DWI Car Insurance in North Carolina (2025)
Drivers in North Carolina with a DWI pay an average rate of $157 per month for car insurance.
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The cheapest car insurance you can get with a DWI (driving while intoxicated) conviction in North Carolina is $131 per month. Car insurance companies take DWIs and DUIs seriously, and you can expect your insurance rate to increase. In some cases, your insurance company may even refuse to renew your policy.
But you can still secure affordable car insurance with a DWI if you take the time to compare quotes.
Quick Facts
Nationwide offers the cheapest car insurance in North Carolina for drivers with a DWI.
If you refuse an alcohol test in North Carolina, you’ll lose your license for one year.[?]
The average cost of car insurance with a DWI in North Carolina is $157 per month.
Cheapest car insurance quotes after a DWI in North Carolina
For North Carolina drivers with a DWI, Nationwide has the cheapest car insurance rates, on average, but it might not be your best option. While you may not necessarily be able to find “cheap” rates, the table below shows some of the lowest quotes after a DWI, according to Insurify data.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Erie | $111 |
| Direct Auto | $113 |
| Nationwide | $113 |
| Liberty Mutual | $114 |
| National General | $114 |
| GEICO | $126 |
| Safeco | $126 |
| Dairyland | $127 |
| Progressive | $131 |
| Travelers | $142 |
| Allstate | $153 |
| State Farm | $183 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Liability rates start at $131 per month for drivers with a DWI
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How a DWI affects car insurance rates in North Carolina
A DWI significantly affects your car insurance rates, regardless of your location. Since insurers consider you a high-risk driver, you’ll automatically face a high rate increase from your car insurance company.
Here are the average rates drivers pay in North Carolina with and without a DWI.
With DWI | Without DWI | |
|---|---|---|
| Average driver | $157 | $77 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to get car insurance with a DWI in North Carolina
If you’re caught driving while intoxicated in North Carolina, you’ll need to file a DL-123 form — also known as an SR-22 form — to get car insurance again.[?] The DL-123 (SR-22) form provides proof that you have the minimum insurance coverage required in North Carolina. Ask your current car insurance company to file it for you if it agrees to renew your coverage.
If your current car insurance company won’t file an SR-22 for you, you’ll need to find a high-risk or non-standard insurance company that can insure you and file this form on your behalf. To lower your rates, check for discounts, raise your deductible, or remove comprehensive and collision coverage if your car is paid for.
DWI laws in North Carolina
North Carolina requires drivers with a DWI conviction to carry a DL-123 form (known as an SR-22 form in most other states) after a DWI conviction. This form proves you have the minimum liability car insurance North Carolina requires.
If you’re pulled over for suspected DWI, you can choose to take a test to determine your blood alcohol content (BAC). If your BAC exceeds 0.08%, the state will automatically suspend your license for 30 days. If you refuse to take the test, the state will suspend your license for one year.
The consequences of a DWI conviction in North Carolina are as follows:
Minimum car insurance requirements in North Carolina
North Carolina requires every driver to carry car insurance.[?] These are the minimum car insurance requirements you’ll need before you get behind the wheel:
$50,000 per person in bodily injury liability coverage
$100,000 per accident in bodily injury liability coverage
$50,000 per accident in property damage liability coverage
A DWI can’t be expunged from your record in North Carolina and may increase your car insurance rates for years.[?] How much it affects your rates depends on your car insurance company.
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Monthly rates start at $131 for drivers with a DWI
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DWI car insurance in North Carolina FAQs
If you’re struggling to find affordable insurance after a DWI, take a look at the answers to some of the most commonly asked questions about DWI insurance in North Carolina.
What is the cheapest car insurance company in North Carolina after a DWI?
Nationwide is the cheapest car insurance company, on average, in North Carolina after a DWI.
How long will a DWI affect your car insurance premium?
In North Carolina, a DWI remains on your record permanently. How long it affects your car insurance premium depends on the severity of your DWI conviction. While some insurance companies may be more forgiving, you’ll need to compare quotes to find the best insurer for your needs.
How much is DWI insurance in North Carolina?
DWI insurance in North Carolina costs an average of $157 per month, Insurify data shows.
How long does it take for a DWI to come off your record in North Carolina?
In North Carolina, a DWI remains on your record permanently.
Do you have to tell your insurance you got a DUI?
You’re not legally required to tell your car insurance company that you got a DUI, but it’s a good idea to do so. Insurance companies routinely check your driving record when your policy renews, so if you don’t inform your insurance company, it’ll likely choose not to renew your policy.[?]
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