- Cheapest car insurance for high-risk drivers in North Carolina
- Average rates for high-risk drivers in North Carolina by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in North Carolina
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in North Carolina is Nationwide, followed by Erie Insurance and Kemper Insurance.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $2,041 | $170 |
| Erie Insurance | $2,189 | $182 |
| Kemper Insurance | $2,297 | $191 |
| National General Insurance | $2,354 | $196 |
| North Carolina Farm Bureau | $2,380 | $198 |
| State Farm | $2,597 | $216 |
| Geico | $2,831 | $236 |
| Progressive | $3,363 | $280 |
| Allstate | $4,754 | $396 |
Average rates for high-risk drivers in North Carolina by driving record
Average cost of car insurance in North Carolina for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| Kemper Insurance | $1,860 |
| Erie Insurance | $1,865 |
| North Carolina Farm Bureau | $1,982 |
| Nationwide | $2,044 |
| State Farm | $2,058 |
| National General Insurance | $2,346 |
| Progressive | $2,949 |
| Geico | $3,781 |
| Allstate | $5,227 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in North Carolina for a driver with a DUI is National General Insurance with an average annual of $4,020 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| National General Insurance | $4,020 | $335 |
| Nationwide | $4,249 | $354 |
| Erie Insurance | $4,492 | $374 |
| Kemper Insurance | $4,571 | $381 |
| North Carolina Farm Bureau | $4,747 | $396 |
| State Farm | $5,078 | $423 |
| Geico | $6,904 | $575 |
| Progressive | $7,147 | $596 |
| Allstate | $9,938 | $828 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In North Carolina, the cheapest car insurance with multiple tickets is from Nationwide. It offers full coverage insurance at $1,582 per year or $132 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,582 | $132 |
| Erie Insurance | $1,670 | $139 |
| North Carolina Farm Bureau | $1,777 | $148 |
| State Farm | $1,826 | $152 |
| Kemper Insurance | $1,850 | $154 |
| Geico | $1,973 | $164 |
| National General Insurance | $1,988 | $166 |
| Progressive | $2,638 | $220 |
| Allstate | $3,381 | $282 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In North Carolina, Nationwide offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,865 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,865 | $155 |
| Kemper Insurance | $1,998 | $167 |
| Erie Insurance | $2,059 | $172 |
| State Farm | $2,174 | $181 |
| North Carolina Farm Bureau | $2,187 | $182 |
| National General Insurance | $2,595 | $216 |
| Geico | $2,698 | $225 |
| Progressive | $3,260 | $272 |
| Allstate | $4,255 | $355 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in North Carolina is Nationwide with an average annual cost of $1,386 or $116 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,386 | $116 |
| Geico | $1,461 | $122 |
| Erie Insurance | $1,569 | $131 |
| Kemper Insurance | $1,662 | $139 |
| North Carolina Farm Bureau | $2,019 | $168 |
| State Farm | $2,852 | $238 |
| Allstate | $4,186 | $349 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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