National General offers the most affordable car insurance for drivers with a DUI in the state, with monthly rates of $74 for minimum coverage. State Farm, Progressive and Nationwide also provide competitive rates.
DUI Car Insurance in North Carolina
Updated: December 3, 2025
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Key Takeaways
Our research reveals that National General offers the cheapest car insurance in North Carolina for DUI drivers at $74 per month.
Most drivers with a good credit score pay around $231 per month for minimum coverage and $493 per month for full coverage after a DUI.
After a DUI in North Carolina, you must file a DL-123 and carry at least 30/60/25 liability coverage. PIP isn’t required, but uninsured motorist coverage is mandatory.
Cheapest DUI Car Insurance in North Carolina
| National General | $74 | $277 |
| State Farm | $128 | $260 |
| Progressive | $166 | $269 |
| Nationwide | $199 | $412 |
| North Carolina Farm Bureau | $209 | $441 |
*Rates are for a 40-year-old driver with good credit insuring a 2012 Toyota Camry.
Compare Cheap Car Insurance With a DUI in North Carolina
Your profile may differ from the table above. The rates below show the cheapest car insurance for a DUI based on your coverage needs, age and credit score.
Data filtered by:
30-59
Good
State Minimum Liability Only
| National General | $74 | $887 |
| State Farm | $128 | $1,532 |
| Progressive | $166 | $1,995 |
| Nationwide | $199 | $2,385 |
| North Carolina Farm Bureau | $209 | $2,503 |
*A 100/300/100 liability-only coverage represents the minimum policy offered by most insurers that can satisfy North Carolina law for most drivers.
How Much Does DUI Car Insurance Cost in North Carolina?
DUI car insurance costs around $2,773 annually in North Carolina, depending on your driver profile. A DUI can raise your rates by as much as 280% compared to drivers without high-risk profiles. We've outlined the average costs for different coverage levels, credit scores and age groups below.
Data filtered by:
30-59
Good
State Minimum Liability Only
| $231 | $2,773 | $170 | $2,043 | 280% |
*A 100/300/100 with no comprehensive and collision coverage represents the minimum coverage policy offered by most insurers that can satisfy North Carolina law for most drivers.
HOW LONG DOES A DUI AFFECT CAR INSURANCE IN NORTH CAROLINA?
DUI convictions remain on your North Carolina driving record for up to seven years (or ten years for felony DUIs). Insurance companies charge higher rates for three years under the SDIP program. Some insurers treat you as a higher-risk driver for five to seven years.
Additional Costs to Consider When Having a DUI in North Carolina
Car insurance rates increase after a DUI, but other costs add up quickly. Here's what you'll pay:
- Fines and fees. North Carolina requires drivers to pay court-imposed fines after a DUI conviction, ranging from $200 to $10,000 depending on the severity of the offense (Level 5 to Aggravated Level 1) and any prior history. Court costs and administrative fees add another $190 to $200.
- Towing/impound fee. Your vehicle is towed and stored after arrest. Expect to pay $100 to $250 for towing, plus $20 to $40 per day in impound storage fees.
- Drug education and treatment. DUI offenders must complete a substance use assessment (around $100) and attend ADETS (Alcohol and Drug Education Traffic School), which costs $160 to $260. More intensive treatment costs more, depending on the provider.
- DMV reinstatement fee. License reinstatement requires a $167.75 DWI reinstatement fee, an $83.50 license restoration fee and a $50 service fee. Civil revocation fees of $100 apply if your license was suspended immediately after arrest.
- Attorney fees and damages. If you caused an accident while driving under the influence, you're responsible for any medical or property damage. Legal representation costs $2,500 to over $10,000.
- Ignition interlock device. Required for some DUI convictions with a BAC of 0.15 or higher, installation costs $70 to $150, with monthly monitoring fees of $60 to $80. North Carolina requires a 45-day no-driving period before an interlock device can be installed.
- Probation supervision and testing. If placed on supervised probation, you pay around $40 per month and additional costs for drug testing or monitoring.
North Carolina DUI Car Insurance Requirements
After a DUI conviction in North Carolina, drivers may be required to file a DL-123 form to prove they carry valid car insurance. This form must be submitted to the North Carolina DMV before your license can be reinstated. Although North Carolina doesn’t impose a fixed DL-123 filing period like other states do with SR-22s, your insurer will notify the DMV of any lapse in coverage, which could impact your license status.
The state requires minimum liability coverage of $30,000 for bodily injury per person, $60,000 per accident and $25,000 for property damage. North Carolina does mandate uninsured/underinsured Motorist (UM/UIM) coverage at the same limits as your bodily injury liability.
MONEYGEEK EXPERT TIP
Starting July 1, 2025, North Carolina’s minimum liability limits will increase to $50,000 for bodily injury per person, $100,000 per accident and $50,000 for property damage. Drivers with DUIs should review their coverage to ensure compliance when the change takes effect.
Other North Carolina DUI Laws To Know
North Carolina does not require SR-22 filings, but drivers must file a DL-123 form to prove they carry valid car insurance after a DUI. The state also enforces specific rules around license reinstatement, education requirements and vehicle impoundment.
Fines
Drivers convicted of DUI in North Carolina can expect to face significant financial penalties. Fines for a DUI can range from $200 to $4,000, depending on the severity of the offense and the number of prior convictions. These fines are separate from any court costs, attorney fees, and increased insurance premiums that may also result from a DUI conviction.
Imprisonment and release
A DUI conviction may result in jail time, with sentences ranging from 24 hours to two years, depending on the offense level. Some individuals may be eligible for a limited driving privilege after a mandatory no-driving period, but this is subject to court approval and may require a substance use assessment and installation of an ignition interlock device.
Impounding of vehicles
In some cases, the vehicle involved in a DUI arrest may be seized and impounded, especially if the driver had a revoked license or lacked insurance at the time of the offense. Impoundment may last a minimum of 10 days, with storage fees accumulating daily. If not resolved, the vehicle may eventually be forfeited and sold by the state.
Suspension periods
A DUI conviction results in a driver’s license suspension, which can range from 30 days to permanent revocation for repeat offenders. Reinstating driving privileges typically involves completing a substance abuse assessment, finishing a required education or treatment program, installing an ignition interlock device if required, and paying reinstatement fees to the DMV.
DUI education requirements
North Carolina mandates that DUI offenders complete a substance use assessment and either an Alcohol and Drug Education Traffic School (ADETS) program or a more intensive treatment plan. These steps are required before a driver can regain their license and are designed to reduce the risk of future offenses.
How to Get the Best Cheap North Carolina Car Insurance With a DUI
These tips help you secure affordable DUI car insurance in the state. If traditional coverage options aren't available, you'll find alternative steps below.
- 1Understand your needs
After a DUI in North Carolina, you'll see higher coverage requirements. Consider additional coverage beyond the minimum based on your income, location and driving habits. Use our auto insurance coverage needs calculator for guidance.
- 2Research costs and discounts
Average car insurance rates vary by area and driver profile, including DUI status. DUI-specific discounts aren't available, but insurers offer small savings for online quote submissions or paying upfront. North Carolina's defensive driving courses can reduce your premiums.
- 3Compare multiple providers
We've highlighted several affordable options, but shopping around remains important. Request quotes from multiple insurers and compare the same coverage levels.
- 4Use state high-risk car insurance programs if denied
Standard insurers sometimes deny coverage after a DUI. North Carolina participates in a high-risk insurance program through the North Carolina Reinsurance Facility (NCRF). Managed by AIPSO, this program helps high-risk drivers, including those with DUIs, obtain required auto insurance coverage.
- 5Make lifestyle or vehicle changes
Improving your credit score is one of the most effective ways to lower your insurance premiums. In North Carolina, drivers with poor credit and a DUI pay much more than those with good credit, even for basic coverage. If you're considering a new vehicle, look at a cheaper car to insure, such as a reliable used model.
- 6Consider non-traditional coverage types
If you drive fewer than 7,000 miles per year, a pay-per-mile program can reduce your costs. Some insurers offer usage-based discounts. Certain automakers now provide in-house insurance that's sometimes more affordable than traditional policies.
Cheap DUI Insurance in North Carolina: Bottom Line
For North Carolina drivers with a DUI, the most affordable car insurance providers are National General, State Farm and Progressive. While these are our findings, we urge you to also compare rates, delve into costs, and determine your required coverage to secure the best deal.
DUI Insurance in North Carolina: FAQ
Below, you'll find MoneyGeek's expert answers to common questions about DUI insurance in the Tar Heel State.
Who has the cheapest car insurance for North Carolina drivers with a DUI?
For North Carolina drivers with a DUI, the cheapest providers are National General, State Farm and Progressive.
How much does a DUI increase rates in North Carolina?
A DUI in North Carolina can increase your rates by roughly 280% for state minimum coverage and up to 290% for full coverage.
How much does DUI car insurance in North Carolina Cost?
In North Carolina, the average monthly cost for minimum coverage after a DUI is $231. For full coverage, expect to pay around $493 per month.
How We Chose the Cheapest Car Insurance for North Carolina's DUI Drivers
To determine the top companies for drivers with DUIs in North Carolina, MoneyGeek analyzed each company's financial stability, customer satisfaction, claims and affordability based on data from state insurance departments and Quadrant Information Services.
The rates above reflect a 40-year-old male with and without a DUI driving a 2012 Toyota Camry LE with 12,000 annual miles. We modified this base profile to create the other profiles presented.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- AIPSO. "North Carolina Reinsurance Facility (NCRF)." Accessed June 26, 2025.