High-Risk Car Insurance NC

North Carolina Farm Bureau offers the lowest rates for most high-risk driver categories in North Carolina. The insurer provides the cheapest coverage for young drivers, seniors and drivers with speeding tickets, accidents or bad credit. National General offers the lowest rates for drivers with a DUI.

*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.

The table below shows rates from top providers for high-risk drivers. Use the filters to see pricing for your specific profile.

High-risk car insurance costs in North Carolina range from $48 to $604 monthly, depending on your age, driving record and credit history. Filter the table below to compare average pricing for your profile.

Securing affordable car insurance as a high-risk driver requires understanding why insurers classify you as high-risk and knowing where to find coverage if standard insurers deny you.

• Drivers with a history of traffic violations or at-fault accidents
• You have a DUI conviction
• You are caught driving with a suspended or revoked license
• Young drivers with a lack of driving experience
• Senior drivers over 60
• People who drive sports cars or participate in drag racing
• Individuals with bad credit or lapses in insurance coverage

We have tips to help you save money and find the right high-risk car insurance provider in North Carolina.

Insurers can refuse coverage if they consider you too risky. If denied, contact the Automobile Insurance Plan Service Office (AIPSO) for options.

North Carolina Farm Bureau, Erie and Progressive offer the most affordable high-risk insurance in North Carolina based on our analysis. 

Compare rates from multiple insurers to find your best deal. If standard insurers deny you coverage, AIPSO provides residual market options to help you secure required insurance.

Here are answers to some common questions about high-risk car insurance in North Carolina.

North Carolina drivers face unique insurance challenges from the state's Safe Driver Incentive Plan that creates steep surcharges for violations, coastal hurricane exposure affecting comprehensive coverage, and urban-rural cost disparities that create significant rate variations statewide. We built this analysis to show you what you'll actually pay based on your driving profile, risk factors, and coverage choices.

We analyzed average rates using full coverage policies with 100/300/100 liability limits and comprehensive and collision coverage with a $1,000 deductible. For minimum coverage, rates were based on North Carolina's state-required limits that satisfy legal requirements but often leave you financially exposed after serious accidents.

Our base driver profile included a 40-year-old driver logging 12,000 annual miles with a clean driving record and good credit. We then adjusted this profile to represent high-risk drivers, including young drivers, seniors, and those with poor credit or a history of accidents, speeding tickets, or DUIs. To get a well-rounded view, we also looked at combinations of these factors to keep our recommendations accurate and personalized, since real-world drivers often face multiple challenges simultaneously.

North Carolina's Safe Driver Incentive Plan creates unique pricing dynamics where violations trigger mandatory surcharges on top of premium increases, making the cost impact of accidents or tickets more severe than many states. The state's coastal exposure means comprehensive coverage becomes particularly important for hurricane-prone areas, while inland drivers face different risk profiles. Our analysis shows you how each risk factor independently affects your premiums under North Carolina's regulated system and how insurers price different combinations of challenges, helping you understand what you'll pay whether you're a clean-record driver seeking the lowest rates or a high-risk driver working to find affordable coverage in the state's structured insurance market.