When you're driving through Durham, GEICO makes it easy to find dependable coverage that fits your life. We combine competitive rates with helpful tools like the GEICO Mobile app, local specialist access, and seamless nationwide service. GEICO supports you with reliable protection and convenient bundling options.
GEICO’s free online quote lets you see personalized options in minutes. Compare coverage levels, add extras, and explore discounts based on your vehicle, driving habits, and location, all from your phone or computer. It’s simple to tailor a plan that matches your needs without the hassle.
North Carolina law requires drivers in Durham to carry certain liability limits to legally drive. These minimums help pay for injuries and damage you cause in the event of an accident.
| Coverage Type | North Carolina Minimum Limit |
|---|---|
| Bodily Injury Liability | $50,000 per person/$100,000 per accident |
| Property Damage Liability | $50,000 per accident |
| Uninsured/Underinsured Motorist Bodily Injury Coverage | $50,000 per person/$100,000 per accident |
| Uninsured Motorist Property Damage | $50,000 per accident |
These are just the basics. Many drivers choose higher limits or add protections to reduce potential out-of-pocket costs. GEICO offers flexible options to build a policy that meets legal requirements and personal needs.
Having the minimum coverage is one thing, but having the right protection is another. GEICO offers a variety of coverages to help you protect yourself, your vehicle, and your finances in case of an accident or unexpected event. Here are the major types of coverage Durham drivers often consider.
Liability insurance is mandatory and is divided into two main types: bodily injury liability and property damage liability.
Bodily injury liability covers medical expenses, lost wages, and pain and suffering for individuals injured in an accident where the policyholder is at fault. Meanwhile, property damage liability pays for repairs to or replacement of another person's property, such as vehicles, fences, or buildings, that the policyholder damages.
Collision coverage covers damage to your vehicle in accidents, while comprehensive coverage protects against theft, vandalism, natural disasters, or hitting an animal. Both help limit repair costs. While not required by state law, these coverages are often mandated by lenders if you're financing or leasing your vehicle.
Medical Payments is an optional coverage that may be added to help with medical expenses for you and your passengers after a crash, regardless of who is at fault. This coverage provides quicker access to funds for medical care or funeral expenses, without having to wait for fault to be determined.
If you’re hit by a driver with little or no insurance, Uninsured/Underinsured Motorist (UM/UIM) coverage helps pay for injuries and damage that they cannot cover. Similar to liability coverage, it's important to note that while minimum coverage is required here, you have the option to purchase higher limits to better safeguard both yourself and your passengers.
Auto insurance doesn’t have to be expensive. GEICO offers a variety of discounts that help Durham drivers lower their premiums without reducing protection.
A minimum liability policy typically runs near the state average, but your exact rate depends on factors like vehicle, driving history, and ZIP code in Durham. For more guidance on coverage, the best fit, and more protection options, use GEICO’s coverage calculator.
Durham drivers may wish to add extra protection tailored to their needs. GEICO also offers several add-ons that can provide added convenience and protection for Durham drivers.
These can be added at any time to match your lifestyle and how you use your car around Durham. These optional protections are especially useful if you drive frequently, rely on your car for work, or want peace of mind during long trips. Talk to a GEICO representative or explore your quote to see which add-ons are right for you.
You can get a free, personalized quote in just minutes on GEICO’s website or through the GEICO Mobile app. Prefer to talk it through? A local GEICO specialist is available by phone at (800) 241‑8098. We’ll help you compare plans, apply discounts, and build a policy that offers peace of mind on Durham roads. Get started now and see how much you could save.