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North Carolina Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Stephen DeFord
Last Updated March 9, 2022
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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 |
|---|---|
| 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
No Violation$124
Reckless Driving$139
At-Fault Accident$148
Speeding Ticket$155
Failure to Stop$171
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 |
|---|---|
| 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.
No Violation - Avg. Monthly Rate$124
Speeding ticket - Avg. Monthly Rate$155
$31 ▴
Avg. Monthly Rate Increase
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.
No Violation - Avg. Monthly Rate$124
Speeding ticket - Avg. Monthly Rate$148
$24 ▴
Avg. Monthly Rate Increase
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.
No Violation - Avg. Monthly Rate$124
Speeding ticket - Avg. Monthly Rate$171
$47 ▴
Avg. Monthly Rate Increase
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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.
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
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.
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.
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.
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
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
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.