Best Auto Insurance After a DUI in North Carolina (See the Top 10 Companies for 2024)
The best auto insurance after a DUI in North Carolina comes from USAA, American Family, and Farmers, starting at $34/mo. USAA provides military benefits, American Family offers loyalty discounts, and Farmers has customizable policies for high-risk drivers who need affordable DUI auto insurance in North Carolina.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Sep 10, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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6,435 reviewsCompany Facts
Full Coverage After a DUI in North Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
2,180 reviewsCompany Facts
Full Coverage After a DUI in North Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
2,180 reviews
2,903 reviewsCompany Facts
Full Coverage After a DUI in North Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviews
The best auto insurance after a DUI in North Carolina is offered by USAA, American Family, and Farmers, with rates starting as low as $34/month.
USAA stands out as the top pick for its exceptional military benefits and competitive rates. American Family offers valuable loyalty discounts, while Farmers provides highly customizable policies.
Our Top 10 Company Picks: Best Auto Insurance After a DUI in North Carolina
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 8% A++ Military Benefits USAA
#2 6% A Loyalty Discounts American Family
#3 7% A Customizable Policies Farmers
#4 5% B Student Savings State Farm
#5 6% A Comprehensive Coverage Liberty Mutual
#6 8% A+ Roadside Assistance Progressive
#7 7% A++ Mobile Tools Geico
#8 9% A+ Multi-Policy Savings Nationwide
#9 10% A++ Unique Policies Travelers
#10 6% A+ Infrequent Drivers Allstate
These factors together make these companies the top options for full coverage auto insurance in North Carolina after a DUI that is both affordable and dependable.
You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code above in our free quote comparison tool.
- USAA offers the lowest DUI auto insurance rates in NC, starting at $34/month
- Explore bundling and accident-free discounts to save on your auto insurance policy
- Compare rates to find affordable NC DUI auto insurance coverage for your needs
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#1 – USAA: Top Overall Pick
Pros
- Exclusive Military Discounts: USAA provides special discounts for military members, which can significantly benefit those in the armed forces dealing with insurance after a DUI in North Carolina.
- Exceptional Claims Service: Known for efficient and effective claims handling, USAA ensures a smooth process for those managing insurance after a DUI in North Carolina.
- Low Initial Premiums: USAA offers some of the lowest initial premiums available, starting at $34/month for minimum coverage after a DUI in North Carolina, which is covered in our USAA review.
Cons
- Eligibility Restrictions: Coverage is limited to military personnel and their families, excluding those who don’t meet this criterion from accessing benefits after a DUI in North Carolina.
- Limited Non-Military Options: Non-military individuals may find fewer options and higher rates with other providers after a DUI in North Carolina.
#2 – American Family: Best for Loyalty Discounts
Pros
- Loyalty-Based Rate Reductions: American Family rewards long-term customers with substantial rate reductions, which can be advantageous for policyholders after a DUI in North Carolina.
- Innovative Coverage Options: Offers a range of unique coverage options tailored to various needs after a DUI in North Carolina. For a complete list, read our American Family review.
- Enhanced Policy Benefits: Provides additional benefits and coverage enhancements that can be particularly useful following a DUI in North Carolina.
Cons
- Potentially Higher Base Rates: Initial base rates for drivers with a DUI may be higher compared to competitors, affecting overall costs after a DUI in North Carolina.
- Discounts May Have Limitations: Loyalty discounts might not sufficiently counteract the increased premiums for drivers with a DUI in North Carolina.
#3 – Farmers: Best for Customizable Policies
Pros
- Flexible Coverage Customization: Farmers allows for extensive customization of policies, enabling tailored solutions after a DUI in North Carolina, which you can check out in our Farmers review.
- Variety of Discounts: Offers a wide array of discounts that can be applied to reduce premiums after a DUI in North Carolina.
- Adaptable Payment Plans: Farmers provides flexible payment options that can help manage increased costs after a DUI in North Carolina.
Cons
- Complex Policy Options: The extensive customization options might be overwhelming and potentially lead to higher costs after a DUI in North Carolina.
- Variable Discount Availability: Discounts and benefits may vary, leading to potential inconsistencies in savings after a DUI in North Carolina.
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#4 – State Farm: Best for Student Savings
Pros
- Student-Specific Savings: State Farm offers specific discounts for students, which can be beneficial if you’re a student navigating affordable DUI auto insurance in North Carolina.
- Proven Customer Service: Known for reliable customer support, which can be crucial when addressing insurance needs after a DUI in North Carolina.
- Wide Coverage Range: Provides a broad spectrum of NC insurance coverage options to fit various scenarios after a DUI. Learn more in our State Farm review.
Cons
- Higher Risk Premiums: North Carolina auto insurance rates for high-risk drivers with a DUI may be on the higher side compared to some other providers.
- Discount Applicability: Student discounts may not be applicable if you do not qualify, potentially leading to higher costs after a DUI in North Carolina.
#5 – Liberty Mutual: Best for Comprehensive Policies
Pros
- Tailored Policy Options: Liberty Mutual offers policies that can be adjusted based on individual needs after a DUI in North Carolina.
- Diverse Discount Opportunities: Drivers can choose from multiple discount opportunities for cheaper DUI insurance in North Carolina.
- Comprehensive Policy Coverage: Provides a range of coverage options designed to meet various needs following a North Carolina DUI, which you can learn about in our Liberty Mutual review.
Cons
- Potential Cost Increase: Customizable policies might lead to higher overall premiums after a DUI in North Carolina.
- Discounts May Be Insufficient: The discounts offered may not be substantial enough to fully counterbalance the increased risk premiums after a DUI in North Carolina.
#6 – Progressive: Best for Roadside Assistance
Pros
- Roadside Assistance Benefits: Includes valuable roadside assistance, which can be helpful for those who might need additional support after a DUI in North Carolina.
- Attractive Entry-Level Rates: Offers competitive initial rates starting at $170/month for those with a DUI in North Carolina. Read more in our review of Progressive.
- Wide Range of Policy Choices: Provides diverse coverage options that can be customized for your situation following a DUI in North Carolina.
Cons
- Possible Higher Rates for High-Risk Drivers: Rates for high-risk drivers, including those with a DUI, may be elevated compared to some North Carolina auto insurance companies.
- Discounts Might Be Limited: Roadside assistance and other perks might not sufficiently lower premiums for drivers with a DUI in North Carolina.
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#7 – Geico: Best Mobile Tools
Pros
- Efficient Online Tools: Offers user-friendly online tools for comparing rates and coverage, which is beneficial when managing insurance after a DUI in North Carolina.
- Quick Online Claims: North Carolina drivers can file DUI auto insurance claims and keep track of payouts through the Geico mobile app or online portal.
- Economical Premiums: Geico’s rates are among the lowest, starting at $177/month, which is advantageous after a DUI in North Carolina, which you can read more about in our review of Geico.
Cons
- Higher Costs for High-Risk Profiles: NC car insurance rates for drivers with a DUI might not be as competitive as the standard rates offered by other providers.
- Discount Opportunities May Be Limited: The range of available discounts might not fully address the increased costs associated with a DUI in North Carolina.
#8 – Nationwide: Best for Multi-Policy Savings
Pros
- Multi-Policy Savings: Discounts for bundling multiple policies can be beneficial if you’re managing various types of insurance after a DUI in North Carolina.
- Comprehensive Coverage: Offers extensive coverage options that can be tailored to fit different needs after a DUI in North Carolina. Read our Nationwide review to learn what else is offered.
- Strong Customer Service: Known for its effective customer support, which is helpful when dealing with insurance adjustments following a DUI in North Carolina.
Cons
- Higher Premiums for DUI Drivers: Nationwide’s rates for those with a DUI conviction may be higher compared to some competitors after a DUI in North Carolina.
- Discounts May Not Fully Offset Costs: Multi-policy discounts might not completely counterbalance the higher premiums after a DUI in North Carolina.
#9 – Travelers: Best Policy Features
Pros
- Broad Coverage Options: Travelers offers a wide range of coverage options that can be customized to suit needs after a DUI in North Carolina. Discover our Travelers review for a full list.
- Adaptable Policy Features: Their flexible policy features allow you to adjust coverage based on your specific requirements after a DUI in North Carolina.
- Positive Customer Feedback: Travelers has fewer customer complaints than other companies, which can be beneficial when managing post-DUI insurance issues in North Carolina.
Cons
- Potentially Higher Costs for High-Risk Drivers: North Carolina DUI insurance rates are higher with Travelers than other NC insurers.
- Limited Impact of Discounts: Discounts offered might not significantly reduce the premiums for those with a DUI in North Carolina.
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#10 – Allstate: Best for Infrequent Drivers
Pros
- Discounts for Low-Mileage Drivers: Allstate Milewise tracks monthly mileage to set rates, which can help NC drivers get cheap auto insurance after a DUI. Learn how it works in our Milewise review.
- Extensive Coverage Options: Offers a variety of coverage plans that can be tailored to specific needs following a DUI in North Carolina. Find out more in our Allstate review.
- Dependable Customer Service: Allstate’s reputation for customer service can be a key benefit when managing insurance after a DUI in North Carolina.
Cons
- Higher Costs for DUI Risk: Allstate’s premiums for drivers with a DUI might be higher compared to some other insurance providers in North Carolina.
- Discounts May Not Offset DUI Costs: Even with discounts for low mileage, the financial impact of a DUI may still result in higher premiums in North Carolina.
Monthly DUI Auto Insurance Rates by Company in North Carolina
Finding cheap high-risk auto insurance in North Carolina after a DUI can be tough, but our guide simplifies it. We compare monthly rates and discounts from top providers like USAA, American Family, and Farmers to help you choose the most affordable and suitable coverage.
North Carolina DUI Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
Allstate $309 $729
American Family $57 $136
Farmers $58 $137
Geico $177 $419
Liberty Mutual $137 $325
Nationwide $187 $443
Progressive $170 $402
State Farm $136 $321
Travelers $193 $457
USAA $34 $80
North Carolina DUI auto insurance rates vary by provider and coverage level. USAA offers the lowest rates, with minimum coverage at $34/month and full coverage at $80/month, making it one of the best auto insurance companies for military families with a DUI driver on their policy.
American Family and Farmers follow, with rates starting at $57 and $58, respectively, for minimum coverage. Rates for full coverage can go up to $729 with Allstate and $457 with Travelers.
A DUI conviction significantly increases North Carolina car insurance rates. The severity of the rate hike can vary by insurer and the length of time since the DUI.Kalyn Johnson Insurance Claims Support & Sr. Adjuster
Different insurers offer varying rates and coverage options for drivers with a DUI. Some companies specialize in high-risk drivers and may offer better rates or more flexible policies.
North Carolina Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Charlotte | 35,000 | 28,500 |
| Durham | 12,500 | 10,000 |
| Fayetteville | 8,000 | 6,500 |
| Greensboro | 15,000 | 12,000 |
| Raleigh | 22,000 | 18,000 |
In addition, state-specific insurance regulations and an area’s volume of accidents and claims also influences rates for North Carolina drivers with DUIs. Understanding North Carolina auto insurance requirements can help in finding the best insurance policy.
How to Lower Your Auto Insurance Costs After a DUI in North Carolina
Comparing quotes from multiple insurers can help you find the best rates for your coverage needs. Maintaining a clean driving record and increasing your deductibles may also reduce your premiums. Bundling auto insurance with other policies, such as home or renters insurance, can provide multi-policy discounts.
From multi-policy and accident-free discounts to bundling and defensive driving offers, major providers like Allstate, American Family, Farmers, and more provide a range of savings. Explore these discounts to find the best coverage options and get the cheapest DUI insurance in North Carolina:
North Carolina Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Policy | A | 25% | State Farm, Nationwide, Allstate |
| Safe Driver | A- | 20% | Geico, Progressive, Liberty Mutual |
| Good Student | B+ | 15% | State Farm, Allstate, Geico |
| Anti-Theft Device | B | 10% | Progressive, Liberty Mutual, USAA |
| Defensive Driving | B- | 10% | Geico, State Farm, Nationwide |
| Pay-As-You-Go | C+ | 8% | Nationwide, Allstate, Liberty Mutual |
| Low Mileage | C | 7% | Geico, USAA, Allstate |
| Military/First Responder | C- | 5% | USAA, Geico, Farmers |
| Vehicle Safety Features | D+ | 4% | Liberty Mutual, Nationwide |
| New Vehicle | D | 3% | Progressive,, Allstate |
Improving your credit score can lead to lower auto insurance rates, and opting for a vehicle with high safety ratings will also reduce costs. For older cars, consider dropping comprehensive and collision coverage if the car’s value doesn’t justify it.
Regularly review your coverage, install safety and anti-theft devices, and consider paying your premium annually to avoid extra fees. Usage-based insurance programs and specialized programs for high-risk drivers might offer additional savings.
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Case Studies: DUI Auto Insurance Options in North Carolina
This section explores how different drivers found affordable insurance, offering practical strategies like leveraging discounts and comparing quotes. Use these examples to guide your own insurance decisions and secure the best DUI policy for your needs:
- Case Study #1 – Military Family Savings: Jane, a retired veteran with a DUI in North Carolina, found affordable DUI auto insurance through USAA. She secured minimum coverage for $34/month and benefited from military-specific discounts.
- Case Study #2 – Loyalty Pays Off: Mark, with a DUI on his record, needed affordable auto insurance that offered loyalty rewards. He chose American Family Insurance, which provided minimum coverage starting at $57/month and additional savings through its loyalty program.
- Case Study #3 – Custom Coverage Solutions: After a DUI, Sophia needed flexible auto insurance. She chose Farmers Insurance, which offered customizable coverage starting at $58/month. This allowed her to tailor her policy to her needs, balancing protection and affordability effectively.
By learning from others’ experiences, you can better navigate your options and apply effective methods to get the best DUI insurance in North Carolina.
Tailor these lessons to your situation, and with careful research, securing affordable coverage is achievable. Compare NC insurance quotes, maintain a clean driving record, and look for discounts to get the best coverage and rates.
Read More: Cheapest Teen Driver Auto Insurance in North Carolina
The Best North Carolina Auto Insurance After a DUI
Navigating how to manage your auto insurance policy after a DUI in North Carolina can be challenging, but USAA, American Family, and Farmers provide competitive rates starting at about $34/month, with USAA benefiting military members.
USAA offers the best overall auto insurance for those after a DUI due to its unbeatable rates and exceptional military benefits.Justin Wright Licensed Insurance Agent
Finding cheap auto insurance rates can be difficult for high-risk drivers in North Carolina after a DUI, but you don’t have to do it alone. Enter your ZIP code below to find the most affordable quotes in your area.
Frequently Asked Questions
How much is insurance after a DUI in North Carolina?
Insurance costs after a DUI in North Carolina can vary widely. On average, minimum coverage rates may start around $57 to $58 per month, while full coverage could be significantly higher, sometimes exceeding $700 per month, depending on the insurer and your specific circumstances. Find cheap auto insurance after a DUI here.
How much does auto insurance go up after a DUI in North Carolina?
After a DUI, your auto insurance premiums can increase dramatically. On average, drivers might see a rate increase of 30% to 50%, but this can vary based on the insurer, your driving history, and the specifics of your DUI.
How long does a DUI affect auto insurance in North Carolina?
A DUI can significantly impact your auto insurance rates for several years. Typically, insurers may increase your rates for three to five years after a DUI conviction. However, the exact duration can vary depending on the insurer and your driving history.
Does a DUI fall off your record in North Carolina?
In North Carolina, a DUI remains on your driving record permanently. While it may not impact your insurance rates indefinitely, the conviction stays on your driving record for life. It will, however, become less influential over time as long as you maintain a clean driving record.
Get the best auto insurance rates possible by entering your ZIP code below into our free comparison tool today.
Will auto insurance cover a DUI accident in North Carolina?
Yes, auto insurance will generally cover a DUI accident, but it will depend on your policy’s specifics. However, your insurer will likely increase your rates significantly after a DUI, and in some cases, they might even drop your coverage. Find out how long auto accidents stay on your driving record.
Can a DUI be reduced in North Carolina?
In North Carolina, it is possible to have a DUI reduced to a lesser charge, such as reckless driving, through plea bargaining. However, this typically requires legal representation and depends on the specifics of your case.
What happens when you get your first DUI in North Carolina?
When you get your first DUI in North Carolina, you may face legal penalties such as fines, license suspension, and mandatory alcohol education programs. Additionally, you will likely experience higher auto insurance rates and may need to obtain high-risk insurance coverage.
Does Geico insure DUI drivers in North Carolina?
Yes, Gieco does insure North Carolina drivers with DUIs, but drivers with multiple DUI convictions may have to shop with other high-risk insurers in NC.
What happens if the person not at fault in an accident has no insurance in North Carolina?
In North Carolina, if the person not at fault in an accident has no insurance, they may face challenges in covering damages. The at-fault driver’s insurance should cover damages to the uninsured driver’s vehicle, but the uninsured driver might be responsible for their own medical expenses if they do not have personal injury protection.
What is the penalty for driving without insurance in North Carolina?
Driving without insurance in North Carolina can result in severe penalties, including fines, license suspension, and registration revocation. Additionally, you may be required to pay a reinstatement fee and provide proof of insurance before your license is reinstated.
Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.