The words “low-priced” and “insurance” really don’t belong together, specifically when you are looking for the lowest insurance rates for drivers with a DUI. To help control this cost, let’s familiarize you with a few of the factors that help determine car insurance prices, and come up with some ways to cut the cost of your next policy.
The type of vehicle you are insuring is one of the largest considerations when shopping around for the most affordable car insurance for drivers with a DUI. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of liability claims will cost less to insure than adrenaline junky models. The data below features coverage prices for some of the most cost-effective automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,676|
|Ford Explorer XLT 2WD||$1,877|
|Ford Escape XLT 4WD||$1,886|
|Chevrolet Malibu Hybrid||$1,989|
|Dodge Grand Caravan CV||$1,999|
|Toyota Tacoma 4WD||$2,058|
|Ford Focus SEL 4-Dr Sedan||$2,060|
|Honda Odyssey EX||$2,080|
|Toyota RAV4 Sport 4WD||$2,119|
|Toyota Camry LE||$2,128|
|Ford Edge Limited 2WD||$2,119|
|Chevrolet Impala LS||$2,126|
|Nissan Rogue S 2WD||$2,131|
|Kia Optima LX||$2,139|
|Chevrolet Equinox LTZ 2WD||$2,136|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$2,141|
|Ford F-150 FX4 4WD||$2,161|
|Dodge Ram Quad Cab SLT 4WD||$2,168|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$2,202|
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Data assumes single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in specific garaging location which can influence prices substantially.
Based upon these rates, we can conclude that models like the Honda CR-V, Ford Explorer, Ford Escape, and Chevrolet Malibu will definitely be the cheaper vehicles to insure after getting a DUI. Auto insurance rates will be more costly just because there is more liability exposure for drivers with a DUI, but generally speaking those models will most likely have the least expensive rates that you are likely to find.
One of the more important considerations that are looked at to help calculate the annual cost of car insurance is your address in Charlotte. Areas with more people or even just a higher incidence of claims are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The illustration below rates the priciest cities in North Carolina for drivers with a DUI to buy an auto insurance policy in. Charlotte is ranked at #3 with the yearly price of $840 for the average policyholder, which is about $70 per month.
|Rank||City||Average Per Year|
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Premium amounts are approximated as the garaging address in Charlotte can revise premium rates significantly.
Get discounts on Charlotte insurance
Auto insurance companies that offer cheap quotes for drivers with a DUI could also offer premium discounts that could lower prices by as much as 35% or more if you meet certain criteria. Popular car insurance companies and a selection of discounts are included below.
- Mercury Insurance may have discounts that include professional/association, type of vehicle, location of vehicle, age of vehicle, multi-car, and good student.
- Farmers Insurance discounts include switch companies, business and professional, homeowner, teen driver, and good student.
- Farm Bureau offers discounts including renewal discount, safe driver, multi-vehicle, multi-policy, good student, and youthful driver.
- State Farm may include discounts for driver’s education, student away at school, multiple autos, accident-free, Drive Safe & Save, defensive driving training, and good student.
- Allstate offers discounts for early signing, good student, FullPay discount, safe driver, auto/life discount, premier discount, and economy car.
- GEICO has savings for military active duty, defensive driver, membership and employees, multi-vehicle, federal employee, good student, and seat belt use.
The diagram below illustrates the comparison of yearly insurance costs with and without discounts applied to the premium. Data assumes a female driver, no accidents and two citations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, paperless filing, homeowner, vehicle safety, paid-in-full, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for drivers with a DUI is 28% or $509.
The example below demonstrates how deductibles can influence insurance premiums when trying to find cheap insurance for drivers with a DUI. Data assumes a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could reduce rates by $230 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $344 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old example, could reduce their rates as much as $568 each year by choosing larger deductibles on their policy.
When increasing deductibles, it’s a good idea to have enough in a savings account to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Tips for finding budget-friendly insurance for drivers with a DUI
Here are some of the recommended thrifty solutions that can help Charlotte drivers quote low-cost coverage.
- Do not get traffic citations
- Frequent claims may make car insurance unaffordable
- Buying home and auto insurance together can earn discounts
- Do not get into accidents that are your fault
- Drive safe vehicles
- Shop around for cheaper rates regularly
That last tip is very valuable, as was pointed out in the prior information. Auto insurance prices fluctuate constantly, so don’t hesitate to switch companies if you find a better deal. Many drivers prefer to stick with one company, but it isn’t a good idea if that devotion results in you overpaying hundreds of dollars year after year. It only take a few minutes to compare prices to find cheaper insurance for drivers with a DUI in Charlotte.
If you have coverage questions and would like to get help from a professional when comparing insurance rates after getting a DUI, the agents listed below can most likely provide answers to your questions and help you determine which insurance coverage you need.
To find an agent by location nearest to you, click the button following the list or click here to compare prices now.
- Southeast Insurance Agency
212 S Tryon St #1605 – Charlotte, NC 28281 – (704) 885-8006
- The Jordan Insurance Agency,LLC
13860 Ballantyne Corporate Pl #120 – Charlotte, NC 28277 – (704) 926-7565
- Johnson Insurance Management, LLC
3220 Wilkinson Boulevard Ste A3 – Charlotte, NC 28208 – (704) 394-7327
- Swimmer Insurance Agency
725 Providence Rd #100 – Charlotte, NC 28207 – (704) 333-6694