addition to standard auto insurance, George Stevens Insurance, Inc., also provides homeowners, life, and health insurance.

  • Bundling Option
  • Home & Auto Insurance

3813 University Dr, Durham, NC 27707

Expertise.com Rating

Review Sources

Google
5.0 (108)
Facebook
5.0 (15)
Yelp
5.0 (1)

Why choose this provider?

Based in Durham, North Carolina, the Embree Insurance Agency is a local and independent specialist in auto insurance. Founded in 1997, it provides unbiased advice and support for individuals and businesses. The agency prides itself on its customer service with the owner, Mike Embree, available by cell phone 24 hours a day. Its auto insurance coverage includes the standard collision and comprehensive and can include suitable add-ons that Mike and his team discuss with and explain to their clients.

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Is there a minimum liability coverage for auto insurance required in Durham?

    In accordance with the North Carolina Motor Vehicle Law and the regulations set by the North Carolina Department of Insurance (NCDOI), motorists in Durham are mandated to maintain a minimum liability auto insurance policy that provides the following coverage per accident: $30,000 for bodily injury per individual, $60,000 for bodily injury for all parties involved (total aggregate), and $25,000 for property damage.

  • Are teenagers covered under their parent’s auto insurance policy in Durham?

    In Durham, teen drivers who are in the learner's permit stage are typically covered under their parents' existing auto insurance policies. It's not necessary to add them as additional drivers to the policy until they receive their full driver's license. However, note that obtaining insurance coverage for teen drivers may result in higher premiums.

  • Can you choose to self-insure your vehicle in Durham?

    If you have a minimum of 26 vehicles, you have the option to seek approval from the commissioner to become a self-insurer in Durham. The commissioner will require documentation proving your financial stability, such as an income statement or financial statement, and upon approval, will grant you a certificate. Note that in the event that your vehicles are involved in an accident, you will be responsible for covering the damages using your personal financial resources.

  • Is car insurance mandatory in Durham?

    Yes, car insurance is mandatory for all vehicles registered in Durham. The law mandates that vehicles must have liability insurance with a minimum coverage of at least $30,000 per person and $60,000 per accident. Failure to have this insurance can lead to a class 3 misdemeanor offense, resulting in a permanent criminal record upon conviction.

  • How long do you have to report a car accident to your insurance company in Durham?

    It’s highly advised to report a car accident to your insurance company in Durham as soon as possible. Most insurers offer 24-hour accident claim hotlines and mobile apps for quick reporting. The time limit for reporting accidents varies among policies, so it's essential to check your specific policy terms or consult your insurance agent if you are unsure.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.