- Which company has the cheapest car insurance in North Carolina for a bad driving record?
- How much is high-risk car insurance in North Carolina?
- What company offers the cheapest car insurance in North Carolina after a DUI?
- What is the cheapest car insurance in North Carolina with multiple tickets?
- Which company offers the cheapest insurance for reckless driving in North Carolina?
- Which company has the cheapest car insurance for drivers with bad credit in North Carolina?
- What company has the cheapest car insurance in North Carolina after an accident?
- Which city has the cheapest car insurance for high-risk drivers in North Carolina?
- How can high-risk drivers lower their car insurance rates in North Carolina?
- Compare North Carolina high-risk driver car insurance rates with other states
Which company has the cheapest car insurance in North Carolina for a bad driving record?
Drivers with a poor record in North Carolina will find the lowest rates from Erie Insurance, North Carolina Farm Bureau and Nationwide. Among these, Erie Insurance provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,205 annually.
If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Erie Insurance | $1,082 | $2,205 |
| North Carolina Farm Bureau | $1,217 | $2,707 |
| Nationwide | $1,513 | $2,742 |
| State Farm | $1,180 | $2,853 |
| GEICO | $1,617 | $3,407 |
| Progressive | $2,028 | $3,904 |
| Farmers | $2,028 | $3,948 |
| Allstate | $2,994 | $6,178 |
How much is high-risk car insurance in North Carolina?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In North Carolina, high-risk car insurance costs $3,558 per year. However, you can get rates as low as $2,205 annually from Erie Insurance.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| State Farm | $1,180 | $1,839 |
| Erie Insurance | $1,082 | $1,878 |
| North Carolina Farm Bureau | $1,217 | $1,935 |
| Nationwide | $1,513 | $3,118 |
| Progressive | $2,028 | $3,159 |
| Farmers | $2,028 | $3,186 |
| GEICO | $1,617 | $4,441 |
| Allstate | $2,994 | $6,998 |
PEOPLE ASK:
Who is considered a high-risk driver in North Carolina?
Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.
What company offers the cheapest car insurance in North Carolina after a DUI?
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $4,387 annually.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in North Carolina.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,180 | $4,387 |
| Erie Insurance | $1,082 | $4,528 |
| Nationwide | $1,513 | $5,629 |
| North Carolina Farm Bureau | $1,217 | $7,263 |
| GEICO | $1,617 | $7,299 |
| Progressive | $2,028 | $7,524 |
| Farmers | $2,028 | $7,656 |
| Allstate | $2,994 | $12,405 |
What is the cheapest car insurance in North Carolina with multiple tickets?
The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $1,644 annually or $137 monthly.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows North Carolina drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,180 | $1,644 |
| Erie Insurance | $1,082 | $1,682 |
| North Carolina Farm Bureau | $1,217 | $1,730 |
| Nationwide | $1,513 | $2,113 |
| GEICO | $1,617 | $2,538 |
| Progressive | $2,028 | $2,837 |
| Farmers | $2,028 | $2,856 |
| Allstate | $2,994 | $4,562 |
Key insight
Two minor tickets can sometimes cost you more on insurance in the end than one major violation.
Which company offers the cheapest insurance for reckless driving in North Carolina?
State Farm has the cheapest rates for drivers with reckless driving convictions at $1,937 a year.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,180 | $1,937 |
| Erie Insurance | $1,082 | $2,075 |
| North Carolina Farm Bureau | $1,217 | $2,141 |
| Nationwide | $1,513 | $2,555 |
| GEICO | $1,617 | $3,238 |
| Progressive | $2,028 | $3,483 |
| Farmers | $2,028 | $3,517 |
| Allstate | $2,994 | $5,643 |
Key insight
A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.
Which company has the cheapest car insurance for drivers with bad credit in North Carolina?
The cheapest North Carolina insurer for bad credit is Erie Insurance, with rates averaging $1,582 per year or $132 per month. The good news is that drivers with bad credit can still get affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects North Carolina car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Erie Insurance | $1,082 | $1,582 |
| North Carolina Farm Bureau | $1,217 | $1,649 |
| Nationwide | $1,513 | $1,929 |
| GEICO | $1,617 | $2,295 |
| Allstate | $2,994 | $5,333 |
| State Farm | $1,180 | $5,867 |
What company has the cheapest car insurance in North Carolina after an accident?
State Farm has the lowest average rates after an accident at $1,692 a year. Erie Insurance also offers affordable rates, averaging $1,730 per year.
Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.
This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| State Farm | $1,180 | $1,692 | $1,937 |
| Erie Insurance | $1,082 | $1,730 | $2,075 |
| North Carolina Farm Bureau | $1,217 | $1,781 | $2,141 |
| Nationwide | $1,513 | $2,904 | $3,434 |
| Progressive | $2,028 | $2,917 | $3,483 |
| Farmers | $2,028 | $2,938 | $3,517 |
| GEICO | $1,617 | $3,583 | $3,675 |
| Allstate | $2,994 | $5,811 | $7,747 |
Key insight
Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.
Which city has the cheapest car insurance for high-risk drivers in North Carolina?
Holly Springs has the cheapest car insurance rates in North Carolina at $3,109 per year. But the most expensive city is Bessemer City with rates of $4,033 per year.
Your location in North Carolina also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Holly Springs | $1,534 | $3,109 |
| Apex | $1,549 | $3,139 |
| Kill Devil Hills | $1,636 | $3,311 |
| Browns Summit | $1,663 | $3,355 |
| Cornelius | $1,693 | $3,445 |
| Stanley | $1,698 | $3,456 |
| Raleigh | $1,703 | $3,467 |
| Durham | $1,741 | $3,540 |
| Charlotte | $1,824 | $3,743 |
| Fayetteville | $1,901 | $3,895 |
| Garysburg | $1,946 | $3,956 |
| Bessemer City | $1,979 | $4,033 |
How can high-risk drivers lower their car insurance rates in North Carolina?
Finding affordable car insurance in North Carolina is possible, even with a bad driving record. Ways to lower car insurance rates include:
Where you live in North Carolina also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in North Carolina?
Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
All base rate averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:
- DUI
- Reckless driving
- Multiple speeding tickets
- Bad credit
- One at-fault accident over $2,000
Compare North Carolina high-risk driver car insurance rates with other states
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