- Cheapest car insurance in North Carolina for a bad driving record
- How much is high-risk car insurance in North Carolina?
- Cheapest car insurance in North Carolina with a DUI
- Cheapest car insurance in North Carolina with multiple tickets
- Cheapest car insurance in North Carolina with a reckless driving conviction
- Cheapest car insurance in North Carolina with bad credit
- Cheapest car insurance after an accident in North Carolina
- Cheapest car insurance in North Carolina by city
- How to reduce car insurance rates in North Carolina for a bad driving record
- Compare North Carolina high-risk driver car insurance rates with other states
Cheapest car insurance in North Carolina for a bad driving record
Erie Insurance, North Carolina Farm Bureau, Nationwide offers affordable car insurance for high-risk drivers with bad driving record in North Carolina.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay 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 bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $3,558 in North Carolina, you can find rates as low as $2,205 from Erie Insurance.
Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.
Keep reading as we break down high-risk car insurance factors and rates.
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 high-risk for insurance 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.
Cheapest car insurance in North Carolina with a DUI
While many insurers offer coverage after a DUI, State Farm has the lowest rate at $4,387.
Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.
The table below shows the average car insurance rates for a clean record vs. 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 |
Cheapest car insurance in North Carolina with multiple tickets
State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,644 or $137.
While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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 |
Cheapest car insurance in North Carolina with a reckless driving conviction
Drivers with reckless driving conviction can get the cheapest rates from State Farm at $1,937.
You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.
The table below compares car insurance rates for drivers with a clean driving record and 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 |
Cheapest car insurance in North Carolina with bad credit
Erie Insurance offers the cheapest rates for drivers with poor credit at $1,582 or $132. However,drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.
Check out 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 |
Cheapest car insurance after an accident in North Carolina
State Farm and Erie Insurance have the lowest car insurance rates after an accident at $1,692 and $1,730, respectively.
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 |
Cheapest car insurance in North Carolina by city
Holly Springs has the cheapest car insurance rates in North Carolina at $3,109. But the most expensive city is Bessemer City with rates of $4,033.
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 to reduce car insurance rates in North Carolina for a bad driving record
Finding affordable car insurance in North Carolina is possible, even with a bad driving record. Ways to lower car insurance rates include:
- 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 North Carolina 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.
Compare North Carolina high-risk driver car insurance rates with other states
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