A DUI/DWI conviction, driver’s license suspension or revocation, or related accident or traffic violation may significantly increase a driver’s insurance rate (by an average of 80%)—and two or more DUI/DWI convictions may make it difficult for a driver to acquire the insurance necessary to operate a vehicle.
In North Carolina, a DUI/DWI (Driving Under the Influence/Driving While Impaired) conviction can have a substantial impact on a driver's car insurance rates. North Carolina law treats DUI/DWI offenses seriously, and insurance companies typically raise premiums for drivers with such convictions on their records. On average, insurance rates can increase by about 80% following a DUI/DWI conviction. This is due to the higher risk associated with insuring drivers who have demonstrated unsafe behavior on the road. Furthermore, drivers with multiple DUI/DWI convictions may face even greater challenges, as insurers may consider them high-risk drivers, making it difficult to find affordable insurance coverage. In some cases, insurers may refuse to provide coverage altogether. Additionally, North Carolina operates under a point system, where points are added to a driver's record for traffic violations, including DUI/DWI. Accumulating points can lead to driver's license suspension or revocation, further complicating the ability to obtain necessary insurance for vehicle operation.