Best Auto Insurance After a DUI in North Carolina (See the Top 10 Companies for 2025)
The best auto insurance after a DUI in North Carolina comes from USAA, American Family, and Farmers, with rates starting at $34 per month. USAA offers military perks, American Family provides loyalty discounts, and Farmers delivers flexible coverage, making them the best insurance for DUI drivers in NC.
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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: Feb 28, 2025
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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: Feb 28, 2025
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 reviewsThe best auto insurance after a DUI in North Carolina comes at a higher cost, but the right provider can help minimize the impact. USAA provides the lowest rates, starting at $34 per month for minimum coverage.
American Family offers loyalty discounts, while Farmers provides customizable policies. Rates depend on coverage and driving history, making comparison essential.
Drivers with a DUI in North Carolina can still secure affordable full coverage auto insurance by leveraging discounts, adjusting deductibles, and exploring specialized high-risk policies. Some insurers offer accident forgiveness or safe driving programs to help lower costs over time.
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 |
Knowing which companies provide the best and most affordable DUI insurance can help you find the right balance between cost and coverage. Enter your ZIP code above for more information and compare rates from top insurers to get the most affordable policy after a DUI.
- USAA offers the lowest DUI auto insurance rates in NC, starting at $34 per month
- Explore bundling and accident-free discounts to save on your DUI insurance policy
- Compare rates to find affordable NC DUI 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 the lowest initial premiums available, starting at $34 per month for minimum coverage after a DUI in Nc, which is covered in our USAA auto insurance 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 might 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 NC. For a complete list, read our American Family auto insurance review.
- Accident Forgiveness Program: Minimizing rate increases after a first at-fault accident.
Cons
- Potentially Higher Base Rates: Drivers with a DUI typically pay higher initial rates than competitors, leading to increased overall insurance costs in North Carolina.
- Discounts May Have Limitations: Loyalty discounts may not fully offset higher premiums.
#3 – Farmers: Best for Customizable Policies
Pros
- Flexible Coverage Customization: Farmers allows for extensive customization of policies, enabling tailored coverage after a DUI in NC, check out in our Farmers auto insurance review.
- Wide Payment Plans: Farmers provides flexible payment options that can help manage increased costs even after a DUI in NC.
- Multiple Discount Options: Provides various discounts to help lower premiums after a DUI in North Carolina.
Cons
- Complex Policy Options: Their extensive customization options may potentially lead to higher costs after a DUI in North Carolina.
- Variable Discount Availability: Discounts and benefits may vary, that may lead 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: Renowned for reliable customer support, essential for handling 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 auto insurance review.
Cons
- Higher Risk Premiums: High-risk drivers with a DUI in North Carolina may pay higher insurance rates than some other providers offer.
- Limited Discount Applicability: Drivers who don’t qualify for student discounts may face higher costs after a DUI in North Carolina.
#5 – Liberty Mutual: Best for Comprehensive Policies
Pros
- Exclusive Liberty Mutual Discounts: Liberty Mutual offers a variety of discounts to help drivers lower their DUI insurance costs in North Carolina.
- Personalized Policy Adjustments: Liberty Mutual tailors coverage to fit individual needs, providing customized protection after a DUI 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 auto insurance review.
Cons
- Limited Discount Impact: Discounts may not significantly reduce higher premiums for drivers with a DUI in NC.
- Possible Premium Increase: After a DUI in North Carolina, their customizable policies could result in higher overall costs.
#6 – Progressive: Best for Roadside Assistance
Pros
- Attractive Entry-Level Rates: Offers competitive initial rates starting at $170 per month for those with a DUI in North Carolina. Read more in our review of Progressive auto insurance.
- Roadside Assistance Coverage: Provides 24/7 roadside assistance that offers added support for drivers after a DUI in North Carolina.
- Wide Range of Policy Choices: Provides diverse coverage options that can be customized for your situation following a DUI in North Carolina.
Cons
- Higher Risk Premiums: North Carolina auto insurance rates for high-risk drivers with a DUI may be on the higher side.
- Limited Discount Eligibility: Student discounts may not apply to all drivers, which may still increase costs after 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 monthly, which is advantageous after a DUI in NC. Read more about it in our review of Geico auto insurance.
Cons
- Limited Policy Discounts: Even with discounts, a DUI in North Carolina can still lead to higher insurance costs.
- Higher Costs for High-Risk Drivers: Drivers with a DUI in North Carolina may pay higher rates than those offered by other companies for standard policies.
#8 – Nationwide: Best for Multi-Policy Savings
Pros
- Multi-Policy Savings: Bundling multiple policies can be beneficial with discounts 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 auto insurance 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. Explore our Travelers auto insurance review for a full list.
- Adaptable Policy Features: Their flexible policy features allows the policyholders 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 with a DUI. Learn how it works in our Allstate 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 auto insurance review.
- Dependable Customer Service: Allstate is known for its strong customer service, which can be especially helpful when dealing with 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 |
|---|---|---|
| $309 | $729 |
| $57 | $136 |
| $58 | $137 |
| $177 | $419 |
| $137 | $325 |
| $187 | $443 |
| $170 | $402 |
| $136 | $321 |
| $193 | $457 |
| $34 | $80 |
North Carolina DUI auto insurance rates vary by provider and coverage level. So, what is the cheapest car insurance for a DUI? USAA offers the lowest rates, with minimum coverage at $34 per month and full coverage at $80 per 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 influence rates for North Carolina drivers with DUIs. Understanding North Carolina auto insurance requirements can help in finding the best car insurance after a DUI.
How to Lower Your Auto Insurance Costs After a DUI in North Carolina
How to lower car insurance in NC? Comparing quotes from multiple insurers can help you find the best car insurance for a DUI. 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 cheapest car insurance after a DUI:
Auto Insurance Discounts From Top North Carolina Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
| 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 30% |
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.
Read More: How Credit Scores Affect Auto Insurance Rates
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Case Studies: DUI Auto Insurance Options in North Carolina
This section shows how drivers found affordable insurance by leveraging discounts and comparing quotes.
Check out our article “How to Choose an Auto Insurance Company” to learn how to assess coverage options, financial stability, and customer service before making a decision. Use these examples to make informed insurance decisions and find the best car insurance for a DUI.
Case Study #1: Military Family Savings
Jane, a retired veteran with a DUI in North Carolina, found one of the best car insurance for someone with a DUI and got USAA. She secured minimum coverage for $34 monthly and benefited from military-specific discounts.
Read More: Best Auto Insurance for Retirees
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 per month and additional savings through its loyalty program.
Read More: Best Customer Loyalty Auto Insurance Discounts
Case Study #3: Custom Coverage Solutions
After a DUI, teenager Sophia turned to Farmers Insurance for its flexible coverage options. She secured a customizable policy starting at $58 per month, giving her the ability to adjust her coverage to fit her budget while ensuring adequate protection.
By learning from others’ experiences, you can better navigate your options and apply effective methods to get the best car insurance for a DUI in NC.
Securing affordable coverage is achievable by comparing NC insurance quotes, maintain a clean driving record, and look for discounts to get the best insurance after a DUI.
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 monthly, 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 car 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 for the best auto insurance after a DUI in North Carolina.
Frequently Asked Questions
How much is insurance after a DUI in North Carolina?
How much is insurance for a DUI in NC? 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 insurance companies for DUI drivers, your driving history, and the specifics of your DUI.
How long does a DUI affect insurance in NC?
How long do DUI points stay on your license 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?
How long does it take for a DUI to come 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 insurance for a DUI 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.
Is there a statute of limitations on DUIs in North Carolina?
No, DUIs in North Carolina do not have a statute of limitations because they are considered criminal offenses. However, securing DUI insurance in NC is essential after a conviction to comply with state laws.
What is the cheapest car insurance for a DUI in NC?
The best car insurance with a DUI in North Carolina varies by provider, but USAA, American Family, and Farmers often offer cheap DUI insurance in NC with competitive rates for high-risk drivers.
What is the minimum car insurance in NC?
North Carolina requires a minimum of 30/60/25 liability coverage. After a DUI, drivers need DUI or DWI insurance in North Carolina to meet state requirements.
Read More: What is a DWI?
What is the cheapest full coverage car insurance in NC?
The cheapest full coverage car insurance in NC depends on the insurer, but companies like USAA, Progressive, and State Farm provide cheap insurance for DUI drivers.
What is the cheapest car insurance for DUI offenders in NC?
New Jersey drivers with a DUI may find the most affordable options from Geico, Progressive, and State Farm, which specialize in DUI insurance in North Carolina and other high-risk policies.
Who has the best car insurance in North Carolina?
The best insurance with a DUI in North Carolina comes from providers like USAA, American Family, and Farmers, which offer competitive rates and strong coverage for DUI offenders. According to the Farmers auto insurance review, Farmers offers competitive rates and strong coverage options for DUI offenders, making it a reliable choice for high-risk drivers in North Carolina.
What happens after a DUI in NC?
A DUI in North Carolina results in license suspension, fines, and the requirement to obtain DUI car insurance in NC, often at higher premiums.
How much will my insurance go up after a DUI in NC?
After a DUI in New Jersey, premiums can rise significantly. However, shopping for DUI insurance in North Carolina alternatives and comparing quotes can help minimize costs.
Can a DUI be dropped in NC?
Yes, but it depends on legal circumstances. For example, if a DUI is dismissed, drivers can still benefit from DUI insurance in Charlotte, NC, to maintain affordable coverage. Find the best Charlotte, North Carolina auto insurance here.
Can I get a DUI expunged in NC?
In North Carolina, a DUI (Driving Under the Influence), officially known as DWI (Driving While Impaired), generally cannot be expunged from your record. North Carolina law only allows expungement for certain non-violent misdemeanors and felonies, but DWI convictions are specifically excluded from eligibility.
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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.