Introduction
Driving under the influence (DUI) is a serious offense in North Carolina. The state has strict laws and penalties for those convicted of DUI. Getting a DUI can not only result in fines and jail time but can also lead to higher car insurance rates. In this article, we will discuss North Carolina car insurance DUI and what drivers can expect if they are convicted of DUI.
What is DUI?
In North Carolina, DUI is driving under the influence of drugs or alcohol. If a driver’s blood alcohol concentration (BAC) is 0.08% or higher, they are considered legally intoxicated. For commercial drivers, the legal limit is 0.04% BAC, and for drivers under 21, the limit is 0.00% BAC.
Penalties for DUI in North Carolina
If a driver is convicted of DUI in North Carolina, they can face fines, jail time, license suspension, and other penalties. The severity of the penalties depends on the driver’s BAC, previous convictions, and other factors. For example, a first-time DUI offender with a BAC of 0.08% to 0.14% can face a fine of up to $200 and up to 60 days in jail. If the driver’s BAC is 0.15% or higher, they can face a fine of up to $2,000 and up to one year in jail.
How DUI Affects Car Insurance Rates
Getting a DUI can also have a significant impact on car insurance rates in North Carolina. Car insurance companies consider DUI convictions as high-risk behavior, which means drivers who have been convicted of DUI are more likely to file a claim or be involved in an accident. As a result, car insurance rates for drivers with a DUI conviction can be significantly higher than for drivers without a DUI.
North Carolina Car Insurance Requirements
In North Carolina, all drivers are required to have car insurance. The minimum requirements for car insurance in North Carolina are liability coverage of at least $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage. Drivers can also opt to purchase additional coverage, such as collision and comprehensive coverage, to protect themselves in case of an accident.
How DUI Affects Car Insurance Rates in North Carolina
As mentioned earlier, a DUI conviction can lead to higher car insurance rates in North Carolina. The exact amount of the rate increase depends on several factors, such as the driver’s age, driving history, and the severity of the DUI offense. On average, drivers with a DUI can expect their car insurance rates to increase by 50% or more.
How to Find Affordable Car Insurance After a DUI
After a DUI conviction, finding affordable car insurance can be challenging. However, there are several steps drivers can take to reduce their car insurance rates. One option is to shop around and compare rates from different car insurance companies. Drivers can also opt to take a defensive driving course or install a device that monitors their driving behavior to show their commitment to safe driving.
Conclusion
Getting a DUI in North Carolina can have severe consequences, including higher car insurance rates. It’s essential for drivers to understand the state’s DUI laws and penalties and how a DUI conviction can affect their car insurance rates. By taking steps to improve their driving behavior, drivers can reduce their car insurance rates and get back on the road.
