The vehicle model driven is probably the biggest factor when comparing quotes for the most affordable auto insurance for drivers with a DUI. Vehicles with lower acceleration and performance, advanced safety features, or low incidents of liability claims will cost significantly less to insure than fast, unsafe models.
The table below outlines car insurance prices for a selection of the most economical vehicles to insure in North Carolina.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,456|
|Honda CR-V EX-L 4WD||$1,488|
|Hyundai Elantra GLS Touring Station Wagon||$1,554|
|Ford Edge SE 2WD||$1,595|
|Ford Escape XLT 4WD||$1,627|
|Chevrolet Equinox LS 2WD||$1,723|
|Toyota RAV4 Sport 2WD||$1,730|
|Ford F-150 XLT Crew Cab 4WD||$1,757|
|Ford Explorer Limited AWD||$1,764|
|Toyota Tacoma X-Runner 2WD||$1,819|
|Honda Odyssey EX-L W/Navigation||$1,829|
|Chevrolet Impala LT||$1,841|
|Jeep Grand Cherokee Laredo 4WD||$1,848|
|Chevrolet Silverado LS Extended Cab 4WD||$1,841|
|Chevrolet Malibu Hybrid||$1,846|
|Kia Optima LX||$1,844|
|Dodge Grand Caravan Crew||$1,919|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,953|
|Ford F-350 XL Super Cab 2WD||$1,958|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,973|
|Toyota Camry Hybrid||$1,982|
|Toyota Corolla S||$1,973|
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Above prices assume single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in specific location which can increase or decrease auto insurance rates noticeably.
Looking at the rates, we can tell that vehicles like the Honda Accord, Honda CR-V, Hyundai Elantra, Ford Edge, and Ford Escape are most likely to be some of the cheaper vehicles to insure after getting a DUI. Auto insurance rates will tend to be more expensive anyway because there is more inherent risk for drivers with a DUI, but generally speaking those particular models will tend to have the best insurance prices compared to other types of vehicles.
After getting a DUI, one of the more important things that aid in calculating the amount you pay for auto insurance is where you keep your car in Raleigh. Areas with more people or higher crime rates tend to pay more, whereas areas with less congestion receive better rates.
The next table lists the highest-priced areas in North Carolina for drivers with a DUI to buy an auto insurance policy in. Raleigh is ranked at #16 with the yearly price of $737 for the average insured, which is approximately $61 monthly.
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Price information shown is comparative as the specific Raleigh residence address can lower or raise price quotes noticeably.
Finding out which company offers the lowest-priced auto insurance rates for drivers with a DUI may require more time than just quoting one company’s rates. Every auto insurer has their own guidelines for determining rates in each state, so let’s take a look at the auto insurance companies that tend to be cheaper in North Carolina.
Find the Cheapest Auto Insurance after a DUI
|Rank||Company||Cost Per Year|
|4||NC Farm Bureau||$709|
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Progressive quotes some of the cheapest car insurance rates in Raleigh at around $651 annually. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National also qualify as some of the cheaper Raleigh, NC insurance companies.
As shown above, if you currently have coverage with Penn National and switched to Utica National, you may realize an annual savings of roughly $63. North Carolina drivers with Titan may save as much as $67 a year, and State Farm policyholders might cut rates by $87 a year.
Understand that those premium estimates are averaged for all types of insureds and vehicles and are not factoring in a vehicle location for drivers with a DUI. So the car insurance company that has the lowest price for you may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own individual information.
How violations and accidents impact rates
The easiest method to earn low auto insurance premiums after getting a DUI is to drive safely and avoid accidents and violations. The diagram below demonstrates how speeding tickets and accidents can influence auto insurance costs for each different age group. The price estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.
In the previous chart, the average cost of a car insurance policy in Raleigh per year with no accidents or violations is $1,360. Add in one speeding ticket and the average cost rises to $1,539, an increase of $179 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for drivers with a DUI increases to an average of $2,046. That’s an increase of $686, or $57 per month, just for not maintaining a clean driving record!
Difference between liability only and full coverage rates
Reducing the cost of auto insurance is the goal of most drivers, and one of the quickest ways to buy cheap insurance for drivers with a DUI is to not pay for full coverage. The chart below shows the difference between car insurance costs with full coverage compared to only the North Carolina minimum liability coverage. The price estimates are based on no violations or accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.
Averaged for all ages 20 through 70, physical damage insurance costs $1,755 per year over and above liability coverage. At some point, every insured wonders if physical damage coverage is worth the money. There is no clear-cut rule to exclude physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your vehicle’s claim settlement value is $6,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $5,500 after paying the physical damage deductible. If it’s costing in excess of $550 a year for your policy with full coverage, then you might consider buying liability only.
The insurance agencies listed below can help you determine which coverages you need, as some drivers wish to have a little guidance when trying to find the best insurance rates for drivers with a DUI. It can be difficult to find coverage yourself, so insurance agents can give you comfort knowing your policy gives you suitable coverage if you ever need to use it.
To find a Raleigh insurance agent near you, click the button after the list.
- Compare Insurance Agency LLC
6531 Creedmoor Rd # 206 – Raleigh, NC 27613 – (919) 863-0150
- IGO Insurance Agency Inc.
8117 Ebenezer Church Rd – Raleigh, NC 27612 – (919) 782-1560
- Tom Patterson – State Farm Insurance Agent
805 Spring Forest Rd #1400 – Raleigh, NC 27609 – (919) 954-1340
- Nationwide Insurance: Christopher D Edwards Agency
3901 Capital Blvd Ste 121 – Raleigh, NC 27604 – (919) 872-0130
How to find more affordable auto insurance for drivers with a DUI
Below you’ll find a few money-saving suggestions that can help you locate cheap coverage.
- Just one traffic violation will increase your rates
- If your vehicles are older, consider dropping full coverage
- Prevent rate increases by staying accident-free
- Raise deductibles to save money
- If possible, pay for small claims out-of-pocket
- Shop around for cheaper prices
The last suggestion is certainly necessary, as was stressed in this piece. Prices charged by companies can be adjusted at any time, so don’t be unwilling to buy a different policy if you find a cheaper price. Having brand loyalty is commendable, but it isn’t a good idea if that devotion results in you overpaying major coinage every year. Now is a great time to shop around to find cheaper insurance for drivers with a DUI in Raleigh.