DWI Car Insurance in North Carolina: Costs, Laws, and Cheapest Companies (2026)
Drivers in North Carolina with a DWI pay an average of $171 per month for liability-only car insurance.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Writer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
)
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
On average, North Carolina drivers pay $281 per month for full-coverage insurance after a DWI.
Erie is the cheapest insurer for North Carolina drivers with a DWI on their records, with liability policies averaging $105 per month.
A DWI will affect your car insurance rates for five years in North Carolina.[1]
Cheapest car insurance quotes after a DWI in North Carolina
North Carolina drivers with a driving while intoxicated (DWI) conviction on their records pay a monthly average of $171 for liability coverage, while a full-coverage policy averages $281 per month.
Erie is currently the cheapest insurer in North Carolina for liability coverage after a DWI, with an average monthly premium of $105.
The table below shows the cheapest auto insurance rates after a DWI in North Carolina:
The below rates in North Carolina are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $105 |
| GEICO | $128 |
| Direct Auto | $129 |
| Liberty Mutual | $131 |
| National General | $131 |
| Travelers | $135 |
| The General | $138 |
| Progressive | $152 |
| Dairyland | $153 |
| Safeco | $154 |
| Allstate | $159 |
| State Farm | $174 |
Disclaimer: Table data sourced from real-time North Carolina car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in North Carolina may vary based on the policy buyer's unique driver profile.
Find Cheap DWI Insurance in North Carolina
Liability policies average $171 per month
Excellent
4.7 out of 5 based on 18,257 reviews
Secure. Free. Easy-to-use.
How a DWI affects car insurance rates in North Carolina
North Carolina is among the worst states for deaths caused by drunk drivers, according to the Insurance Institute for Highway Safety.[2] Unsurprisingly, North Carolina drivers with DWIs pay significantly higher rates for coverage.
Nationally, rates increase by about 44% after a DWI, according to Insurify data. But in North Carolina, premiums increase by an average of 168%. How much your rates increase depends on several factors:
Age: In North Carolina, drivers younger than 21 who receive a DWI receive fewer points on their driving records than older drivers, so they may experience lower rate increases.[3]
Driving record: Other driving infractions, such as speeding tickets or at-fault accidents, can cause steeper rates.
Coverage level: Your selected coverage amount and what types of auto insurance you include on your policy will also affect your rates.
The table below shows how rates increase in North Carolina after a DWI based on a driver’s profile.
The below rates in North Carolina are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Rates by Driver Profile
Insurance Company | With DWI | Without DWI |
|---|---|---|
| State Farm | $26 | $17 |
| Auto-Owners | $33 | $24 |
| State Farm | $34 | $25 |
| USAA | $34 | $25 |
| USAA | $36 | $27 |
| State Farm | $37 | $25 |
| USAA | $39 | $29 |
| State Farm | $39 | $29 |
| Auto-Owners | $40 | $30 |
| State Farm | $40 | $30 |
| Auto-Owners | $42 | $30 |
| American Family | $43 | $33 |
| State Farm | $44 | $32 |
| State Farm | $45 | $32 |
| USAA | $48 | $35 |
| Auto-Owners | $48 | $33 |
| State Farm | $50 | $34 |
| State Farm | $50 | $34 |
| Certainly | $50 | $40 |
| State Farm | $51 | $35 |
| USAA | $52 | $38 |
| State Farm | $53 | $36 |
| Mile Auto | $53 | $37 |
| Erie | $54 | $40 |
| State Farm | $54 | $40 |
| USAA | $54 | $37 |
| State Farm | $55 | $40 |
| USAA | $55 | $36 |
| State Farm | $55 | $39 |
| American Family | $55 | $43 |
| GEICO | $56 | $41 |
| Sun Coast | $56 | $37 |
| Mile Auto | $56 | $38 |
| National General | $57 | $40 |
| Auto-Owners | $58 | $41 |
| First Chicago | $58 | $46 |
| Erie | $59 | $41 |
| Auto-Owners | $59 | $40 |
| Auto-Owners | $59 | $41 |
| Progressive | $60 | $41 |
| Auto-Owners | $60 | $41 |
| USAA | $60 | $41 |
| GEICO | $60 | $44 |
| USAA | $60 | $43 |
| Direct Auto | $60 | $41 |
| USAA | $60 | $41 |
| Progressive | $60 | $40 |
| State Farm | $60 | $45 |
| Farmers | $61 | $45 |
| State Farm | $61 | $40 |
| Progressive | $61 | $41 |
| Progressive | $62 | $44 |
| GEICO | $62 | $42 |
| Farmers | $62 | $44 |
| Progressive | $62 | $42 |
| Auto-Owners | $62 | $44 |
| State Farm | $62 | $44 |
| USAA | $62 | $44 |
| GEICO | $62 | $45 |
| First Chicago | $62 | $42 |
| Progressive | $63 | $41 |
| USAA | $63 | $47 |
| USAA | $63 | $46 |
| USAA | $63 | $43 |
| American Family | $63 | $47 |
| State Farm | $64 | $44 |
| Progressive | $64 | $51 |
| Allstate | $64 | $46 |
| Commonwealth Casualty | $65 | $45 |
| Auto-Owners | $65 | $46 |
| USAA | $65 | $45 |
| Progressive | $65 | $48 |
| State Farm | $65 | $46 |
| GEICO | $65 | $44 |
| USAA | $66 | $49 |
| Country Financial | $66 | $48 |
| Chubb | $66 | $49 |
| Certainly | $66 | $44 |
| State Farm | $66 | $47 |
| Progressive | $68 | $54 |
| AssuranceAmerica | $68 | $46 |
| Allstate | $68 | $45 |
| Just Pay-Per-Mile | $68 | $46 |
| GEICO | $68 | $47 |
| Progressive | $69 | $50 |
| National General | $69 | $47 |
| Just Pay-Per-Mile | $69 | $49 |
| The General | $69 | $49 |
| USAA | $69 | $50 |
| USAA | $69 | $49 |
| Auto-Owners | $69 | $47 |
| Travelers | $69 | $47 |
| American Family | $69 | $50 |
| Country Financial | $69 | $53 |
| American Family | $69 | $49 |
| State Farm | $69 | $51 |
| Auto-Owners | $69 | $49 |
| National General | $70 | $51 |
| The General | $72 | $50 |
| Progressive | $72 | $57 |
| USAA | $72 | $51 |
| Direct Auto | $72 | $51 |
| State Farm | $72 | $52 |
| Erie | $73 | $48 |
| National General | $73 | $49 |
| GEICO | $73 | $49 |
| Farmers | $73 | $53 |
| American Family | $73 | $52 |
| USAA | $73 | $48 |
| Erie | $73 | $50 |
| Allstate | $73 | $58 |
| GEICO | $74 | $54 |
| American Family | $75 | $55 |
| Plymouth Rock | $75 | $46 |
| Auto-Owners | $75 | $55 |
| Safeco | $75 | $47 |
| The General | $75 | $52 |
| GEICO | $75 | $49 |
| State Farm | $75 | $56 |
| State Farm | $75 | $49 |
| State Farm | $76 | $51 |
| Progressive | $76 | $47 |
| State Farm | $76 | $55 |
| Direct Auto | $76 | $52 |
| Allstate | $76 | $60 |
| National General | $76 | $50 |
| State Farm | $76 | $50 |
| American Family | $76 | $57 |
| State Auto | $77 | $58 |
| American Family | $77 | $57 |
| Progressive | $77 | $55 |
| GAINSCO | $77 | $55 |
| GAINSCO | $77 | $57 |
| Excepsure | $77 | $55 |
| The General | $77 | $59 |
| Allstate | $77 | $52 |
| State Farm | $78 | $57 |
| State Farm | $78 | $55 |
| GEICO | $78 | $50 |
| Farmers | $78 | $58 |
| Allstate | $78 | $60 |
| GAINSCO | $79 | $53 |
| Progressive | $79 | $63 |
| Progressive | $79 | $60 |
| Progressive | $79 | $60 |
| AssuranceAmerica | $79 | $56 |
| Farmers | $80 | $58 |
| Direct Auto | $80 | $59 |
| Sun Coast | $80 | $52 |
| Allstate | $80 | $54 |
| Progressive | $80 | $62 |
| Certainly | $80 | $55 |
| National General | $80 | $57 |
| Trexis | $80 | $53 |
| Auto-Owners | $80 | $59 |
| Safeco | $81 | $54 |
| National General | $81 | $55 |
| State Farm | $81 | $58 |
| Trexis | $81 | $55 |
| Bristol West | $82 | $55 |
| GEICO | $82 | $58 |
| State Farm | $82 | $53 |
| Direct Auto | $82 | $54 |
| Direct Auto | $82 | $60 |
| The General | $82 | $63 |
| Direct Auto | $82 | $61 |
| National General | $82 | $59 |
| First Acceptance | $83 | $59 |
| Auto-Owners | $83 | $60 |
| National General | $83 | $57 |
| Root | $83 | $56 |
| The General | $83 | $58 |
| The General | $84 | $59 |
| GEICO | $84 | $57 |
| The General | $84 | $61 |
| Progressive | $84 | $62 |
| Sun Coast | $84 | $67 |
| Sun Coast | $84 | $60 |
| USAA | $84 | $60 |
| Trexis | $84 | $58 |
| USAA | $84 | $62 |
| Auto-Owners | $85 | $58 |
| The General | $85 | $62 |
| First Acceptance | $85 | $57 |
| The General | $85 | $65 |
| Travelers | $85 | $60 |
| Mile Auto | $85 | $60 |
| State Farm | $85 | $60 |
| Bristol West | $85 | $63 |
| Safeco | $85 | $51 |
| Liberty Mutual | $85 | $56 |
| Safeco | $85 | $57 |
| GAINSCO | $85 | $58 |
| Root | $85 | $61 |
| Allstate | $85 | $65 |
| Mercury | $86 | $60 |
| GEICO | $86 | $62 |
| Progressive | $86 | $61 |
| Safeco | $86 | $53 |
| Auto-Owners | $86 | $61 |
| National General | $86 | $62 |
| Dairyland | $86 | $64 |
| GEICO | $87 | $61 |
| Bristol West | $87 | $59 |
| USAA | $87 | $65 |
| Country Financial | $88 | $62 |
| AssuranceAmerica | $88 | $61 |
| USAA | $88 | $63 |
| Farmers | $89 | $60 |
| Progressive | $89 | $55 |
| Bristol West | $89 | $66 |
| Direct Auto | $89 | $66 |
| Trexis One | $89 | $61 |
| Allstate | $89 | $71 |
| National General | $89 | $66 |
| AssuranceAmerica | $89 | $61 |
| Erie | $89 | $59 |
| The General | $89 | $65 |
| National General | $89 | $65 |
| Progressive | $90 | $64 |
| Sun Coast | $90 | $64 |
| Liberty Mutual | $90 | $59 |
| National General | $90 | $59 |
| Mile Auto | $90 | $67 |
| First Acceptance | $90 | $62 |
| National General | $90 | $67 |
| Root | $90 | $66 |
| Trexis One | $91 | $60 |
| Direct Auto | $91 | $66 |
| State Farm | $91 | $66 |
| Mile Auto | $91 | $64 |
| Trexis | $91 | $65 |
| Allstate | $91 | $67 |
| National General | $91 | $62 |
| Progressive | $91 | $73 |
| Safeco | $92 | $57 |
| Allstate | $92 | $57 |
| Safeco | $92 | $55 |
| Root | $92 | $65 |
| The General | $92 | $65 |
| USAA | $92 | $62 |
| USAA | $92 | $66 |
| Root | $92 | $63 |
| Allstate | $92 | $61 |
| National General | $93 | $69 |
| GEICO | $93 | $65 |
| Certainly | $93 | $63 |
| Direct Auto | $93 | $64 |
| GEICO | $93 | $66 |
| Allstate | $93 | $72 |
| Bristol West | $93 | $68 |
| USAA | $93 | $70 |
| Dairyland | $93 | $64 |
| Trexis | $94 | $63 |
| Progressive | $94 | $67 |
| Safeco | $94 | $58 |
| USAA | $94 | $67 |
| Travelers | $94 | $69 |
| Dairyland | $94 | $70 |
| Liberty Mutual | $94 | $64 |
| Allstate | $95 | $65 |
| Aspire General | $95 | $69 |
| Progressive | $95 | $64 |
| GAINSCO | $95 | $65 |
| Direct Auto | $95 | $68 |
| Allstate | $95 | $62 |
| Hugo | $95 | $64 |
| Trexis One | $95 | $64 |
| Aspire General | $95 | $68 |
| Novo Flex | $95 | $68 |
| Direct Auto | $95 | $66 |
| GAINSCO | $95 | $66 |
| Allstate | $95 | $69 |
| Bristol West | $96 | $71 |
| Liberty Mutual | $96 | $71 |
| Direct Auto | $96 | $65 |
| Auto-Owners | $96 | $63 |
| State Farm | $96 | $63 |
| GEICO | $96 | $67 |
| Hugo | $96 | $66 |
| Direct Auto | $96 | $66 |
| USAA | $96 | $71 |
| GAINSCO | $96 | $68 |
| Bristol West | $96 | $69 |
| USAA | $96 | $68 |
| Just Unlimited | $97 | $65 |
| Elephant | $97 | $67 |
| Dairyland | $97 | $66 |
| GEICO | $98 | $69 |
| American Family | $98 | $75 |
| The General | $98 | $72 |
| Novo Next | $98 | $70 |
| First Acceptance | $98 | $65 |
| First Acceptance | $98 | $61 |
| Erie | $98 | $68 |
| GEICO | $98 | $67 |
| Sun Coast | $99 | $72 |
| GEICO | $99 | $73 |
| Dairyland | $99 | $65 |
| Allstate | $99 | $67 |
| Auto-Owners | $99 | $74 |
| Direct Auto | $99 | $67 |
| Clearcover | $100 | $75 |
| State Farm | $100 | $71 |
| AssuranceAmerica | $100 | $74 |
| Mendota | $100 | $66 |
| Direct Auto | $100 | $71 |
| Farmers | $100 | $68 |
| National General | $100 | $71 |
| Bristol West | $100 | $66 |
| Root | $101 | $69 |
| Trexis One | $101 | $68 |
| Root | $101 | $71 |
| USAA | $101 | $71 |
| The General | $101 | $68 |
| The General | $101 | $68 |
| USAA | $101 | $65 |
| The General | $101 | $76 |
| American Family | $102 | $75 |
| USAA | $102 | $67 |
| Bristol West | $102 | $72 |
| National General | $102 | $76 |
| Chubb | $102 | $75 |
| Erie | $102 | $62 |
| National General | $102 | $73 |
| Travelers | $102 | $76 |
| State Farm | $103 | $76 |
| Safeco | $103 | $68 |
| GEICO | $103 | $74 |
| GEICO | $103 | $67 |
| Sun Coast | $103 | $78 |
| Progressive | $103 | $75 |
| National General | $103 | $75 |
| The General | $103 | $75 |
| Clearcover | $103 | $74 |
| Safeco | $103 | $68 |
| USAA | $103 | $76 |
| State Farm | $103 | $77 |
| Mile Auto | $103 | $73 |
| Safeco | $104 | $67 |
| First Chicago | $104 | $70 |
| State Farm | $104 | $78 |
| Travelers | $104 | $71 |
| Certainly | $104 | $74 |
| Direct Auto | $104 | $76 |
| Bristol West | $104 | $72 |
| GEICO | $104 | $73 |
| Auto-Owners | $104 | $77 |
| Safeco | $104 | $69 |
| Liberty Mutual | $105 | $71 |
| Dairyland | $105 | $71 |
| USAA | $105 | $72 |
| Auto-Owners | $105 | $79 |
| Auto-Owners | $105 | $69 |
| Elephant | $105 | $72 |
| Erie | $105 | $54 |
| AssuranceAmerica | $105 | $75 |
| Allstate | $105 | $80 |
| GEICO | $106 | $78 |
| Dairyland | $106 | $76 |
| Safeco | $106 | $68 |
| Allstate | $106 | $66 |
| Bristol West | $106 | $79 |
| USAA | $106 | $80 |
| USAA | $107 | $70 |
| Farmers | $107 | $73 |
| Allstate | $107 | $81 |
| Allstate | $107 | $79 |
| GEICO | $107 | $79 |
| State Farm | $107 | $79 |
| Bristol West | $108 | $76 |
| Dairyland | $108 | $76 |
| Bristol West | $108 | $73 |
| GEICO | $108 | $72 |
| National General | $108 | $79 |
| Root | $108 | $73 |
| Safeco | $108 | $66 |
| GAINSCO | $108 | $74 |
| Novo | $108 | $77 |
| The General | $108 | $83 |
| Country Financial | $108 | $83 |
| USAA | $108 | $65 |
| Liberty Mutual | $108 | $74 |
| Safeco | $108 | $71 |
| Mercury | $108 | $73 |
| Bristol West | $108 | $79 |
| GEICO | $109 | $76 |
| National General | $109 | $81 |
| American Family | $109 | $78 |
| Shelter | $109 | $75 |
| Allstate | $109 | $68 |
| GEICO | $110 | $79 |
| Dairyland | $110 | $76 |
| State Farm | $110 | $81 |
| The General | $110 | $83 |
| Hugo | $111 | $79 |
| Safeco | $111 | $74 |
| American Family | $111 | $84 |
| Country Financial | $111 | $86 |
| GAINSCO | $111 | $76 |
| Farmers | $111 | $76 |
| Root | $111 | $79 |
| Progressive | $111 | $69 |
| Bristol West | $111 | $79 |
| Direct Auto | $111 | $81 |
| Insurify Car | $112 | $74 |
| The General | $112 | $86 |
| Elephant | $112 | $76 |
| Progressive | $112 | $82 |
| Mercury | $112 | $75 |
| Trexis One | $113 | $90 |
| The General | $113 | $83 |
| Root | $113 | $82 |
| Farmers | $113 | $84 |
| Liberty Mutual | $113 | $81 |
| GEICO | $113 | $74 |
| Liberty Mutual | $114 | $79 |
| Root | $114 | $79 |
| Chubb | $114 | $75 |
| Bristol West | $114 | $85 |
| Chubb | $114 | $84 |
| State Farm | $114 | $86 |
| Travelers | $115 | $81 |
| National General | $115 | $84 |
| Farmers | $115 | $81 |
| Safeco | $115 | $74 |
| Root | $115 | $78 |
| Allstate | $115 | $82 |
| Just Unlimited | $115 | $82 |
| Progressive | $115 | $90 |
| National General | $116 | $80 |
| Travelers | $116 | $76 |
| Dairyland | $116 | $78 |
| Allstate | $116 | $83 |
| Mendota | $116 | $78 |
| Progressive | $116 | $95 |
| Clearcover | $116 | $89 |
| Allstate | $116 | $93 |
| USAA | $116 | $82 |
| Dairyland | $116 | $83 |
| The General | $117 | $86 |
| First Acceptance | $117 | $83 |
| Root | $117 | $85 |
| GEICO | $117 | $82 |
| The General | $117 | $88 |
| Erie | $117 | $87 |
| Bristol West | $118 | $83 |
| First Acceptance | $118 | $94 |
| Mendota | $118 | $94 |
| Hiroad | $118 | $84 |
| State Farm | $118 | $69 |
| Direct Auto | $118 | $84 |
| Travelers | $118 | $80 |
| Travelers | $118 | $81 |
| Elephant | $118 | $87 |
| Bristol West | $118 | $81 |
| Root | $119 | $88 |
| 21st Century | $119 | $79 |
| American Family | $119 | $89 |
| Alinsco | $120 | $85 |
| Travelers | $120 | $89 |
| Travelers | $120 | $83 |
| The General | $120 | $87 |
| Safeco | $120 | $72 |
| Safeco | $120 | $79 |
| Safeco | $120 | $75 |
| American Family | $121 | $94 |
| Bristol West | $121 | $83 |
| National General | $121 | $83 |
| Allstate | $121 | $97 |
| The General | $121 | $92 |
| National General | $122 | $80 |
| National General | $122 | $87 |
| Direct Auto | $122 | $86 |
| GEICO | $122 | $71 |
| Root | $122 | $87 |
| Direct Auto | $122 | $91 |
| GEICO | $122 | $87 |
| Mile Auto | $122 | $92 |
| American Family | $122 | $93 |
| Direct Auto | $123 | $88 |
| Just Pay-Per-Mile | $123 | $97 |
| GEICO | $123 | $80 |
| Root | $123 | $91 |
| Travelers | $123 | $88 |
| Liberty Mutual | $123 | $90 |
| The General | $123 | $87 |
| The General | $123 | $93 |
| GEICO | $123 | $91 |
| Bristol West | $123 | $87 |
| GAINSCO | $124 | $87 |
| Safeco | $124 | $77 |
| Direct Auto | $124 | $90 |
| Mile Auto | $124 | $90 |
| Farmers | $124 | $86 |
| GEICO | $124 | $88 |
| The General | $125 | $91 |
| Bristol West | $125 | $91 |
| GAINSCO | $125 | $93 |
| Freedom National | $125 | $95 |
| Mercury | $125 | $87 |
| Bristol West | $126 | $92 |
| Direct Auto | $126 | $89 |
| GEICO | $126 | $92 |
| Clearcover | $126 | $95 |
| Travelers | $126 | $76 |
| Lone Star | $127 | $90 |
| Dairyland | $127 | $93 |
| USAA | $128 | $95 |
| Mercury | $128 | $85 |
| GAINSCO | $128 | $95 |
| Dairyland | $128 | $95 |
| Bristol West | $128 | $91 |
| Allstate | $128 | $99 |
| Direct Auto | $128 | $84 |
| GEICO | $128 | $65 |
| Allstate | $128 | $102 |
| Commonwealth Casualty | $129 | $91 |
| USAA | $129 | $84 |
| Mercury | $129 | $84 |
| Safeco | $129 | $83 |
| Direct Auto | $129 | $66 |
| Liberty Mutual | $129 | $95 |
| Safeco | $130 | $83 |
| GEICO | $130 | $84 |
| Direct Auto | $130 | $93 |
| Dairyland | $130 | $92 |
| Dairyland | $131 | $93 |
| Allstate | $131 | $96 |
| Anchor | $131 | $94 |
| Liberty Mutual | $131 | $67 |
| National General | $131 | $67 |
| Clearcover | $131 | $96 |
| Root | $132 | $98 |
| GEICO | $132 | $96 |
| Dairyland | $132 | $93 |
| Covercube | $132 | $94 |
| Progressive | $132 | $103 |
| Safeco | $133 | $89 |
| USAA | $133 | $100 |
| Safeco | $133 | $85 |
| USAA | $133 | $78 |
| Freedom National | $133 | $90 |
| The General | $133 | $100 |
| Farmers | $133 | $95 |
| Liberty Mutual | $133 | $95 |
| Dairyland | $133 | $97 |
| GAINSCO | $133 | $97 |
| Clearcover | $134 | $95 |
| Root | $134 | $100 |
| Insurify Car | $134 | $96 |
| Travelers | $135 | $69 |
| Safeco | $136 | $91 |
| Mile Auto | $136 | $100 |
| National General | $136 | $96 |
| Direct Auto | $136 | $100 |
| Bristol West | $136 | $96 |
| Elephant | $137 | $94 |
| State Farm | $137 | $103 |
| Chubb | $137 | $98 |
| Trexis | $137 | $98 |
| AssuranceAmerica | $138 | $97 |
| Root | $138 | $97 |
| The General | $138 | $72 |
| Embark | $138 | $108 |
| Direct Auto | $138 | $103 |
| Trexis | $139 | $99 |
| Safeco | $139 | $83 |
| Direct Auto | $139 | $103 |
| Auto-Owners | $139 | $98 |
| Root | $139 | $101 |
| The General | $139 | $103 |
| Commonwealth Casualty | $140 | $99 |
| GEICO | $140 | $102 |
| Direct Auto | $140 | $92 |
| GAINSCO | $140 | $99 |
| USAA | $141 | $106 |
| Dairyland | $141 | $97 |
| Liberty Mutual | $142 | $103 |
| Dairyland | $143 | $98 |
| National General | $143 | $105 |
| Mendota | $143 | $102 |
| Chubb | $143 | $97 |
| USAA | $143 | $106 |
| Bristol West | $143 | $102 |
| AssuranceAmerica | $143 | $101 |
| First Acceptance | $143 | $97 |
| GEICO | $143 | $105 |
| GAINSCO | $144 | $107 |
| Farmers | $144 | $103 |
| Allstate | $144 | $118 |
| Kemper Special | $144 | $105 |
| State Farm | $144 | $108 |
| Travelers | $144 | $99 |
| Farmers | $144 | $103 |
| Travelers | $144 | $106 |
| State Farm | $145 | $103 |
| Safeco | $145 | $97 |
| Bristol West | $145 | $95 |
| Allstate | $145 | $113 |
| Progressive | $145 | $119 |
| State Auto | $145 | $113 |
| Bristol West | $146 | $107 |
| Insurify Car | $146 | $98 |
| Dairyland | $146 | $104 |
| State Auto | $146 | $113 |
| Allstate | $146 | $104 |
| Mendota | $146 | $104 |
| Dairyland | $146 | $103 |
| Allstate | $147 | $91 |
| Hugo | $147 | $97 |
| GEICO | $147 | $110 |
| Travelers | $147 | $104 |
| Safeco | $148 | $100 |
| Dairyland | $148 | $97 |
| State Farm | $148 | $89 |
| Sun Coast | $149 | $106 |
| Farmers | $150 | $106 |
| Root | $151 | $99 |
| Root | $151 | $111 |
| Progressive | $152 | $61 |
| CSAA | $152 | $104 |
| Insurify Car | $152 | $103 |
| Bristol West | $153 | $111 |
| Dairyland | $153 | $78 |
| Shelter | $153 | $114 |
| Travelers | $153 | $109 |
| Farmers | $153 | $105 |
| Root | $153 | $114 |
| Progressive | $153 | $120 |
| National General | $153 | $108 |
| Excepsure | $153 | $109 |
| Safeco | $153 | $99 |
| Direct Auto | $153 | $108 |
| The General | $153 | $118 |
| Clearcover | $154 | $112 |
| Safeco | $154 | $73 |
| Covercube | $154 | $110 |
| Dairyland | $154 | $112 |
| Direct Auto | $155 | $114 |
| Liberty Mutual | $156 | $110 |
| Insurify Car | $156 | $107 |
| NJM | $156 | $111 |
| GAINSCO | $156 | $115 |
| USAA | $157 | $103 |
| Liberty Mutual | $157 | $106 |
| Dairyland | $157 | $111 |
| Root | $157 | $108 |
| Allstate | $157 | $123 |
| Trexis | $158 | $126 |
| Kemper Rsvp | $158 | $115 |
| Allstate | $158 | $113 |
| GAINSCO | $158 | $115 |
| Shelter | $159 | $118 |
| Liberty Mutual | $159 | $109 |
| Loop | $159 | $113 |
| Allstate | $159 | $64 |
| Elephant | $159 | $112 |
| Direct Auto | $159 | $120 |
| Dairyland | $159 | $117 |
| Mendota | $160 | $114 |
| American Family | $160 | $118 |
| 21st Century | $160 | $118 |
| CSAA | $160 | $111 |
| Farmers | $161 | $117 |
| Country Financial | $161 | $117 |
| Root | $162 | $114 |
| Safeco | $162 | $106 |
| Liberty Mutual | $162 | $111 |
| CSAA | $162 | $119 |
| Insurify Car | $163 | $116 |
| Direct Auto | $163 | $115 |
| National General | $163 | $115 |
| State Auto | $164 | $118 |
| First Acceptance | $164 | $117 |
| GEICO | $164 | $98 |
| National General | $164 | $108 |
| Hugo | $165 | $120 |
| Bristol West | $165 | $118 |
| Dairyland | $165 | $118 |
| Direct Auto | $166 | $122 |
| GAINSCO | $166 | $122 |
| Farmers | $166 | $118 |
| Safeco | $166 | $106 |
| Bristol West | $166 | $114 |
| Travelers | $166 | $124 |
| Bristol West | $167 | $120 |
| Root | $167 | $110 |
| Travelers | $168 | $120 |
| CSAA | $168 | $119 |
| The General | $168 | $128 |
| Insurify Car | $169 | $128 |
| Liberty Mutual | $169 | $119 |
| Shelter | $169 | $123 |
| Shelter | $170 | $121 |
| Dairyland | $170 | $125 |
| USAA | $171 | $112 |
| Safeco | $171 | $109 |
| Mendota | $172 | $116 |
| Bristol West | $172 | $128 |
| Safeco | $172 | $102 |
| Farmers | $172 | $128 |
| Farmers | $173 | $122 |
| Hugo | $173 | $117 |
| Trexis | $174 | $135 |
| Insurify Car | $174 | $124 |
| State Farm | $174 | $89 |
| AssuranceAmerica | $175 | $129 |
| Sun Coast | $176 | $139 |
| Liberty Mutual | $176 | $131 |
| Safeco | $176 | $119 |
| Safeco | $176 | $117 |
| The Hartford | $178 | $121 |
| Liberty Mutual | $178 | $132 |
| Dairyland | $178 | $117 |
| Dairyland | $179 | $133 |
| Liberty Mutual | $179 | $133 |
| Travelers | $179 | $132 |
| Farmers | $180 | $121 |
| Country Financial | $180 | $136 |
| Mercury | $180 | $128 |
| Chubb | $181 | $119 |
| Liberty Mutual | $181 | $119 |
| AssuranceAmerica | $182 | $134 |
| Progressive | $182 | $113 |
| Shelter | $182 | $129 |
| Insurify Car | $183 | $143 |
| Hugo | $184 | $147 |
| Trexis One | $184 | $131 |
| State Auto | $184 | $130 |
| Liberty Mutual | $185 | $136 |
| Safeco | $185 | $111 |
| National General | $186 | $139 |
| Auto-Owners | $186 | $135 |
| Bristol West | $186 | $140 |
| Root | $186 | $140 |
| Allstate | $186 | $146 |
| Insurify Car | $186 | $145 |
| Travelers | $187 | $136 |
| Clearcover | $188 | $147 |
| Allstate | $188 | $154 |
| Progressive | $189 | $115 |
| Bristol West | $189 | $139 |
| GEICO | $189 | $141 |
| Liberty Mutual | $189 | $141 |
| Mercury | $190 | $132 |
| Plymouth Rock | $190 | $132 |
| Allstate | $190 | $118 |
| Trexis One | $190 | $152 |
| Bristol West | $191 | $140 |
| Liberty Mutual | $192 | $125 |
| The General | $194 | $147 |
| State Auto | $195 | $139 |
| GAINSCO | $195 | $128 |
| Liberty Mutual | $195 | $128 |
| CSAA | $195 | $145 |
| Allstate | $195 | $158 |
| Liberty Mutual | $196 | $129 |
| Travelers | $197 | $139 |
| Dairyland | $197 | $147 |
| Liberty Mutual | $199 | $140 |
| Dairyland | $199 | $146 |
| GEICO | $199 | $148 |
| Root | $200 | $147 |
| Root | $200 | $141 |
| Chubb | $200 | $141 |
| Hugo | $200 | $143 |
| Hugo | $201 | $136 |
| Clearcover | $202 | $154 |
| AssuranceAmerica | $202 | $147 |
| State Auto | $202 | $138 |
| Insurify Car | $202 | $144 |
| Farmers | $203 | $149 |
| Trexis One | $203 | $158 |
| Progressive | $203 | $166 |
| State Auto | $203 | $154 |
| Root | $204 | $146 |
| Mendota | $204 | $161 |
| Liberty Mutual | $204 | $148 |
| The General | $205 | $159 |
| GAINSCO | $205 | $154 |
| Allstate | $205 | $162 |
| Farmers | $206 | $145 |
| Allstate | $206 | $168 |
| Mercury | $206 | $144 |
| Hugo | $206 | $165 |
| AssuranceAmerica | $207 | $156 |
| Direct Auto | $207 | $153 |
| National General | $208 | $153 |
| Progressive | $208 | $168 |
| CSAA | $208 | $156 |
| CSAA | $208 | $157 |
| Travelers | $208 | $157 |
| Allstate | $209 | $169 |
| Direct Auto | $209 | $157 |
| State Auto | $209 | $161 |
| Bristol West | $210 | $138 |
| Direct Auto | $210 | $138 |
| Safeco | $210 | $140 |
| Direct Auto | $211 | $159 |
| Direct Auto | $212 | $139 |
| Travelers | $212 | $158 |
| Root | $212 | $160 |
| Allstate | $213 | $132 |
| First Acceptance | $213 | $155 |
| GEICO | $215 | $158 |
| Trexis One | $215 | $176 |
| Covercube | $216 | $169 |
| Erie | $217 | $146 |
| Travelers | $218 | $160 |
| State Farm | $218 | $143 |
| National General | $218 | $161 |
| State Farm | $221 | $145 |
| Travelers | $222 | $166 |
| GAINSCO | $222 | $164 |
| 21st Century | $223 | $162 |
| Direct Auto | $224 | $166 |
| Direct Auto | $224 | $168 |
| Progressive | $225 | $178 |
| Trexis | $225 | $178 |
| Root | $225 | $167 |
| Root | $226 | $167 |
| National General | $227 | $168 |
| Mendota | $227 | $186 |
| GEICO | $228 | $151 |
| Hugo | $228 | $162 |
| Travelers | $228 | $168 |
| National General | $230 | $173 |
| GEICO | $231 | $172 |
| Progressive | $231 | $187 |
| Direct Auto | $231 | $173 |
| First Acceptance | $231 | $189 |
| Safeco | $232 | $155 |
| Liberty Mutual | $232 | $166 |
| National General | $233 | $175 |
| Insurify Car | $234 | $191 |
| Trexis | $234 | $191 |
| Root | $235 | $173 |
| State Farm | $235 | $157 |
| Liberty Mutual | $235 | $177 |
| Just Unlimited | $237 | $187 |
| Liberty Mutual | $238 | $168 |
| The General | $239 | $182 |
| Clearcover | $240 | $163 |
| Elephant | $241 | $158 |
| GEICO | $241 | $157 |
| USAA | $241 | $161 |
| Bristol West | $243 | $182 |
| Hugo | $243 | $189 |
| CSAA | $243 | $181 |
| Excepsure | $243 | $199 |
| CSAA | $244 | $160 |
| Safeco | $244 | $158 |
| GEICO | $244 | $159 |
| State Auto | $246 | $175 |
| Erie | $248 | $164 |
| AssuranceAmerica | $248 | $183 |
| Liberty Mutual | $248 | $183 |
| Bristol West | $251 | $163 |
| Travelers | $251 | $165 |
| Liberty Mutual | $253 | $178 |
| Dairyland | $253 | $187 |
| Root | $254 | $190 |
| Safeco | $254 | $152 |
| Safeco | $255 | $173 |
| Insurify Car | $256 | $205 |
| Travelers | $257 | $193 |
| Chubb | $257 | $183 |
| CSAA | $257 | $169 |
| First Acceptance | $259 | $203 |
| CSAA | $263 | $176 |
| National General | $265 | $174 |
| Hugo | $266 | $208 |
| Shelter | $269 | $201 |
| First Acceptance | $271 | $212 |
| Progressive | $275 | $171 |
| CSAA | $276 | $166 |
| Liberty Mutual | $279 | $207 |
| Insurify Car | $285 | $177 |
| Farmers | $288 | $213 |
| Chubb | $288 | $173 |
| GEICO | $291 | $216 |
| GAINSCO | $291 | $191 |
| Insurify Car | $291 | $228 |
| Travelers | $295 | $192 |
| Travelers | $297 | $195 |
| Mendota | $297 | $232 |
| Dairyland | $299 | $224 |
| Bristol West | $305 | $230 |
| Root | $306 | $201 |
| Bristol West | $308 | $228 |
| Liberty Mutual | $314 | $231 |
| Progressive | $315 | $202 |
| Mercury | $317 | $224 |
| Bristol West | $326 | $214 |
| Liberty Mutual | $328 | $247 |
| Bristol West | $331 | $244 |
| Hugo | $335 | $274 |
| American Family | $335 | $260 |
| Hugo | $336 | $248 |
| Hugo | $341 | $267 |
| Embark | $343 | $209 |
| Travelers | $344 | $255 |
| Progressive | $346 | $183 |
| State Farm | $347 | $260 |
| Liberty Mutual | $347 | $260 |
| Liberty Mutual | $348 | $261 |
| Liberty Mutual | $368 | $242 |
| CSAA | $379 | $249 |
| Liberty Mutual | $387 | $259 |
| Liberty Mutual | $407 | $306 |
| Amica | $409 | $261 |
| Bristol West | $432 | $260 |
| 21st Century | $442 | $273 |
| Travelers | $448 | $336 |
Best car insurance companies after a DWI in North Carolina
Approximately 0.77% of drivers in North Carolina have a DWI on their records, according to Insurify data. Although rates may vary based on your unique situation, we found that the following three insurers are among the best companies for drivers with DWIs in North Carolina.
Erie Insurance: Best for full coverage after a DWI in North Carolina
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.4
Best choice in North CarolinaBased on 593 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Based on analysis of verified reviews collected by Insurify
Best in North Carolina for
Showing 4 reviews from North Carolina driversSee all 243 Erie Insurance reviews
Verified Review
Reviewed in North Carolina on August 10, 2026
Low cost for the coverage offered.
Verified Review
Reviewed in North Carolina on February 21, 2026
Excellent company until they canceled my policy following a three-car accident for which I was not at fault and received no citations.
Verified Review
Reviewed in North Carolina on January 30, 2026
My current insurance, which cancels for a new company policy tomorrow, has been great in terms of the people, customer service, and thoughtfulness.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Erie has some of the cheapest full-coverage policies for drivers with a DWI in North Carolina. Besides low rates, Erie is also a top-ranked insurer for customer satisfaction, according to the 2026 J.D. Power Insurance Shopping Study. Plus, it has many optional coverages you can add to your policy for added protection, including coverage for your dog or cat if they’re hurt in an accident.
Pros
Low full-coverage rates after a DWI
Top-ranked for customer satisfaction in J.D. Power study
Multiple coverage add-ons available
Cons
Usage-based program not available in NC
Limited discounts in NC
No online quotes
Direct Auto: Best for usage-based insurance after a DWI in North Carolina
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $90/mo |
3.2
A solid option in North CarolinaBased on 1,923 verified driver reviews and ratings
Direct Auto's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.2 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
Based on analysis of verified reviews collected by Insurify
Best in North Carolina for
Showing 20 reviews from North Carolina driversSee all 561 Direct Auto reviews
Verified Review
Reviewed in North Carolina on October 29, 2026
Terrible. They raised my rate after I paid two weeks after I signed my policy.
Verified Review
Reviewed in North Carolina on October 20, 2026
Your underwriting department refused to accept any documents I sent to prove residency—not even my NC driver’s license or pay stub. I had no issues with my new company.
Verified Review
Reviewed in North Carolina on October 6, 2026
Insurance is too high for a ten-year-old car.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
North Carolina drivers tend to cover fewer miles than the national average each year, according to Insurify data. So if you live in the state and have a DWI on your record, enrolling in a usage-based insurance (UBI) program like Direct Auto’s DynamicDrive could help you save money.
When you enroll in DynamicDrive, you can save up to 10%. If you drive safely, you could save even more over time.
Pros
Usage-based coverage may reduce rates
Multiple discounts available
Optional coverage add-ons available
Cons
Below-average J.D. Power customer service ratings
Poor Trustpilot reviews
Liberty Mutual: Best for new-car owners after a DWI in North Carolina
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $106/mo |
3.6
A solid option in North CarolinaBased on 4,492 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best in North Carolina for
Showing 10 reviews from North Carolina driversSee all 2,064 Liberty Mutual reviews
Verified Review
Reviewed in North Carolina on October 18, 2026
For a good policy, it’s the cheapest I’ve had!
Verified Review
Reviewed in North Carolina on October 12, 2026
They canceled my policy and didn’t tell me the date I needed to make my last payment.
Verified Review
Reviewed in North Carolina on September 22, 2026
They refused to support my claim that I was not at fault when another vehicle sideswiped my car.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Nearly 30% of drivers in North Carolina have an outstanding car loan, according to Insurify data, highlighting the importance of protection for newer cars. With Liberty Mutual, drivers who have a DWI on their records don’t have to sacrifice protection. They can get relatively affordable coverage and add options like gap insurance and new car replacement coverage to their policies.
Pros
Offers gap insurance and new car replacement coverage
Multiple discounts available
Special rates for teachers, service members, and veterans
Cons
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
More expensive than some competitors for full coverage
Mixed customer reviews
How we chose the best companies
Our editorial team analyzed our proprietary data, more than 80,000 verified user reviews, and third-party industry ratings to choose the best insurers for drivers with a DWI in North Carolina. We also weight rate affordability, coverage options, available discounts, customer satisfaction rankings, and financial strength.
How to get car insurance after a DWI in North Carolina
After a DWI, follow these steps to get car insurance:
Complete court-ordered penalties. Pay any fines, complete community service or probation requirements, and follow the court’s rulings.
Undergo a substance use assessment. In North Carolina, anyone convicted of a DWI must complete a substance use assessment through an approved provider. You must undergo a substance use assessment to get your license reinstated.[4]
Enroll in an education or treatment program. North Carolina requires drivers convicted of a DWI to complete either an education or treatment program.
Shop for coverage. Not all insurers will work with a driver with a DWI on their record, so you may have to shop around and consider non-standard companies that specialize in insuring high-risk drivers.
Pay reinstatement fees. Contact the DMV to get your license reinstated and to pay the necessary fees.
Provide proof of insurance. Rather than SR-22 or FR-44 coverage, North Carolina requires drivers who are reinstating their license to file a DL-123 form, proving they have coverage that meets the state’s minimum liability requirements.[5]
Adjust your coverage, if appropriate. If your insurance premiums are too high after a DWI, consider reducing your coverage limits or dropping collision and comprehensive insurance if you have an older car.
Compare North Carolina Car Insurance Quotes
Full-coverage policies average $281/mo. for drivers with a DWI
Excellent
4.7 out of 5 based on 18,257 reviews
Secure. Free. Easy-to-use.
DWI laws in North Carolina
In North Carolina, you can be convicted of a DWI if you were driving under the influence of an impairing substance (which can include prescription medications), with a blood alcohol concentration (BAC) of 0.08% or higher, or if you were driving under the influence of a Schedule I controlled substance.
What are the penalties for DWI in North Carolina?
The consequences of a DWI are steep in North Carolina. Depending on the severity of the event, aggregating factors, and your driving record, you could face jail time, financial fines, and have to complete community service and continuous alcohol monitoring (CAM).
At a minimum, for a first offense, North Carolina suspends the licenses of drivers convicted of a DWI for at least one year. A second offense will lead to a four-year suspension, while a third or subsequent offense will lead to a permanent suspension.
Refusing to perform a chemical breathalyzer or blood test will result in an immediate suspension of your driver’s license for at least one year.
All drivers convicted of a DWI must complete a substance use assessment and education or treatment, and they may need to install an ignition interlock device on their vehicles. In addition, drivers may face the following penalties after a DWI in North Carolina, according to the North Carolina Sentencing and Policy Advisory Commission.[6]
Level | Sentence | If Suspended, Special Probation Requirements | Maximum Fine | |
|---|---|---|---|---|
| 3+ grossly aggravating factors | Level A1 | 12–36 months | Active term of at least 120+ days and 120 days of CAM | $10,000 |
| 2 grossly aggravating factors or driving with a minor or disabled person | 1 | 30 days to 24 months | Active term of at least 30 days or 10 days and 120 days of CAM | $4,000 |
| 1 grossly aggravating factor other than driving with a minor or disabled person | 2 | 7 days to 12 months | Active term of at least 7 days or 90 days CAM | $2,000 |
| Aggravating > Mitigating | 3 | 72 hours to 6 months | Active term of 72 hours and/or 72 hours of community service | $1,000 |
| Aggravating = Mitigating or None | 4 | 48 hours to 120 days | Active term of 48 hours and/or 48 hours of community service | $500 |
| Mitigating > Aggravating | 5 | 24 hours to 60 days | Active term of 24 hours and/or 24 hours of community service | $200 |
How long does a DWI stay on your record in North Carolina?
In North Carolina, a DWI will stay on your record permanently, and DWI convictions can’t be expunged, according to the North Carolina General Assembly. Although your record will always show the DWI conviction, the DWI affects your insurance points (and increases premiums) for only five years.
Expert’s insight
“North Carolina has some tough DWI laws and if you’re convicted of impaired driving, you could lose your license for a while. It’s important to maintain active insurance during that time, though, especially if you own a registered vehicle. A lapse in coverage can make it even harder and costlier to get coverage once you’re driving again.”
){kind=small}
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
SR-22 insurance in North Carolina
An SR-22 certificate is a form that your insurer files with the state to prove that you meet the minimum liability requirements to drive legally. Many states require this form for high-risk drivers with incidents on their record, such as a DWI. North Carolina uses Form DL-123 as proof that you have liability insurance.
To reinstate your license in North Carolina, you need to complete the court-ordered requirements, complete the substance use assessment and education or treatment plan, and obtain insurance with a DL-123 form.
Minimum car insurance requirements in NC after a DWI
Unlike some states, North Carolina doesn’t increase coverage requirements after a DWI. All drivers must have coverage that meets the state’s minimum requirements, regardless of their driving record.
In July 2025, North Carolina increased its minimum coverage requirements. All drivers must have policies that meet these coverage minimums:
$50,000 in bodily injury liability for one person
$100,000 in bodily injury liability for two or more people
$50,000 in property damage liability
All policies must also include uninsured/underinsured motorist coverage.
How long a DWI stays on your record varies by state. In North Carolina, a DWI stays on your record permanently, but it affects your car insurance rates for only five years.
Shop for Insurance After a DWI in North Carolina
See quotes from top insurers in minutes
Excellent
4.7 out of 5 based on 18,257 reviews
Secure. Free. Easy-to-use.
How to lower DWI insurance costs in North Carolina
Although car insurance premium increases are unavoidable after a DWI in North Carolina, you have some ways to lower your insurance rates:
Switch to a usage-based insurance (UBI) policy. On average, North Carolina drivers cover fewer miles per year than drivers in the rest of the country. If you tend to have a short commute or work from home — and maintain safe driving habits — enrolling in a UBI policy could help you save money.
Adjust your coverage. Dropping from a full-coverage policy to a basic liability-only policy could slash your premiums in half. Just keep in mind that dropping collision and comprehensive insurance can be risky if your car is expensive to repair or replace. Considering that 68% of North Carolina drivers own their vehicles, according to Insurify data, your car’s value is an important factor to keep in mind when making a decision on what coverage you need.
Increase your deductible. A higher deductible means you’ll pay more up front for a collision or comprehensive claim, but you’ll have lower premiums.
Shop around. Rates vary by insurer, so request quotes from several companies to find the best rates after a DWI.
DWI car insurance in North Carolina FAQs
After a DWI conviction, it’s important to take steps to get your license reinstated and insurance policy in place. The following information can help you as you shop for affordable coverage in North Carolina.
What is the cheapest car insurance company in North Carolina after a DWI?
The cheapest car insurance company in North Carolina after a DWI conviction is Erie, with an average monthly liability premium of $105.
How long will a DWI affect your car insurance premium in North Carolina?
In North Carolina, a DWI will affect your car insurance premiums for five years, but it’ll stay on your driving record permanently.
How much is DWI insurance in North Carolina?
On average, drivers in North Carolina who have a DWI on their records pay $171 per month for liability insurance. For full-coverage policies, drivers pay a monthly average of $281.
How do multiple DWIs affect your car insurance rates in North Carolina?
Multiple DWIs in North Carolina can cause your car insurance rates to skyrocket, and the state may suspend your license. Depending on the number of convictions, license suspensions can range from one year to permanent revocations.
Sources
- North Carolina Department of Insurance. "Changes to the Rating of Automobile Insurance Policies, Effective July 1, 2025."
- Insurance Institute for Highway Safety. "Fatality Facts 2024."
- North Carolina Department of Insurance. "Safe Driver Incentive Plan."
- North Carolina Department of Health and Human Services. "Driving While Impaired."
- North Carolina Department of Transportation. "License Suspensions."
- North Carolina Sentencing and Policy Advisory Commission. "DWI Sentencing."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
Related articles
)
Car Insurance for High-Risk Drivers in North Carolina
Erie offers the lowest rate for high-risk auto insurance in North Carolina, at an average of $71 per month for minimum coverage.
)
Gap Insurance in North Carolina
North Carolina doesn’t require drivers to have gap insurance, but consider it if you’re likely to be underwater on your vehicle loan or lease. You’ll find the cheapest coverage at Nationwide.
How Much Is Car Insurance in North Carolina?
Drivers in North Carolina pay an overall average of $1,090 per year for car insurance.
North Carolina Car Insurance Requirements in 2026
North Carolina drivers must carry at least $50,000 per person and $100,000 per accident in bodily injury liability coverage and $50,000 in property damage liability, plus uninsured/underinsured motorist coverage.
Rideshare Insurance in North Carolina: Costs, Requirements, and Best Companies
North Carolina state law doesn’t require Uber or Lyft drivers to carry rideshare insurance. But you must notify your insurance company if you plan to drive for a rideshare company.
Best Car Insurance in North Carolina
Erie, GEICO, and Progressive are among the best car insurance companies in North Carolina for price, coverage options, and customer satisfaction.
)
Cheap Car Insurance for Teen Drivers in North Carolina
Erie has the lowest average premium for North Carolina teens, at $97 per month.
)
Why Is Car Insurance So Expensive in North Carolina?
The average cost of car insurance in North Carolina is $92 per month, about 35% lower than the national average of $142.
)
Cheapest Liability Car Insurance in North Carolina
North Carolina drivers can find the cheapest liability-only car insurance from Erie, with rates of $54 per month.
Temporary Car Insurance in North Carolina (November 2026)
In North Carolina, a six-month policy is the minimum car insurance term. But if you need temporary auto insurance, a number of alternative options can meet your needs.
)
SR-22 Insurance in North Carolina: Cost, Requirements, and Cheapest Companies
The average cost of SR-22 coverage in North Carolina is $79 per month for a liability-only policy and $130 for full coverage.
)
Cheap Full-Coverage Car Insurance in North Carolina
North Carolina drivers can find the cheapest full-coverage car insurance from Allstate, with an average rate of $84 per month.
How Much Is Car Insurance for a 16-Year-Old in North Carolina?
The statewide average rate for 16-year-olds in North Carolina is $166. Parents must add their teen to their insurance policy before their child takes the road test to get a limited provisional license.
)
Non-Owner Car Insurance in North Carolina
North Carolina requires certain drivers to carry liability coverage even if they don’t own a car. Non-owner car insurance meets that requirement.
)
Car Insurance Grace Period in North Carolina: Are You Covered After Buying a Car?
If you already have car insurance in North Carolina, your policy gives you up to 30 days to add a car you just bought. If you don’t have an existing policy, you’ll need liability coverage in place before you drive your new car home.
Driving Without Insurance in North Carolina: Penalties and Next Steps
Driving without insurance in North Carolina is a Class 3 misdemeanor with fines, civil penalties, and other consequences. Purchase the state-minimum required insurance online or by calling an agent before getting behind the wheel in North Carolina.
Cheapest Car Insurance Quotes in North Carolina
Erie is the cheapest insurer in North Carolina, with an average monthly rate of $54 for liability-only coverage. Compare real car insurance quotes from top companies in North Carolina.
)
Cheapest Car Insurance Quotes in Asheville, North Carolina (November 2026)
Erie offers the cheapest car insurance in Asheville, at $43 per month for liability coverage. Asheville’s shorter commute times compared to the state average contribute to its lower rates.
)
Cheap Car Insurance Quotes in Cary, North Carolina (November 2026)
Erie offers the cheapest liability-only insurance in Cary, at an average of $47 per month. Semi-high rates of accidents can influence premiums.
)
Cheapest Car Insurance Quotes in Chapel Hill, North Carolina (November 2026)
The most affordable car insurance company in Chapel Hill is Erie, with an average liability-only rate of $44 per month. Chapel Hill’s relatively small population size and below-average commute time may contribute to its lower auto rates.
Cheapest Car Insurance Quotes in Charlotte, North Carolina (November 2026)
The cheapest auto insurer in Charlotte is Erie, with average monthly rates of $61 for liability insurance. Drivers in Charlotte pay the highest premiums in North Carolina due to greater population density, major congestion, and high theft rates.
)
Cheap Car Insurance Quotes in Concord, North Carolina (November 2026)
In Concord, the cheapest insurer for liability-only coverage is Erie, with a monthly rate of $63. Compared to nearby cities, coverage is relatively affordable thanks to Concord’s lower population density.
)
Cheap Car Insurance Quotes in Durham, North Carolina (November 2026)
The cheapest car insurance company in Durham is Erie, with an average monthly rate of $50 for liability coverage. Traffic congestion and crash risk on major roads in and around Durham can increase drivers’ accident exposure, which can contribute to higher insurance rates.
)
Cheap Car Insurance Quotes in Fayetteville, North Carolina (November 2026)
Erie and Progressive have some of the cheapest rates for Fayetteville drivers. Traffic congestion in this densely populated city may be a factor contributing to its above-average car insurance costs.
)
Cheap Car Insurance Quotes in Gastonia, North Carolina (November 2026)
Erie has the cheapest car insurance in Gastonia, with an average liability-only premium of $58 per month. Gastonia premiums are higher than the North Carolina average due to factors like a high crash rate on U.S. 321 and a high vehicle theft rate.
Cheapest Car Insurance Quotes in Greensboro, North Carolina (November 2026)
Erie offers some of the cheapest car insurance rates in Greensboro, at an average of $53 per month for liability coverage. The city’s population density and vehicle theft rates influence local auto premiums.
)
Cheap Car Insurance Quotes in Greenville, North Carolina (November 2026)
In Greenville, the cheapest insurer for liability-only coverage is Erie, with a monthly rate of $57. Greenville’s higher population density helps push its car insurance rates higher than the state average.
)
Cheap Car Insurance Quotes in High Point, North Carolina
The cheapest liability car insurance in High Point is from Erie, with an average rate of $56 per month. High Point’s population density may affect auto rates in the city.
)
Cheapest Car Insurance Quotes in Jacksonville, North Carolina (November 2026)
Erie is the cheapest insurer in Jacksonville, with an average cost of $48 per month for liability-only coverage. Jacksonville’s coastal location makes it at high risk for hurricanes and other strong windstorms.
)
Cheapest Car Insurance Quotes in Raleigh, North Carolina (November 2026)
At $51 per month, Erie is the cheapest insurer for liability coverage in Raleigh. The state capital is also a hub for business, education, and entertainment, so it sees heavy traffic year-round.
Cheap Car Insurance Quotes in Wilmington, North Carolina (November 2026)
Erie offers the cheapest car insurance in Wilmington, averaging $47 for minimum coverage. Wilmington’s coastal location and the state’s recent increased minimum insurance requirements likely affect car insurance costs in the city.
Writer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Writer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: David MarlettAdvisor
Reviewer: David MarlettAdvisor
Qualifications:
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.