Cheapest car insurance for drivers with an incident
A driving incident includes at-fault accidents, speeding tickets, driving under the influence (DUI) convictions, or other moving violations. Every time you’re involved in a driving-related incident in North Carolina, the state assigns SDIP points to your record, which results in rate increases.
Here’s how much North Carolina car insurance costs based on driving history.
Cheapest car insurance for drivers with a speeding ticket: Midvale Home & Auto
In North Carolina, receiving one speeding ticket could cause your insurance premiums to increase by 30%. However, the exact increase will vary depending on how much you exceed the posted speed limit.[2]
The cheapest insurer for drivers with a speeding ticket in North Carolina is Midvale Home & Auto, but the table below shows other cheap options for you to consider.
The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
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Midvale Home & Auto | $35 | $49 |
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Erie | $41 | $57 |
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Nationwide | $41 | $56 |
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GEICO | $46 | $62 |
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Liberty Mutual | $50 | $74 |
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Travelers | $51 | $70 |
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Safeco | $53 | $73 |
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Direct Auto | $53 | $72 |
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Dairyland | $54 | $74 |
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Allstate | $55 | $75 |
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Progressive | $57 | $78 |
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National General | $64 | $86 |
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State Farm | $67 | $90 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Midvale Home & Auto
Drivers with a history of at-fault accidents can expect to see their rates increase, and in North Carolina, your rates could go up by 30%. How much your rates increase depends on the damage and injuries you cause in the accident.[2]
The cheapest insurer for drivers with an at-fault accident in North Carolina is Midvale Home & Auto.
The table below shows the most affordable car insurance companies with at-fault accidents.
The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
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Midvale Home & Auto | $35 | $53 |
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Erie | $41 | $60 |
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Nationwide | $41 | $59 |
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GEICO | $46 | $66 |
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Liberty Mutual | $50 | $78 |
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Travelers | $51 | $73 |
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Safeco | $53 | $74 |
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Direct Auto | $53 | $77 |
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Dairyland | $54 | $77 |
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Allstate | $55 | $79 |
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Progressive | $57 | $83 |
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National General | $64 | $92 |
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State Farm | $67 | $95 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Midvale Home & Auto
In North Carolina, driving while impaired or with a blood-alcohol concentration level (BAC) of 0.08 or higher is illegal. The first offense could result in a $4,000 fine and a minimum of 30 days in jail. And judges can’t suspend the minimum sentence requirements.[3]
After a DUI, your insurance premiums could increase by as much as 340%.[2] The cheapest insurer for drivers with a DUI in North Carolina is Midvale Home & Auto, but check out the table below for other cheap options.
The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
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Midvale Home & Auto | $35 | $61 |
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Erie | $41 | $72 |
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Nationwide | $41 | $72 |
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GEICO | $46 | $80 |
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Liberty Mutual | $50 | $87 |
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Travelers | $51 | $89 |
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Safeco | $53 | $93 |
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Direct Auto | $53 | $93 |
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Dairyland | $54 | $94 |
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Allstate | $55 | $96 |
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Progressive | $57 | $100 |
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National General | $64 | $112 |
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State Farm | $67 | $117 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.