Getting Car Insurance After a DUI in North Carolina: Everything You Need to Know

Getting car insurance with a DUI can be tough, as insurers may drop you or choose to not renew your policy. If they do offer to insure you, you can expect to pay a higher rate. Post-DUI car insurance in North Carolina costs around $3,397 per year for full coverage, which is $2,556 higher than policies for drivers without a DUI.

Advertising & Editorial Disclosure
Last Updated: 11/3/2022
Written By     |  

The best car insurance provider for driving under the influence of drugs or alcohol (DUI) offenders in North Carolina for both full coverage and state-minimum policies is Nationwide. It is also the most affordable company for those who have a DUI, followed by State Farm and North Carolina Farm Bureau.

iconribbonBestAuto InsuranceAfter a DUI2022

Best Companies for DUI Insurance in 2022

In North Carolina, insurers are not legally required to provide car insurance for people with a DUI. While some do, it is fairly common to receive a rejection — and providers that do offer policies often tack on a hefty increase to offset the risk of giving car insurance to DUI offenders. Case in point, costs can increase by 303.82% in North Carolina for drivers with a DUI.

Drivers in North Carolina can be charged with a DUI conviction if they are found to have a blood alcohol content (BAC) of 0.08%. However, you can be charged for a lower BAC if you are noticeably impaired or cannot drive properly.

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

Cheapest Car Insurance Companies in North Carolina After a DUI

On a national level, the providers with the cheapest car insurance for DUI drivers are Progressive and State Farm. However, this can vary from state to state as a number of external factors are taken into account. In North Carolina, the top two most affordable car insurance for DUI offenders are Nationwide and State Farm.

Cheapest Companies for Full Coverage in North Carolina After a DUI

A full coverage policy provides the most financial protection against accidents, but it is a significant factor in the cost of your policy. For drivers with a DUI who want the most affordable full coverage policy in North Carolina, the cheapest options are:

  • Nationwide: $2,240 per year
  • State Farm: $2,572 per year
Cheapest Car Insurance for Full Coverage After a DUI

Scroll for more

swipe icon
  • Rank
    Company
    Annual Premium
  • 1
    Nationwide
    $2,240
  • 2
    State Farm
    $2,572
  • 3
    North Carolina Farm Bureau
    $2,743
  • 4
    Erie
    $2,848
  • 5
    GEICO
    $3,765

Cheapest Companies for Minimum Coverage in North Carolina After a DUI

For North Carolina drivers who truly want the cheapest car insurance with a DUI, a policy following state-minimums may be your choice. The cheapest providers in the state are:

  • Nationwide: $1,234 per year
  • State Farm: $1,457 per year
Cheapest Car Insurance for Minimum Coverage After a DUI

Scroll for more

swipe icon
tip icon
MONEYGEEK EXPERT TIP

Keep in mind that while policies following state-minimums can be affordable, they often do not provide enough financial protection against accidents. The level of car insurance you really need will depend on a number of factors, such as how expensive your car is and whether it is still on a loan. Generally, MoneyGeek recommends having the highest amount of liability coverage you can afford, with a good starting point being 100/300/100 in coverage.

Top Car Insurance Companies in North Carolina After a DUI

We chose our top companies based on a combination of affordability, customer satisfaction, financial stability and more. Nationwide is the best company in North Carolina for both full coverage and minimum coverage policies after getting a DUI.

Best Companies for Full Coverage in North Carolina After a DUI

The best car insurance companies for DUI policies in North Carolina are Nationwide and Erie, which both have good scores in claims ratings, customer satisfaction, affordability and financial stability. Review our rankings below to see why they’re the best in North Carolina.


1
NationwideBest full coverage after a DUI
Score:4.3

5/5

Affordability

4.5/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

On average, Nationwide charges $2,240 per year for car insurance after a DUI. This is 273.35% higher than the price of the same policy with no DUI, which stands at an average of $600 per year.

More About Nationwide

Nationwide is the best and most affordable post-DUI car insurance provider in the state. The company offers many common discounts such as bundling, anti-theft, automatic discounts and more that can help you lower your premiums.

2
Erie
Score:4.3

3.4/5

Affordability

4.5/5

Financial Stability

4.5/5

User Satisfaction

5/5

Claims

Geek Quick Take
Geek Quick Take

Erie’s post-DUI car insurance policies cost an average of $2,848 per year. Compared to the average cost of the same policy without a DUI, which is $716, this is 297.95% more expensive.

More About Erie

In North Carolina, Erie ranks as the second-best full-coverage car insurance for people with a DUI. While it is not the most affordable, the company offers several discounts to help you lower your costs. However, it does not offer gap insurance or roadside assistance.

Best Companies for Minimum Coverage in North Carolina After a DUI

Drivers in North Carolina looking for cheap car insurance with a DUI may opt for a policy following the state’s minimum requirements. However, note that these policies often do not offer the best protection in the event of an accident. However, if you value affordability, take a look at MoneyGeek’s top picks below.


1
NationwideBest minimum coverage after a DUI
Score:4

5/5

Stability

4/5

Satisfaction

4/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

Nationwide charges an average of $1,234 for car insurance after a DUI, which is $933 higher than the cost of the same policy for drivers with clean records.

More About Nationwide

Nationwide scores the highest in affordability and earns above-average scores in financial stability, customer satisfaction and claims. While the company does offer a good variety of discount opportunities, they do not provide certain add-ons such as new or better car replacement coverage.

2
Erie
Score:4

5/5

Stability

5/5

Satisfaction

5/5

Claims

3/5

Affordability

Geek Quick Take
Geek Quick Take

Erie charges an average of $1,574 per year for car insurance after a DUI. This is $1,191 higher than the cost of the same policy for drivers with a clean record.

More About Erie

Erie ranks as the second-best car insurance provider for someone with a DUI, earning the highest claims rating amongst other providers in North Carolina. The company also offers great add-on coverages, such as better car replacement and rental car reimbursement, but does not offer gap insurance or roadside assistance.

How Much Does Car Insurance Cost in North Carolina After a DUI?

In North Carolina, car insurance after a DUI costs an average of $3,397 per year for a full coverage policy. Compared to the same policy for a driver with a clean record, those with a DUI pay 303.82% more per year on average. Below you can compare the cost of full coverage insurance before and after a DUI.

How long does a DUI affect the cost of your car insurance?

wallet
Average Cost

Full Coverage

$841
insurance2
Average Cost with DUI

Full Coverage

$3,397
Full coverage policy premiums after a DUI cost::$2,556 more

This is 304% more expensive.

The cost of car insurance after a DUI is significantly higher because insurers will consider you a risky driver. For instance, a driver with a clean record is less likely to get into an altercation or accident compared to someone who has chosen to drive under the influence. Find out how your rates may change after a DUI using MoneyGeek's auto insurance calculator below.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

North Carolina
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

Nationwide
tip icon
MONEYGEEK EXPERT TIP

The cost of a DUI goes beyond increased premiums. Other costs can include:

  • Fines, court and attorneys' fees: The cost of hiring an attorney will often accompany a DUI charge, as well as fines and court fees.
  • Towing/impound fee: When your car is towed and impounded after being arrested, you must pay a fee.
  • Drug education and treatment: Alcohol or drug education programs are required by some states for DUI drivers, which can be an additional cost.
  • DMV reinstatement fee: You will have to pay a reinstatement fee if your license has been suspended.
  • Damages: In the event of an accident caused by your driving, the cost of property damage and medical care could be your responsibility.

Getting Car Insurance in North Carolina After a DUI

In some cases, auto insurance companies will not cover DUI-convicted drivers. Insurers are private businesses and can legally refuse to renew policies for DUI offenders.

On top of facing rejections, North Carolina’s seven-year look-back period can make it extra challenging for drivers with a DUI to get car insurance. This means seven years of increased rates, which is why it’s important to compare quotes and find the best rates for your insurance needs.

tip icon
MONEYGEEK EXPERT TIP

While other states may require SR-22 insurance after a DUI, North Carolina does not. However, there are still providers who offer better policies to high-risk drivers. The term high-risk driver doesn’t just refer to those with a DUI, it also includes young drivers or those who have old or vintage cars. If you have a high-risk driver profile, comparing quotes among providers is crucial to get the best rates and offers available to you.

North Carolina DUI Laws

Getting a DUI doesn’t just mean increased premium rates — it is also a criminal offense. This means potentially having to pay fines, receive a jail sentence, or perform community service. The severity of your punishment will depend on the level of your misdemeanor, with Level V being the lowest and Level I being the highest.

  • This is an icon

    Driving with a BAC at or above 0.08% is considered a DUI

    Blood alcohol content indicates the amount of alcohol in your bloodstream, which is what law enforcement uses to determine your alcohol intake while driving.

    In North Carolina, it is considered illegal to drive with a BAC of 0.08% or higher. However, you can be charged or arrested even if your BAC is lower but you are noticeably impaired or cannot drive well.

  • This is an icon

    Driving with a BAC of 0.15% will result in increased penalties

    Drivers who have been found with a BAC of 0.15% may receive more severe punishments. This includes requiring an ignition interlock device to be installed on the vehicle.

  • This is an icon

    Administrative license suspension on first offense

    If you receive a DUI in North Carolina for the first time, your license will be suspended for at least 30 days.

  • This is an icon

    Limited driving privileges during suspension

    Once you get a DUI charge, you can only continue to drive under a restricted license/permit after 10 days.

  • This is an icon

    Ignition interlock requirements

    If you have been found to have a BAC of 0.15% or higher, the state will require you to have an ignition interlock. This is a portable breathalyzer for car ignitions that prevents users from starting their vehicles after drinking alcohol.

  • This is an icon

    Open container laws

    North Carolina has an open container law, which means possessing or consuming alcohol in public places, including your car, is illegal.

  • This is an icon

    Repeat offender laws

    Drivers in North Carolina who have repeatedly driven under the influence can receive multiple DUI convictions. It can mean having a minimum active jail term of one year and going through a substance abuse program.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin

Frequently Asked Questions

Looking for car insurance after a DUI can be a challenge. Review the most commonly asked questions below to understand what you need and where to look first.

Methodology

To determine the top companies for individuals with DUIs in North Carolina, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources