The words “economical” and “insurance” really should not be used together, especially when searching for the lowest insurance prices for drivers with a DUI. To help control this cost, let’s open your eyes to some things that determine car insurance rates, and come up with some ways to reduce the cost of the next policy you buy.
The make and model of vehicle to be insured is probably the largest consideration when quoting the best coverage for drivers with a DUI. Vehicles with lower acceleration and performance, a great safety record, or a positive history of liability claims will cost substantially less to insure than high performance models.
The next list showcases insurance rates for a handful of the more affordable automobiles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport 4WD 2-Dr||$1,608|
|Honda CR-V LX 2WD||$1,665|
|Honda Accord LX 4-Dr Sedan||$1,670|
|Ford Escape XLT 4WD||$1,747|
|Toyota Camry LE||$1,846|
|Chevrolet Silverado LS Regular Cab 4WD||$1,872|
|Ford F-150 XLT Super Cab 4WD||$1,901|
|Honda Civic VP 4-Dr Sedan||$1,917|
|Honda Odyssey EX W/Rear Entertainment||$1,936|
|Ford Edge SE AWD||$1,943|
|Hyundai Elantra SE 4-Dr Sedan||$1,950|
|Volkswagen Jetta 2.0T Station Wagon||$1,962|
|Nissan Rogue S 2WD||$1,974|
|Chevrolet Malibu LS||$1,981|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$1,985|
|Toyota Corolla XRS||$1,994|
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Above prices assume single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Price information does not factor in specific location which can change coverage rates greatly.
Based upon the rates shown, we can assume that makes and models like the Jeep Wrangler, Honda CR-V, Honda Accord, and Toyota Prius are most likely going to be a few of the most affordable vehicles to insure after getting a DUI. The cost of a car insurance policy will tend to be more expensive because there is more risk for drivers with a DUI, but generally speaking those particular models will have the cheapest car insurance rates available.
Deciphering which companies offer the most affordable insurance rates for drivers with a DUI will require a little more sweat in order to find the lowest price. Each auto insurance company uses their own formula to set premium rates, so let’s take a look at the insurance companies with the overall best prices in North Carolina.
It’s important that readers know that North Carolina insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay for coverage. Simply improving your credit, moving to a new city, or getting a DUI may prompt premium changes resulting in some rates now being more affordable than the competition.
Lowest Insurance Price Quotes after a DUI
Progressive generally has some of the best car insurance rates in Durham at around $639 annually. This is $233 less than the average policy premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National also make the cut as some of the lowest-priced Durham, NC car insurance companies.
As depicted above, if you currently have coverage with Liberty Mutual and switched to Progressive, you could earn a yearly savings of around $68. North Carolina drivers with NC Farm Bureau could save as much as $70 a year, and Penn National insureds might realize rate reductions of up to $78 a year.
To compare your rates to other North Carolina insurance companies, click here or visit any of the companies below.
It’s important to note that these policy rates are averaged for all drivers and vehicles in North Carolina and are not factoring in a specific location for drivers with a DUI. So the company that can offer you the best rate may not even be in the list above. That emphasizes why you need to quote rates from many companies using your own individual information.
The example below demonstrates how deductibles can affect insurance costs when trying to find cheap insurance for drivers with a DUI. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.
A 30-year-old driver could reduce rates by $196 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $298 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could save $422 or even more by using a higher deductible.
If you do decide to increase your deductibles, it will be important to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How accidents and tickets impact rates
The easiest method to obtain good insurance rates after getting a DUI is to pay attention while driving and avoid getting tickets or having accidents. The illustration below illustrates how traffic citations and at-fault collisions drive up yearly insurance costs for different age groups of insureds. The data assumes a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of car insurance per year with no violations or accidents is $877. Get written up for two speeding tickets and the average cost rises to $1,238, an increase of $360 each year. Now add one accident along with the two speeding tickets and the annual cost of insurance for drivers with a DUI jumps again to an average of $1,604. That’s an increase of $727, or $61 per month, just for being a less-than-perfect driver!
What aren’t you shopping around?
North Carolina insurance rates are calculated based on many things that may substantially change the policy price. Getting older, becoming a homeowner, or getting a couple of tickets may generate price changes resulting in some companies being cheaper than others. And not only may your rating factors change, but insurers change their prices multiple times each year to ensure their profitability. Higher than usual claims can result in additional price hikes, while less frequent claims may cause lower-priced Durham car insurance rates.
To illustrate this point, the chart below analyzes the cheapest car insurance in Durham, NC for a 35-year-old female driver with no prior accidents, a clean driving record, and great credit. Based on her current risk profile, Progressive might quote the most affordable car insurance rates in Durham at $768 annually. This is $104 less than the average rate paid by North Carolina drivers of $872. Utica National, Liberty Mutual, GEICO, and NC Farm Bureau round out the rest of the cheapest Durham, NC auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an accident claim, a lower credit rating, and a few blemishes on her driving record. Due to the fact that every auto insurer has their own process to determine rates, analyzing rates could result in a new list of the cheapest Durham car insurance companies as shown below.
State Farm now has the lowest price on auto insurance in Durham with Titan, Auto-Owners, Allied, and Travelers also having competitive pricing. This shows why it is critical to shop around with many companies to get the best car insurance quotes for drivers with a DUI.
Prices are made up of many factors and can decrease or increase without notice, so the most economical company the last time you checked may now cost much more than other companies.