Who Has Cheap Car Insurance for Drivers with a DUI in North Carolina?

Comparing rates for low-cost insurance is challenging, and finding out which insurers offer the best insurance rates for drivers with a DUI involves additional perseverance. Rates should be much more expensive than the average policy in North Carolina attributed to the higher likelihood of claims that comes with selling coverage after getting a DUI, but competitively-priced coverage should be attainable if you find the right company.

Every car insurance company has their own unique process to set their prices, so to begin we’ll rank the overall cheapest insurance companies in North Carolina. It’s important to know that North Carolina insurance rates are based on many factors that will increase or decrease the cost of a policy. This price variation is why it is so important to shop around when trying to find affordable car insurance rates for drivers with a DUI. Auto insurance prices are made up of many factors and change frequently, so the best option three years ago may now be quite expensive.

Best Auto Insurance Prices after a DUI

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Progressive has some of the lowest car insurance rates in North Carolina at around $632 each year. Utica National, Liberty Mutual, NC Farm Bureau, and Titan also are some of the lowest-priced North Carolina car insurance companies.

In the rate table above, if you have coverage with Liberty Mutual and switched to Progressive, you might see an annual savings of in the neighborhood of $75. North Carolina drivers with NC Farm Bureau may save as much as $77 a year, and Titan customers might lower prices by $105 a year.

To see how much you can save, click here to start a quote or visit any of the companies below.

It’s important to note that these policy rates are averages across all insureds and vehicles and and are not calculated with a price surcharge for drivers with a DUI. So the auto insurance company that fits your age and vehicle best may not even be included in the list of companies above. That illustrates why you need to get car insurance quotes using your own driver information and specific vehicle type.

When buying insurance after getting a DUI, one of the key considerations used to determine the price you pay for insurance is the neighborhood you call home in North Carolina. Cities with larger populations or higher claim trends like Fayetteville, Charlotte, and Durham are more likely to pay higher prices, whereas areas with less traffic congestion and claims have the luxury of cheap auto insurance for drivers with a DUI in North Carolina.

The table below rates the higher priced cities in North Carolina for drivers with a DUI to buy an auto insurance policy in.

Information shown are approximated as the specific North Carolina residence address can alter premiums substantially.

Does full coverage make sense?

Finding cheap auto insurance for drivers with a DUI in North Carolina is the goal of the majority of drivers, and an easy way to save on the cost of insurance is to not buy full coverage. The illustration below illustrates the comparison of car insurance rates with and without full coverage. The premium estimates are based on no violations or accidents, $500 deductibles, single marital status, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2201,761],[‘Age 30’, 1155,423],[‘Age 40’, 1139,393],[‘Age 50’, 1035,367],[‘Age 60’, 1001,361],[‘Age 70’, 1223,481]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in North Carolina’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged out across all ages, full coverage costs an extra $1,292 per year more than buying just liability insurance. That is a significant amount which raises the question if buying full coverage is worth the money. There is no set rule of when to eliminate comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

Types of discounts on North Carolina auto insurance rates

Insurers that offer cheap auto insurance for drivers with a DUI in North Carolina could also offer policy discounts that could lower prices by as much as 40% or more if you qualify for them. A list of insurance companies and a partial list of their discounts are included below.

The diagram below illustrates the difference between auto insurance rates with and without discounts applied. The premiums are based on a female driver, no accidents and one citation, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with paid-in-full, multiple vehicle, homeowner, multiple policy, anti-theft, and vehicle safety discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for drivers with a DUI is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2003,1443],[‘Age 30’, 1441,1043],[‘Age 40’, 1347,979],[‘Age 50’, 1203,873],[‘Age 60’, 1167,847],[‘Age 70’, 1331,963]]);var options = {title: ‘Effect of Discounts on Insurance Price for Drivers with a DUI’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Best cheap insurance quotes after getting a DUI

Thanks to technology, there are a lot of ways to get affordable insurance quotes in North Carolina, but the three most common are through an independent insurance agent, an exclusive insurance agency such as Allstate or Auto-Owners, or direct online or over the phone from a company like Progressive or Geico. They all follow the same basic process, but insurance buyers need to understand the differences in how they function.

Independent agencies write for multiple companies and can provide price quotes from every one. These types of agents are able to compare multiple rates, which may provide you with better odds of saving money. If your agent finds better pricing, your policy can be easily switched to a new company and you can keep the same agent.

Exclusive agencies are limited to one company, two popular examples being an Allstate or State Farm agent. Exclusive agencies are unable to compare other company’s rates, so it’s a good idea to shop around.

The third way to buy insurance is direct which means you do not use an exlusive or independent agent and instead buy direct from companies such as Geico or Progressive. This option may be the best choice people who have lower risk management needs and know more than average about what coverages they need.

So what is the best way to buy cheap auto insurance for drivers with a DUI in North Carolina? We’d like to say buying direct saves the most money because you bypass the middleman, but unfortunately, that is not the case. We could also say that buying from an independent agent can save the most money since they can quote with many companies, but that assumption is not true either. And sometimes, exclusive agencies have price quotes well below independent agents AND direct companies.

Since insurance companies use so many rating factors, really the only way to make sure you’re not overpaying for insurance is to obtain price quotes and compare them. To cover all the bases, get quotes from all three to have enough rates to compare. For a list of companies with some of the cheapest North Carolina insurance rates, click here to view.