Car insurance rates in North Carolina are traditionally calculated based on a driver’s age, auto make and model, driving history and other personal information. However, for high-risk drivers in North Carolina, car insurance rates may be higher due to their increased risk to an insurance company.
High-risk drivers include those who have two or more traffic violations, at-fault accidents, DUIs, poor credit scores or no prior car insurance coverage.
We have created this guide to make your search for car insurance for high-risk drivers hassle-free. It provides details on how auto insurance rates change based on infractions like speeding tickets, at-fault accidents and DUI convictions. It also reveals the cheapest car insurance companies for high-risk drivers based on driving profiles in North Carolina.
- Who is a high-risk driver in North Carolina?
- Car insurance rates for high-risk drivers by driving profile in North Carolina
- Speeding tickets
- DUI offense
- At-fault accident
- Reckless driving
- Cheapest car insurance options for high-risk drivers in North Carolina
- How to lower your car insurance rate if you are a high-risk driver
- Resources & Methodology
Who is a high-risk driver in North Carolina?
Drivers of all age groups, those with or without experience, can be categorized as high-risk drivers by car insurance companies in North Carolina if they have minor violations like speeding tickets or major violations like DUI convictions or lapses in insurance coverage.
Car insurance rates for high-risk drivers by driving profile in North Carolina
The experts at CarInsurance.com have analyzed the rates for high-risk drivers based on driving profile for drivers with – speeding tickets, DUI offenses and at-fault accidents.
Here’s how each of the violations affect car insurance rates in North Carolina.
Speeding tickets
In North Carolina, car insurance rates increase based on the speeding limits you violate. For example, a driver who drives 1-10 MPH over the speed limit will pay 40% more for auto insurance than before having a speeding ticket.
North Carolina drivers with speeding ticket violations for driving 11-29 mph over the limit pay 54% higher rates than drivers without speeding tickets. Whereas North Carolina drivers with speed violations of more than 30 mph will pay 54% higher rates than drivers without speeding tickets.
Find out how much car insurance rates increase after a speeding ticket violation in North Carolina.
| Violation | Rates after speeding ticket | Rates before speeding ticket | $ Difference | % Increase |
|---|---|---|---|---|
| Speeding ticket 1-10 MPH over limit | $1,955 | $1,396 | $558 | 40% |
| Speeding ticket 11-29 MPH over limit | $2,146 | $1,396 | $750 | 54% |
| Speeding 30+ over limit | $2,146 | $1,396 | $750 | 54% |
Learn more: How much your insurance goes up after a speeding ticket
Cheapest car insurance companies in North Carolina for drivers with speeding tickets
In North Carolina, Nationwide offers the cheapest car insurance for drivers with speeding tickets at $1,559 annually. The car insurance rates offered by Nationwide increase by $425 after a speeding ticket violation.
| Company | Rates before speeding ticket | Rates after speeding ticket | $ Difference | % Difference |
|---|---|---|---|---|
| Allstate | $2,339 | $3,327 | $988 | 42% |
| Erie | $1,075 | $1,646 | $572 | 53% |
| Geico | $1,034 | $1,943 | $909 | 88% |
| Kemper | $1,071 | $1,820 | $749 | 70% |
| National General | $1,539 | $1,957 | $418 | 27% |
| Nationwide | $1,135 | $1,559 | $425 | 37% |
| North Carolina Farm Bureau | $1,265 | $1,751 | $486 | 38% |
| Progressive | $1,860 | $2,599 | $739 | 40% |
| State Farm | $1,251 | $1,797 | $545 | 44% |
DUI offense
If you are convicted of driving under the influence (DUI) or DWI (driving while intoxicated) or OUI (operating under the influence) in North Carolina, you can expect your car insurance rates to increase by 310% on an average, according to 2023 CarInsurance.com data.
| Violation | Rates after a DUI | Rates without a DUI | $ Difference | % Diffrence |
|---|---|---|---|---|
| DUI/DWI first offense | $5,726 | $1,396 | $4,329 | 310% |
| DUI/DWI second offense | $5,872 | $1,396 | $4,475 | 320% |
Here’s how much your insurance goes up after a DUI
Cheapest car insurance companies in North Carolina for drivers with a DUI
National General offers the cheapest car insurance rates for drivers with a DUI at $4,020 per year, in North Carolina. The rate increases by $2,480 after getting a DUI offense on your driving history.
The second cheapest car insurance for high-risk drivers with DUI is offered by Nationwide at $4,249 a year.
See below for the auto insurance premiums offered by companies in North Carolina for drivers with a DUI.
| Company | Rates before DUI offense | Rates after 1st DUI offense | Rates after 2nd DUI offense |
|---|---|---|---|
| Allstate | $2,339 | $9,938 | $9,938 |
| Erie | $1,075 | $4,492 | $4,492 |
| Geico | $1,034 | $6,904 | $6,904 |
| Kemper | $1,071 | $4,571 | $4,571 |
| National General | $1,539 | $4,020 | $5,507 |
| Nationwide | $1,135 | $4,249 | $4,249 |
| North Carolina Farm Bureau | $1,265 | $4,747 | $4,747 |
| Progressive | $1,860 | $7,147 | $7,147 |
| State Farm | $1,251 | $5,078 | $5,078 |
At-fault accident
After an at-fault collision, your car insurance premiums could spike in North Carolina – unless you’ve added endorsements like accident forgiveness to your coverage.
According to a 2023 rate analysis by CarInsurance.com, on average, after an at-fault accident, car insurance rates increase by 57%.
However, there are states where car insurance companies provide coverage to the policyholder regardless of who was responsible for the collision or cover the medical expenses of the other driver. They are referred to as no-fault states and tort states.
Learn more: How much does car insurance go up after an accident?
Cheapest car insurance companies in North Carolina for drivers with at-fault accidents
If you are looking for the cheapest car insurance for drivers with an at-fault accident, Kemper is your best bet. It offers insurance at $1,619 per year.
| Company | Rates before an at-fault accident | Rates after an at-fault accident |
|---|---|---|
| Allstate | $2,339 | $3,862 |
| Erie | $1,075 | $1,646 |
| Geico | $1,034 | $2,341 |
| Kemper | $1,071 | $1,619 |
| National General | $1,539 | $2,186 |
| Nationwide | $1,135 | $1,883 |
| North Carolina Farm Bureau | $1,265 | $1,751 |
| Progressive | $1,860 | $2,599 |
| State Farm | $1,251 | $1,797 |
Reckless driving
Reckless driving is a grave offense with serious consequences. Unlike other traffic violations, it is usually classified as a misdemeanor. It carries severe penalties such as hefty fines or even imprisonment, depending on the state laws, according to Findlaw, an online legal information resource.
Compare the car insurance rates for drivers with and without a reckless driving violation in North Carolina.
| Violation | Rates after a reckless driving | Rates before a reckless driving | $ Difference | % Increase |
|---|---|---|---|---|
| Reckless driving | $2,571 | $1,396 | $1,175 | 84% |
Cheapest car insurance companies in North Carolina for reckless driving violation
| Company | Rates before a reckless driving violation | Rates after a reckless driving violation |
|---|---|---|
| Allstate | $2,339 | $4,255 |
| Erie | $1,075 | $2,059 |
| Geico | $1,034 | $2,698 |
| Kemper | $1,071 | $1,998 |
| National General | $1,539 | $2,595 |
| Nationwide | $1,135 | $1,865 |
| North Carolina Farm Bureau | $1,265 | $2,187 |
| Progressive | $1,860 | $3,260 |
| State Farm | $1,251 | $2,174 |
Cheapest car insurance options for high-risk drivers in North Carolina
Use the calculator below to see the cheapest companies for high-risk drivers in North Carolina by violation.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Kemper | $1,860 |
| Erie | $1,865 |
| North Carolina Farm Bureau | $1,982 |
| Nationwide | $2,044 |
| State Farm | $2,058 |
| National General | $2,346 |
| Progressive | $2,949 |
| Geico | $3,781 |
| Allstate | $5,227 |
How to lower your car insurance rate if you are a high-risk driver
There are ways to lower car insurance rates even if you are a high-risk driver.
- Shopping around: Comparing the quotes from multiple carriers to find the cheapest car insurance company for high-risk drivers.
- Increase your deductible: You can lower your car insurance premiums even if you are a high-risk driver if you increase your deductible.
- Make use of all the available discounts: Ensure you ask about available discounts you may qualify for in North Carolina.
Resources & Methodology
Sources
Findlaw. “Reckless driving laws by state.” Accessed January 2023.
Methodology
Data is sourced from the Auto Problems Report 2022. Rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across around 1500 ZIP codes with 50,00,736 records from 27 companies.
Note: In most states, USAA is the cheapest company for drivers with traffic violations, but it is only available to military members, veterans, and their immediate families.
