Finding good, cost effective insurance is challenging, and deciding which companies quote the most affordable auto insurance rates for drivers with a DUI takes even more work. Each company has their own formula to establish rates, so let’s begin by taking a look at the lowest cost auto insurance companies in Greensboro.
Cheap Insurance Rates after a DUI
|Rank||Company||Cost Per Year|
|4||NC Farm Bureau||$716|
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Progressive quotes some of the best car insurance rates in Greensboro at around $632 a year. This is $240 less than the average rate 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 more affordable Greensboro, NC insurance companies.
In the above example, if you currently have coverage with NC Farm Bureau and switched to Progressive, you could see yearly savings of roughly $84. Policyholders with Penn National may save as much as $85 a year, and GEICO customers might lower prices by $88 a year.
These policy prices are averages across all drivers and vehicles in North Carolina and do not take into consideration a specific zip code for drivers with a DUI. So the company that has the cheapest price for you may not even be in the list above. That is why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
After getting a DUI, one of the largest criteria that help determine the amount you pay each year for auto insurance is where you keep your vehicle in Greensboro. Areas with more people or even just a higher incidence of claims tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.
The next table sorts the highest-priced places in North Carolina for drivers with a DUI to buy auto insurance in. Greensboro makes the list at #10 with an annual cost of $756 for the average policyholder, which is around $63 monthly.
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Rate information is comparative as specific Greensboro garaging address can increase or decrease rates considerably.
The vehicle you are buying coverage for is probably the most important factor when comparing economical coverage for drivers with a DUI. Vehicles with lots of horsepower, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models.
The data below showcases coverage prices for a handful of the more affordable vehicles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Odyssey LX||$1,609|
|Toyota Tacoma 4WD||$1,641|
|Ford Escape XLT 2WD||$1,703|
|Chevrolet Impala LT||$1,735|
|Chevrolet Malibu Hybrid||$1,743|
|Toyota RAV4 4WD||$1,735|
|Honda CR-V EX-L 2WD||$1,744|
|Chevrolet Silverado LS Regular Cab 4WD||$1,777|
|Ford Edge SEL AWD||$1,880|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,908|
|Dodge Grand Caravan SE||$1,918|
|Chevrolet Equinox LT AWD||$1,917|
|Ford F-150 Lariat Super Cab 2WD||$1,951|
|Toyota Camry Hybrid||$1,988|
|Honda Accord EX-L 2-Dr Coupe||$1,997|
|Kia Optima EX||$1,988|
|Toyota Corolla XLE||$2,020|
|Volkswagen Jetta 2.0T 4-Dr Sedan||$2,055|
|Ford Explorer Limited AWD||$2,057|
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Data based on single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in Greensboro, NC location which can increase or decrease prices substantially.
Based upon the table data, you can see that cars like the Honda Odyssey, Toyota Tacoma, Ford Escape, and Chevrolet Impala should be the less-costly vehicles to insure after getting a DUI. Auto insurance rates will tend to be higher because of the fact that there is more liability exposure for drivers with a DUI, but overall those models will tend to have the cheapest auto insurance rates possible.
Careless Greensboro drivers pay higher rates
The best way to enjoy the best auto insurance prices in North Carolina after getting a DUI is to drive attentively and not get tickets or have accidents. The example below shows how speeding tickets and accidents increase car insurance costs for different categories of driver ages. Data assumes a single female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
The data above shows the average cost of car insurance in Greensboro per year with a clean driving record and no accidents is $1,817. Add in one speeding ticket and the average cost rises to $2,058, an increase of $242 each year. Now throw 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 $2,750. That’s an increase of $934, or $78 per month, just for being a little careless behind the wheel!
Types of discounts on Greensboro car insurance rates
Auto insurance companies that sell policies for drivers with a DUI may also give you rate discounts that can lower rates by as much as 40% or more if you are eligible for them. The best auto insurance companies and the discounts they provide include:
- Mercury Insurance offers discounts including good student, multi-policy, annual mileage, ease of repair, good driver, and type of vehicle.
- Farmers Insurance may offer discounts for bundle discounts, youthful driver, good student, early shopping, distant student, and pay in full.
- Farm Bureau has discounts for good student, safe driver, youthful driver, multi-policy, renewal discount, and 55 and retired.
- State Farm policyholders can earn discounts including safe vehicle, good driver, defensive driving training, accident-free, and anti-theft.
- Allstate may have discounts that include FullPay discount, new car, resident student, good payer, good student, and anti-lock brakes.
- GEICO includes discounts for multi-vehicle, five-year accident-free, driver training, military active duty, and seat belt use.
The information below illustrates the comparison of car insurance rates with and without discounts applied. The premiums assume a male driver, no at-fault accidents and three violations, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with paid-in-full, vehicle safety, anti-theft, homeowner, marriage, and multiple vehicle discounts applied. When discounts are factored in, the average amount saved each year on auto insurance for drivers with a DUI is 28% or $751.
How to find more affordable insurance for drivers with a DUI
Lowering your rates is not difficult, and here are many penny-pinching suggestions that can help North Carolina drivers find low-cost coverage.
- Do not pay for full coverage on older vehicles
- Accidents can significantly increase rates
- Vehicles with good safety ratings have lower liability rates
- Maintaining good credit helps earn cheaper rates
- Bundle home and auto and save
- Compare rates regularly and switch companies to save money
That last idea is certainly crucial, as was emphasized in this piece. Auto insurance prices vary considerably, so don’t hesitate to buy from a different company if a better rate can be found. Having a favorite company is fine, but is isn’t recommended if that inflexibility results in costing you hundreds of dollars year after year. In just a few minutes you could shop around to find cheaper car insurance for drivers with a DUI in Greensboro.
The agents listed below can most likely provide answers to your questions and help you determine which policy is best, as some drivers wish to get some help when comparing insurance rates for drivers with a DUI. It can be complicated to find the cheapest rate yourself, and getting professional guidance from a licensed agent can provide you comfort knowing your coverage gives you enough protection.
To find an auto insurance agency using an interactive map, click the button link following the list or click here to get price quotes now.
- Fleszar Insurance Agency
218 S Swing Rd #1 – Greensboro, NC 27409 – (336) 553-2780
- Allstate Insurance: Michael Patterson
3817 Lawndale Dr, Ste B2 – Greensboro, NC 27455 – (336) 545-4596
- Piedmont Triad Insurance, Inc.
7 Battleground Ct Ste. 224 – Greensboro, NC 27408 – (336) 282-5555
- State Farm: Ashley Collins
w ste b 27403, 1610 W Friendly Ave – Greensboro, NC 27403 – (336) 274-7900
- Gladwell Insurance Agency
5709 W Friendly Ave – Greensboro, NC 27410 – (336) 299-5185