How to Find the Best Car Insurance
for High Risk Drivers 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.

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.

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.

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.