Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In North Carolina, licensed drivers are required to have auto insurance coverage that meets specific minimum requirements. These requirements include bodily injury liability coverage of at least $30,000 per person and $60,000 per accident, and property damage liability coverage of at least $25,000. North Carolina also mandates uninsured/underinsured motorist coverage with the same minimums. The cost of auto insurance in North Carolina can be influenced by various factors, including the driver's record. Traffic violations such as speeding can result in a significant increase in insurance premiums, and more severe infractions like DUI/DWI or hit-and-run can lead to even higher costs. Drivers in North Carolina who have received a traffic citation or have been charged with a driving-related offense that could impact their insurance rates may benefit from consulting with an attorney who specializes in traffic law to explore their options and potentially mitigate the consequences.