🏠 Home insurance cost in Durham, NC (2026)
Estimated average: $2,033 per year — -12% vs. the U.S. average of $2,300.
$2,033
Est. home insurance in Durham
per year
$1,955
North Carolina average
$2,300
U.S. average
296,186
Population
Estimate your home insurance in Durham
Durham home insurance estimator
Estimated$1,281/year
Starts from the Durham estimate. Get quotes to confirm your price.
Durham home insurance FAQ
How much is home insurance in Durham, NC?
The estimated average is $2,033 per year — above the state average (+4% vs. the North Carolina average of $1,955, and -12% vs. the U.S. average).
Is home insurance more expensive in Durham than elsewhere in North Carolina?
Durham has about 296,186 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Durham?
Compare at least three quotes from insurers active in Durham, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.