North Carolina Car Insurance for High Risk Drivers (With Quotes)
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Written byJeanette Wisniewski
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Jeanette WisniewskiInsurance Writer
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
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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 byShawn Powers
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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Updated November 20, 2024
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Table of contents
Cheapest Insurance Companies for High Risk Drivers in North Carolina (2022)
For drivers that are high-risk 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 for drivers that are high-risk.
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 high-risk drivers 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. ▲▼ |
|---|---|
| Dairyland Insurance | $105 |
| American Family Insurance | $107 |
| Midvale Home & Auto | $120 |
| National General | $153 |
| Travelers | $162 |
| Safeco Insurance | $188 |
What Makes a Driver High-Risk in North Carolina?
In North Carolina, a high-risk driver is someone who disregards the rules of the road. This could mean a few different things but includes those who speed, have DUIs, and run red lights. This high-risk label also applies to people who have an at-fault accident on their record.
What else should you know about a high-risk designation? Car insurance companies know that high-risk drivers make more claims than drivers who play by the rules. For this reason, average monthly premiums for high-risk drivers are higher than for those without high-risk offenses.
North Carolina Car Insurance Rates for High-Risk Drivers
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 high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in North Carolina?
If you decide to ignore the rules of the road in North Carolina, you may find yourself lumped in the high-risk category by your insurance provider. High-risk drivers pay more for their insurance than drivers without any offenses. While monthly premiums for drivers without any offenses average out to $124, premiums for high-risk drivers can increase by as much as 38 percent.
In North Carolina, the high-risk behavior that will cost you the most is a failure to stop for a red light/stop sign. A failure to stop can add as much as $47 on top of your original rates. Since insurance companies usually keep rates high for three to five years, this can amount to $2,820 in extra insurance costs.
Driving History ▲▼ | 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. ▲▼ |
|---|---|
| No Violation | $124 |
| Speeding Ticket | $155 |
| At-Fault Accident | $148 |
| Reckless Driving | $139 |
| Failure to Stop | $171 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in North Carolina?
If your need for speed has gotten you in trouble in North Carolina, expect to see your insurance premiums increase by $31 a month. You may be able to dismiss your speeding ticket in this state or reduce points on your license by taking a defensive driving course.
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.
How Does an at-Fault Accident Impact Insurance Rates in North Carolina?
Recovering from the financial and physical consequences of an accident is hard. Once the dust settles though, more consequences await in the form of increased out-of-pocket costs for car insurance. The difference in policies between drivers with and without an at-fault accident on their record is $24 a month.
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.
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in North Carolina?
Not stopping at a red light could bring with it a host of consequences. A higher car insurance rate is really the least of your worries but still counts. Failing to stop costs drivers an extra $47 a month in premiums. Carry that extra amount over five years, and you'll end up spending an extra $2,820.
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.
Does Driving With a Suspended License Impact Car Insurance Rates in North Carolina?
If your driver's license has been suspended, it can be difficult to purchase insurance. In North Carolina, you may be required to reinstate your license or obtain a hardship license, used only for transportation to employment and household needs, before being allowed to purchase insurance in the first place.
Having your license suspended will also place you in the high-risk category, meaning you'll deal with the same price increases as other issues with your driving record.
Tips for Researching High-Risk North Carolina Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like North Carolina draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
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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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Jeanette WisniewskiInsurance Writer
Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.
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
Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
Featured in
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