DUI impact on car insurance
A DUI conviction combined with an at-fault accident that totaled your car and a one-year license suspension will have a severe and long-lasting impact on your car insurance: - **Significant Rate Increase:** After a DUI in North Carolina, your car insurance premium can increase dramatically—by as much as 358%, with average annual rates jumping from about $955 to $4,371 or more[2][1]. This is one of the steepest increases in the country. - **Mandatory SR-22:** You will likely be required to file an SR-22, which is a certificate proving you have the state-required minimum insurance coverage. This filing is necessary to reinstate your license and signals to insurers that you are a high-risk driver[3][5]. - **Policy Cancellation or Non-Renewal:** Many insurers may choose to cancel your policy or refuse to renew it after a DUI and serious accident. You may need to seek coverage from companies specializing in high-risk drivers, often at even higher rates[3][5][8]. - **Loss of Discounts:** An...