Cheap DUI Car Insurance in North Carolina (With Quotes)
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Written byCourtney Roy
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Courtney RoyInsurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
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Edited byJohn Leach
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John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Reviewed byAmber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
Updated November 21, 2024
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Table of contents
Best DUI Insurance Companies in North Carolina (2022)
For drivers with a DUI or DWI offense in North Carolina, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in North Carolina. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in North Carolina.
Carrier ▲▼ | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ |
|---|---|
| American Family Insurance | $82 |
| National General | $132 |
| Travelers | $239 |
| Dairyland Insurance | $276 |
| Safeco Insurance | $598 |
DUI Car Insurance Costs in North Carolina
In North Carolina, a DUI or DWI offense will on average have drivers paying $441 per month and $5,292 per year for their car insurance rates.
Compared to drivers with a clean driving record, that is on average an 253% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.
How Much Does a DUI Impact Car Insurance Rates in North Carolina?
DUIs disrupt freedom, family, and finances for North Carolinians. No matter how the details shake out, it's going to cost you, but just how much?
The state average is $131, and people with a perfect driving record skate below that, at $125. One wrong choice later, and the amount goes up by an unthinkable 253 percent, the nation's highest percentage of change. At $441, you shell out triple and add $316 more per month, or over $3,700 per year to your bill. With that much cash, you could afford to bring the party to your house alongside the food and drinks.
No Violation - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ | After DUI - Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ | Average Percent Increase After DUI ▲▼ |
|---|---|---|
| $125 | $441 | 252.80% |
What Are the Average Car Insurance Prices After a DUI in North Carolina?
Your driver profile, vehicle, and location will make your quote and policy unique. But there's still value in seeing averages. DUI drivers can expect to spend $441 per month to keep their driving privileges. Would you believe the state with the overall second-cheapest insurance in the U.S. ranks 16th for most expensive DUI rates?
As bad as it sounds, this number is dwarfed by Michigan's $1,200 DUI premium. Perspective is everything. And why not look into lowering your cost by opting for liability only on an older car and dropping comprehensive and collision coverage? State minimum coverage might be a good place to start, too.
North Carolina After DUI Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. ▲▼ | Most Expensive State for DUI (1-50) ▲▼ |
|---|---|
| $441 | 16th |
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How Long Is the Lookback Period for a DUI in North Carolina?
North Carolina's lookback period depends on the type of DUI offense. For felonies, it's 10 years, and for misdemeanors, it's seven years. That means you must wait 10 or 7 years respectively before qualifying for first offender status again. Fortunately, insurance companies usually only look back three years, while some go as high as five.
Three years before any significant rate change? Mostly yes, but you can compare quotes, avoid tickets and accidents, and do aggressive comparison-shopping when it's time for renewal. All three methods should offer savings, and the amounts may surprise you.
North Carolina DUI Penalties
North Carolina''s five level system sets Level I as the worst penalty and Level V as the most lenient. Offenders who cause severe injury or death, have prior DUIs, or drive with minors get the harshest penalties.
Grouping Levels III, IV, and V together, first offenders could face jail time of one day to six months, a fine between $200 and $1,000, a suspended license for one year, and an ignition interlock device requirement for one year. If you''re under the age of 21, North Carolina is a "zero-tolerance" state, meaning anything above.00 BAC results in a guilty conviction, carrying jail time of up to 60 days and a fine of $1,000.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - North Carolina Car Insurance
Why is car insurance so expensive in North Carolina?
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Do car insurance rates vary by county in North Carolina?
Auto insurance costs will vary between locations and insurance carriers, depending on the county North Carolina. Insurify analyzed the latest data for the five most populous cities in North Carolina to find you the cheapest quotes in each of these metropolitan areas.
Which providers have the best auto insurance ratings in North Carolina?
The way to find the carrier with the best auto insurance ratings in North Carolina and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
How much do annual auto insurance rates increase in North Carolina?
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Courtney RoyInsurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
John LeachSenior Insurance Copy Editor
Licensed property and casualty insurance agent
8+ years editing experience
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.
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