Cheap High Risk Car Insurance in Charlotte


Helping you find high-risk car insurance in Charlotte quickly and effortlessly.





High Risk Car Insurance in Charlotte and What You Need to Know



Motorists who are believed to be the riskiest drivers tend to fall under a nonstandard insurance umbrella, or a high-risk plan. Due to the costs of being a high-risk driver, finding the best priced high-risk car insurance in Charlotte is important. Being a high-risk driver does not necessarily equate to being a terrible driver. A large subset of motorists are high-risk drivers, and many them cannot get coverage from leading insurers. If you have been determined a high-risk motorist and looking for high-risk car insurance in Charlotte, then comparing companies for the best rates is vital, since the price of policies could vary drastically. Some large insurance companies do insure high-risk motorists, and many smaller insurers concentrate on just those plans. Whether you decide to use a small or major insurance business, we want to give you the best opportunity to discover the best rates for high-risk car insurance in Charlotte and the surrounding area.

Lowest Price Increase for High Risk Car Insurance in Charlotte Compared to Normal Rates

35 %

Lowest Price Increase for High Risk Car Insurance in Charlotte After 1 DUI

89 %

Highest Price Increase for High Risk Car Insurance in Charlotte After 1 DUI

133 %

Average Price of Car Insurance in Charlotte by Driving History



  • 4,693.47

    DUI

    Average Cost of Car Insurance for those with a DUI.

  • 2,039.19

    Reckless Driving

    Average Cost of Car Insurance for those with a reckless driving infraction.

  • 1,539.24

    At-fault Accident (damages less than ,000)

    Average Cost of Car Insurance for those with a an at-fault accident on record.

  • 1,420.56

    Clean Record

    Average Cost of Car Insurance for those with a clean record.


Why You Need High Risk Car Insurance in Charlotte

There are a couple of reasons why an individual may require a high-risk auto insurance plan. Some vehicles and drivers may simply be more inclined to get into accidents than others. If a driver or car is considered a high-risk, this is represented by how much the driver pays for their car insurance premiums. Your driving record will indicate if you require high-risk auto insurance. If you have been convicted of driving under the influence (DUI) of alcohol or drugs, or if you have several offenses like speeding tickets, then it’s possible that you will be thought of as a high risk driver. This will typically require you to purchase high-risk car insurance in Charlotte. Recent driving history has become a crucial element in deciding whether you need high-risk car insurance. Locating the right high-risk car insurance in Charlotte for drivers deemed as such can seem like a daunting task, but it is not hopeless. In the meantime, an approved defensive driving class can help bring down costs, particularly if you are a new driver. Telematic programs may also help lower prices by proving you are engaging in safe driving practices.
high risk car insurance Charlotte NC content image

Recent driving history has become a crucial element in deciding whether you need high-risk car insurance.


What is an SR22 and How to Get a High Risk Car Insurance Policy for One in Charlotte


There can be confusion regarding SR-22 requirements and how it partners with your current car insurance premiums. Drivers who are eager to get back on the road, but who also require an SR-22 in Charlotte must understand what an SR-22 certification is and how it impacts their decision to drive. Ultimately, this understanding helps drivers choose the high-risk car insurance policy that fits. An SR-22 certificate is a filed form, not a type of insurance. This certification verifies that the person named on the form takes responsibility for having state-mandated car insurance. This means that the insurance carrier that files the SR-22 confirms that you have high-risk car insurance coverage, and you are fiscally responsible for any mishaps that may occur. It also enables North Carolina to if you are not complying with mandates. You can only acquire an SR-22 through the car insurance company that you use for your high-risk car insurance plan. There is no other way to file the form. Insurance providers will typically bill a one-time filing fee for the SR22. If your insurance provider does not recognize the SR-22, or you are uninsured, you need to search for a high-risk car insurance different provider in Charlotte. If you want an SR-22 filed, then you will likely pay more than you normally would for auto insurance. However, not all is lost. We can help you compare high-risk auto insurance quotes to help you find the best possible high-risk rates in Charlotte.

Lowest Price Increase for High Risk Car Insurance in Charlotte with a SR-22

49 %

Highest Price Increase for High Risk Car Insurance in Charlotte with a SR-22

195 %


How Accidents Affect Your Minimum Coverage Rates in Charlotte

Accidents or tickets that occurred within the previous 12 months will weigh more on the cost of your insurance than something that happened five decades ago. High-risk car insurance is also needed for motorists who may be a fiscal threat, as determined by insurance companies. These drivers are not always considered poor drivers, but they are more costly to cover, due to records of payment lapses or insurance gaps.

Age BracketAverage Full Coverage Rate for High Risk Drivers in Charlotte
High Risk Drivers in Their Teens4,180.62
High Risk Drivers in Their 20s2,019.15
High Risk Drivers in Their 30s1,824.94
High Risk Drivers in Their 40s1,781.41
High Risk Drivers in Their 60s1,709.42



How to Get the Best High Risk Car Insurance in Charlotte

Comparison shopping is your best friend when it comes to buying high-risk car insurance in Charlotte. Policies vary greatly by insurance suppliers, so the prices of high-risk auto insurance premiums will vary as well. One insurance carrier may scrutinize the previous five decades of your driving history, but a different insurance provider may only look at the previous ten years. Each will have a different way of assessing the danger of unique offenses. Also, what one company thinks of as a high-risk category may not be considered high-risk by another. Some car insurance suppliers specialize in providing high-risk car insurance in Charlotte. These companies may understand your struggle and needs more than a normal insurer can. Our agents are experts who understand various types of insurance and can assist high-risk drivers navigate the different coverage choices, so they can get the optimal high-risk car insurance for their needs. If you are dreading the idea of spending hours comparing high-risk car insurance quotes between different providers, fear not! We are here to help.

Comparison shopping is your best friend when it comes to buying high-risk car insurance in Charlotte. Policies vary greatly by insurance suppliers, so the prices of high-risk auto insurance premiums will vary as well.