What Insurance is Cheapest for Drivers with a DUI in Raleigh?

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.

Cheapest Vehicles to Insure in Raleigh, NC
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
Toyota Prius $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.

How much does car insurance cost in Raleigh, NC?
Rank City Annual Premium
1 Fayetteville $923
2 Jacksonville $900
3 Charlotte $832
4 Durham $789
5 Wilmington $788
6 Gastonia $779
7 Greensboro $779
8 Cary $772
9 Goldsboro $765
10 High Point $753
11 Indian Trail $753
12 Wilson $746
13 Huntersville $742
14 Apex $739
15 Greenville $738
16 Raleigh $737
17 Rocky Mount $726
18 Winston Salem $716
19 Salisbury $712
20 Hickory $711
21 Concord $697
22 Chapel Hill $696
23 Burlington $671
24 Kannapolis $669
25 Asheville $667
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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

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Cheapest auto insurance in North Carolina ranked by cost per year
Rank Company Cost Per Year
1 Progressive $651
2 Utica National $662
3 Liberty Mutual $707
4 NC Farm Bureau $709
5 Penn National $725
6 Titan $729
7 State Farm $749
8 GEICO $750
9 Auto-Owners $844
10 Erie $895
11 Travelers $909
12 National General $917
13 Allied $919
14 Peerless $972
15 Unitrin $1,012
16 MetLife $1,018
17 Encompass $1,031
18 Nationwide $1,041
19 Allstate $1,064
20 Safeco $1,066
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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.

More insurance agents in Raleigh, NC

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.

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.