Our analysis shows that for high-risk car insurance in the North Carolina, North Carolina Farm Bureau is the most affordable for young drivers, senior drivers, and those with speeding tickets, accidents, or bad credit. For drivers with a DUI, National General offers the lowest rates.
High-Risk Car Insurance NC
Updated: May 20, 2025
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Key Takeaways
For high-risk drivers seeking affordable car insurance in North Carolina, North Carolina Farm Bureau, Erie and Progressive offer the most competitive rates for minimum and full coverage options.
Annual premiums for high-risk drivers can vary widely, with the lowest rate starting at $594 and the highest reaching up to $7,243, depending on individual circumstances.
To secure the best deal on high-risk car insurance, identify your coverage needs, research average costs and available discounts, and compare quotes from multiple insurance providers.
Cheapest Car Insurance for High-Risk Drivers in NC
| North Carolina Farm Bureau | Young Drivers | $40 |
| North Carolina Farm Bureau | Senior Drivers | $32 |
| North Carolina Farm Bureau | Drivers With a Speeding Ticket | $32 |
| North Carolina Farm Bureau | Drivers With an Accident | $30 |
| National General | Drivers With a DUI | $69 |
| North Carolina Farm Bureau | Drivers With Bad Credit | $30 |
| North Carolina Farm Bureau | Drivers With Bad Credit And Driving Violations | $43 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap NC High-Risk Car Insurance Providers
While our above table offers a look at the cheapest options for high-risk insurance, it doesn't cover every driver's unique needs. Below, you'll find a table to compare rates from top providers, helping you find the best fit for your requirements.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| North Carolina Farm Bureau | $72 | $864 |
| Erie | $78 | $933 |
| Progressive | $93 | $1,119 |
| State Farm | $112 | $1,350 |
| National General | $152 | $1,824 |
How Much is High-Risk Car Insurance in NC?
Overall, high-risk car insurance costs in North Carolina can range anywhere from $48 to $604, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
| $50 | $594 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you're driving in the North Carolina and get a ticket, you might worry about the impact on your insurance. Serious violations like DUIs or reckless driving have an up-to-10-year effect. Smaller violations have an effect of around three to five years. Each insurance company has its own rules, so how long you'll pay more can vary.
North Carolina High-Risk Car Insurance: Buyer's Guide
Securing car insurance can be challenging for high-risk drivers. This guide explains why insurers might label you high-risk, how to find affordable coverage, and steps to take if you're denied by most providers.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in NC
Below, you'll find key tips to help you save money and choose the best high-risk car insurance provider in the Tar Heel State.
- 1
Decide What Coverage You Need
To prevent being influenced by popular opinion or persuasive agents, determine the type of car insurance suited to your needs before comparing companies. Consider add-ons like rideshare coverage and roadside assistance if necessary. Utilize our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Understanding average costs for your profile and potential discounts is key to evaluating what offers from providers are truly beneficial. Explore opportunities such as taking a state-certified defensive driving course, which could provide savings of up to 10% on your premiums.
- 3
Consider Non-Traditional Coverage Options
Exploring pay-per-mile or other usage-based car insurance programs may lead to significant savings, especially if you drive safely and cover low mileage. Companies like Geico offer telematics programs, which track your driving behavior and have the potential to reduce your auto policy rates by up to 30%.
- 4
Compare Multiple Providers
After assessing your options, compare offerings from at least three different providers for a comprehensive view of what’s available. Use multiple methods, such as independent brokers and online comparison sites, to account for rate differences. Ensure comparisons are consistent to accurately evaluate how insurers measure up.
What To Do if You Get Denied Coverage in North Carolina
Insurance is a voluntary market, so car insurers can refuse coverage if they find you too risky. If denied, you can explore a residual market plan through the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Office Hours
N/A
N/A
Phone
(919) 783-9790
Fax
N/A
Mailing Address
2910 Sumner Boulevard
Raleigh, NC 27616
Car Insurance for High-Risk Drivers in NC: Bottom Line
Based on our research, the three cheapest companies for high-risk insurance in North Carolina are North Carolina Farm Bureau, Erie, and Progressive. While this is a good starting point, we recommend doing your own research to compare costs and find the best deal. If you're denied coverage, don't worry—there are programs available to help you secure affordable insurance.
NC Car Insurance for High-Risk Drivers: FAQ
Below, find answers to common questions about high-risk car insurance in North Carolina.
What is the cheapest high-risk car insurance provider in North Carolina?
The cheapest high-risk car insurance provider in North Carolina is the National General, especially for drivers with a DUI.
The cheapest rate for monthly high-risk car insurance in North Carolina is $30 with North Carolina Farm Bureau for drivers with an accident.
What do I do if I get denied for coverage?
If denied coverage, seek assistance from AIPSO for accessible insurance options tailored for high-risk drivers needing protection.
How much more expensive is high-risk car insurance in North Carolina?
High-risk car insurance in North Carolina for drivers between 30 and 50 can cost up to 460% more than minimum coverage for those with a clean record. For full coverage, the increase can be as high as 290%.
How We Chose The Cheapest High-Risk Car Insurance in North Carolina
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state's minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.