Cheap Car Insurance for High-Risk Drivers in North Carolina:
Costs and Quotes (2021)

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Cheapest Insurance Companies for High Risk Drivers in North Carolina (2021)

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.

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
Average Monthly Cost
$124
$155
$148
$139
$171
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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
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.

$124
$155
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.

$124
$148
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.

$124
$171
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$47 ▴Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates 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.

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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Insurify Rate Comparison Methodology

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.