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.
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.
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.
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.
|Average Percent Increase After DUI|
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.
|Most Expensive State for DUI (1-50)|
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''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.
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.
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.