Insurance costs rise more than 350% after a North Carolina DUI

On Behalf of | Oct 23, 2023 | Criminal Defense

Driving under the influence is a serious offense with significant consequences. In North Carolina, one such consequence that hits home for drivers is the substantial increase in auto insurance premiums following a DUI conviction.

While exactly how much insurance increases may vary from one individual to the next, almost all DUI offenders see their annual premiums rise substantially after a drunk driving conviction.

Why auto insurance premiums increase

Auto insurance companies use data and statistics to assess the level of risk associated with insuring a particular driver. A DUI conviction is a clear indicator of high-risk behavior, making the individual more likely to get into accidents, file claims and cost the insurance company more money.

Insurance companies may also limit coverage options for individuals with DUI convictions, making it more challenging for them to find affordable coverage. Some individuals may have to seek high-risk auto insurance, which is much more expensive.

How much auto insurance premiums increase

According to, North Carolina drivers see their insurance rates increase after a DUI more than motorists in any other state in the nation. The typical first-time North Carolina DUI offender sees his or her insurance rates increase by 371%, which amounts to a difference of about $4,338 per year.

After a DUI conviction in North Carolina, drivers may have to pay higher insurance premiums for several years. The exact duration can vary depending on the specifics of each case and the policies of each insurance provider. Typically, DUI-related insurance rate increases can persist for at least three to seven years.