A conviction for driving under the influence (DUI) or driving while impaired (DWI) can have serious legal consequences—but it also impacts your auto insurance rates. In North Carolina, insurance companies closely evaluate your driving record, and a DUI or DWI can make you a high-risk driver in their eyes. At Pegram Insurance Agency, we work with drivers who are navigating the aftermath of a conviction and looking for realistic options for DUI/DWI Insurance.
In this article, we’ll break down how DUI and DWI offenses affect your car insurance in North Carolina, what you can expect after a conviction, and how you can start moving forward with the right support.
What’s the Difference Between DUI and DWI in North Carolina?
In North Carolina, DUI (Driving Under the Influence) and DWI (Driving While Impaired) are terms often used interchangeably, but the legal system generally uses DWI as the official term. A DWI can refer to impairment caused by alcohol, drugs, or even a combination of both. No matter the substance, if a driver is found to be impaired behind the wheel, it can result in a conviction.
For insurance purposes, both DUI and DWI are treated the same. They are categorized as serious violations and can significantly affect how much you pay for auto insurance, especially when searching for DUI/DWI Insurance options in North Carolina.
How Does a DUI or DWI Conviction Affect My Insurance Rates?
A conviction will usually lead to a steep increase in your premiums. Insurers reassess your risk level after a DUI or DWI conviction, often placing you in a high-risk category. This can result in rates that are significantly higher than what you paid before the incident.
In North Carolina, a DUI/DWI conviction stays on your driving record for several years. During this time, your insurance premiums will reflect the increased risk that insurers associate with impaired driving. Depending on your provider and policy, this rate increase could last three years or more.
What Is DUI/DWI Insurance and Do I Need It in North Carolina?
While there isn’t a separate product called “DUI Insurance” or “DWI Insurance,” the term generally refers to auto insurance that meets state requirements for drivers with a DUI or DWI conviction. In North Carolina, this often includes filing an SR-22 form, which is a certificate of financial responsibility.
Your insurance provider must submit the SR-22 to the North Carolina Division of Motor Vehicles (DMV) as proof that you carry the minimum required liability coverage. Not all insurance companies are willing to issue policies that include SR-22 filings, which is why working with an agency like Pegram Insurance Agency can make the process easier; we’ll help you explore providers that specialize in high-risk drivers.
How Long Will a DUI/DWI Affect My Insurance in North Carolina?
The effects of a DUI or DWI on your auto insurance can vary, but in North Carolina, these violations typically impact your record for up to seven years. During this time, most insurance providers will view you as a higher-risk driver.
That said, some companies may offer rate reductions over time if you maintain a clean driving record after the conviction. Shopping around periodically, especially after the first few years, can help you find more favorable premiums as your record improves.
Can I Still Get Auto Insurance After a DUI or DWI Conviction?
Yes, but it may take more effort. After a DUI or DWI conviction, not every insurer will be willing to offer you coverage. Some companies may cancel your policy, while others may choose not to renew it once it expires. Those that do offer coverage typically charge higher premiums.
Pegram Insurance Agency works with insurance providers that offer policies specifically tailored to drivers with DUI/DWI convictions. We help North Carolina drivers get back on the road legally while complying with state insurance regulations.
What Steps Should I Take After a DUI or DWI in North Carolina?
If you’ve been convicted of a DUI or DWI, it’s essential to take the right steps to avoid further penalties and get your insurance needs in order. Here are a few actions to consider:
- Fulfill Legal Obligations – Pay fines, attend any required court appearances, and complete state-mandated courses or treatment programs.
- Reinstate Your License – Follow DMV requirements, which often include obtaining SR-22 insurance and paying a license reinstatement fee.
- Compare High-Risk Insurance Options – Work with a trusted agency like Pegram Insurance Agency to find affordable DUI/DWI Insurance coverage.
- Drive Responsibly – A clean record post-conviction can eventually help reduce your premiums over time.
How Can Pegram Insurance Agency Help?
At Pegram Insurance Agency, we understand that mistakes happen. Our role is to help North Carolina drivers get the insurance coverage they need after a DUI or DWI, without judgment. We work with a network of providers who understand the unique requirements of high-risk drivers and can provide:
- Policies that satisfy SR-22 requirements
- Competitive DUI Insurance options
- Flexible payment plans
- Guidance tailored to your situation
Whether you’re dealing with a recent conviction or trying to reduce your current premium, we’re here to help you explore your options and move forward with confidence.
Need Help Finding DUI/DWI Insurance in North Carolina?
If you’ve been convicted of a DUI or DWI in North Carolina, finding the right insurance coverage may seem overwhelming, but you don’t have to go through it alone. Pegram Insurance Agency can help you navigate the process, meet DMV requirements, and compare rates from providers who specialize in DUI Insurance.
Reach out to our team today to learn more about how we can help you stay protected, compliant, and on the road. Contact Pegram Insurance Agency today to learn more about DUI/DWI Insurance options in North Carolina. We’re here to help you take the next step.
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