North Carolina’s vehicle insurance premiums are among the lowest in the country—that is, as extended as drivers stay on the appropriate side of the law. Those who are assessed speeding tickets face many expenditures on the way to recovering their good record. Initial, if they’re caught going 15 MPH more than the speed limit, they will—in most cases—pay a $ 30 ticket, plus $ 188 in court expenses. They’ll also obtain points on their license.
Legal penalties are just the beginning. North Carolina’s Division of Insurance coverage maintains a separate technique for violations affecting auto insurance coverage. Drivers obtain points against their insurance—the quantity depends on the speed limit in the zone exactly where the driver was caught and the speed they were driving—and premium increases that last for 3 years. The correct cost of a speeding ticket in North Carolina is much more than 53 times the cost of the actual ticket—drivers spend an average of $ 1,619.63 for a $ 30 speeding ticket.
What to Do If You Get a Speeding Ticket in North Carolina
Luckily, drivers who are caught speeding in North Carolina have a couple of excellent choices, as long as they haven’t had any violations within the previous 3 years. Agent Shaun Adams of S.J. Adams Insurance coverage in Raleigh says, “We’ll recommend our clientele go to an lawyer and get the charge decreased to 10 over”—that is, 10 mph more than the speed limit, which carries a lesser penalty. If the driver is productive, there’ll be no points assessed on his or her record and the insurance premium won’t change.
Drivers may also enter a Prayer for Judgment Continued (PJC). In this case, a driver may possibly technically acquire a conviction, but with out insurance consequences. Nonetheless, every single household is only allowed one PJC each and every 3 years for insurance purposes, so drivers must use this privilege very carefully. “If you get another ticket within 3 years, you’ll spend the penalty for both,” Adams warns.
Those unable to lodge a PJC or reduce their charge will receive insurance points and a premium hike at renewal. If their record is still great enough, Adams suggests they appear for an insurer with a lower base price: “Sometimes you can get a better deal,” he says.
Key Findings
- Even though North Carolina’s average car insurance premium is a quite affordable $ 902.67, drivers who are caught speeding will spend an average of $ 1,369.89 every single year—a hike of 51.81%, or $ 467.21—provided they switch insurers.
- As in many states, North Carolina drivers encounter premium increases for 3 years after a targeted traffic offense. This implies they’re really on the hook for an average of $ 1,401.63 in further insurance payments as the result of a single ticket.
- On typical, a driver convicted of driving 15 miles an hour more than the speed limit will pay $ 1,619.63 once fines, court costs and 3 years’ worth of vehicle insurance increases are factored in.
The Most Expensive Speeding Tickets in North Carolina
Note: Areas with comparable demographics, regulation and geography frequently have comparable insurance coverage rates. As a result, many spots on our leading 10 list are ties among 2 or far more cities.
1. Hope Mills
Spring Lake
Accurate price of a speeding ticket: $ 1,830.50
Drivers in Hope Mills and Spring Lake will pay the most following a speeding ticket in North Carolina. Even ahead of receiving a speeding ticket, drivers in Hope Mills and Spring Lake face higher vehicle insurance prices. On average they spend $ 1,101.83 annually, about $ 200 more than the state typical.
2. Fayetteville
Correct cost of a speeding ticket: $ 1,825.82
Fayetteville is a close neighbor to Hope Mills and Spring Lake and the city’s drivers face the subsequent highest premium increase following a speeding ticket, even if they switch providers. Drivers will, on average, pay $ 535.94 more for insurance coverage every single year.
Fayetteville is the property of Fort Bragg, a main army base. When searching for car insurance coverage, soldiers ought to see if they are in a position to get a discount. USAA, a vehicle insurance coverage business, only delivers insurance to soldiers and their loved ones members. If drivers qualify for USAA, it is typically the cheapest alternative.
3. Charlotte
True cost of a speeding ticket: $ 1,822.76
Charlotte is North Carolina’s biggest city and its drivers will pay the third highest penalty for a speeding ticket over 3 years. Prior to getting a ticket, the typical Charlotte driver will spend $ 992.83 per year for vehicle insurance. Following receiving a speeding ticket, nevertheless, Charlotte drivers will see their annual premiums jump to $ 1,604.76.
4. Lumberton
Laurinburg
Correct cost of a speeding ticket: $ 1,814.24
Additional south, drivers in Lumberton and Laurinburg encounter the next biggest premium improve following a speeding ticket even if they switch providers: about $ 532.08 per year. This amounts to a 50.05% increase, decrease than the one knowledgeable by Charlotte drivers. Nonetheless, due to the fact Lumberton and Laurinburg drivers have higher base premiums for secure drivers, those with a speeding ticket will pay $ 1,595.08 per year in automobile insurance coverage.
The southeast element of the state, exactly where Lumberton and Laurinburg are located, is reasonably costly for these acquiring auto insurance. Several other cities and towns in the best 10 are nearby. Interestingly, one of the bigger cities in the region, Wilmington, has a per-year insurance enhance of about $ 30 less than Lumberton and Laurinburg.
5. Sanford
Clayton
Smithfield
True price of a speeding ticket: $ 1,793.27
Sanford, Clayton and Smithfield, all situated amongst Raleigh and Fayetteville, have the next highest difference amongst pre- and post-ticket premiums. Drivers in these towns will see a premium about $ 1,557.42 once they’ve been convicted of speeding. This is an boost in premiums of about $ 525.09 per year, or $ 1,575.27 total over the 3-year penalty.
Though the 3 towns are reasonably distant from key cities, residents pay a slightly greater price for insurance coverage than other towns even closer to Raleigh. Apex and Garner drivers, for example, spend $ 1,364.75 and $ 1,362.08 per year for auto insurance coverage respectively, compared to xxx for Sanford, Clayton and Smithfield.
6. Jacksonville
Accurate cost of a speeding ticket: $ 1,773.26
Drivers in Jacksonville pay, on average, more for automobile insurance than other North Carolina drivers. The typical Jacksonville driver pays $ 1,036.00 for car insurance annually. Right after receiving a speeding ticket, they will spend $ 518.42 much more for insurance coverage every single year. Given that insurance increases final for 3 years in North Carolina, Jacksonville drivers will spend $ 1,555.26 in added insurance charges as a outcome of a single speeding ticket.
7. Gastonia
Mount Holly
Kings Mountain
Belmont
True cost of a speeding ticket: $ 1,755.77
Gastonia, Kings Mountain, Mount Holly and Belmont all sit east of Charlotte and share the very same average vehicle insurance coverage rates. Drivers with clean records pay an average annual premium of $ 986.08 but if they get a ticket, they’ll see their rate climb to $ 1,498.67—$ 512.59 in added premiums per year. Because rate increases last for 3 years, drivers will pay $ 1,537.77 far more in total before their rates go back to typical.
7 Leland
True expense of a speeding ticket: $ 1,720.49
Residents of Leland, which is just outdoors of Wilmington, see their premiums jump to $ 1,454.50 if they obtain a speeding ticket. This amounts to a 52.52% boost, even for comparison shoppers, or $ 500.83 much more each year of the penalty.
The southern portion of North Carolina sees slightly larger premiums, on typical, than the northern part coastal cities also rank high on the list. Leland, Wilmington, Jacksonville and Elizabeth City all make the leading 10, ahead of larger cities further north and inland. Greensboro drivers see a total expense of $ 1,600.28 for a speeding ticket, much more than $ 100 significantly less than drivers in Leland. Drivers in Winston-Salem and Durham have related figures.
9. Wilmington
True price of a speeding ticket: $ 1,712.51
Wilmington drivers pay the ninth highest expense in the state for a speeding ticket, taking into consideration legal fees and insurance premiums. Right after 3 years of elevated premiums, they’ll have paid an average of $ 1,494.51 added to their insurance company—about $ 498.17 per year.
Drivers in Wilmington, the eighth biggest city in North Carolina, expertise larger prices than these in Higher Point, a city with a equivalent population. On average, drivers in High Point will see their car insurance coverage prices enhance by $ 445.16 as the result of a ticket. The standard driver in Greenville, the next largest city, will pay $ 474.92 more for auto insurance coverage.
8. Elizabeth City
Correct price of a speeding ticket: $ 1,671.50
Rounding out the leading 10, Elizabeth City drivers see a comparable, but reduced, true expense for speeding compared to other coastal drivers. As soon as they get a speeding ticket, their best insurance price increases an average 52.46%, from $ 923.50 to $ 1,408.00. That adds up to $ 484.50 in added premiums every year, over 3 years.
Elizabeth City is the northernmost town in the prime 10. Although North Carolina doesn’t have as massive a spread in premiums in between cities as some states do, the northern part of the state does see decrease typical rates. In Henderson, drivers pay about $ 482.25 per year in added premiums following a ticket—only about $ 2 much less than drivers in Elizabeth City, but virtually $ 50 significantly less than these in Lumberton or Laurinburg.
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Most Expensive Cities to Get a Speeding Ticket in North Carolina
| Rank | City | Annual premium | Annual premium soon after a speeding ticket | Percentage boost | Dollar improve | Total insurance improve right after 3 years | Accurate Expense |
|---|---|---|---|---|---|---|---|
| 1 | Hope Mills | $ 1,101.83 | $ 1,639.33 | 48.78% | $ 537.50 | $ 1,612.50 | $ 1,830.50 |
| 1 | Spring Lake | $ 1,101.83 | $ 1,639.33 | 48.78% | $ 537.50 | $ 1,612.50 | $ 1,830.50 |
| 2 | Fayetteville | $ 1,093.15 | $ 1,629.09 | 49.03% | $ 535.94 | $ 1,607.82 | $ 1,825.82 |
| 3 | Charlotte | $ 992.83 | $ 1,527.75 | 53.88% | $ 534.92 | $ 1,604.76 | $ 1,822.76 |
| 4 | Lumberton | $ 1,063.00 | $ 1,595.08 | 50.05% | $ 532.08 | $ 1,596.24 | $ 1,814.24 |
| 4 | Laurinburg | $ 1,063.00 | $ 1,595.08 | 50.05% | $ 532.08 | $ 1,596.24 | $ 1,814.24 |
| 5 | Sanford | $ 1,032.33 | $ 1,557.42 | 50.86% | $ 525.09 | $ 1,575.27 | $ 1,793.27 |
| 5 | Clayton | $ 1,032.33 | $ 1,557.42 | 50.86% | $ 525.09 | $ 1,575.27 | $ 1,793.27 |
| 5 | Smithfield | $ 1,032.33 | $ 1,557.42 | 50.86% | $ 525.09 | $ 1,575.27 | $ 1,793.27 |
| 6 | Jacksonville | $ 1,036.00 | $ 1,554.42 | 50.04% | $ 518.42 | $ 1,555.26 | $ 1,773.26 |
| 7 | Gastonia | $ 986.08 | $ 1,498.67 | 51.98% | $ 512.59 | $ 1,537.77 | $ 1,755.77 |
| 7 | Mount Holly | $ 986.08 | $ 1,498.67 | 51.98% | $ 512.59 | $ 1,537.77 | $ 1,755.77 |
| 7 | Kings Mountain | $ 986.08 | $ 1,498.67 | 51.98% | $ 512.59 | $ 1,537.77 | $ 1,755.77 |
| 7 | Belmont | $ 986.08 | $ 1,498.67 | 51.98% | $ 512.59 | $ 1,537.77 | $ 1,755.77 |
| 8 | Leland | $ 953.67 | $ 1,454.50 | 52.52% | $ 500.83 | $ 1,502.49 | $ 1,720.49 |
| 9 | Wilmington | $ 936.25 | $ 1,434.42 | 53.21% | $ 498.17 | $ 1,494.51 | $ 1,712.51 |
| 10 | Elizabeth City | $ 923.50 | $ 1,408.00 | 52.46% | $ 484.50 | $ 1,453.50 | $ 1,671.50 |
| Rank | City | Annual premium | Annual premium right after a speeding ticket | Percentage enhance | Dollar enhance | Total insurance coverage increase following 3 years | Correct Price |
|---|---|---|---|---|---|---|---|
| 1 | Asheville | $ 809.33 | $ 1,220.67 | 50.82% | $ 411.34 | $ 1,234.02 | $ 1,452.02 |
| 2 | Indian Trail | $ 823.42 | $ 1,237.75 | 50.32% | $ 414.33 | $ 1,242.99 | $ 1,460.99 |
| 3 | Monroe | $ 818.88 | $ 1,235.00 | 50.82% | $ 416.12 | $ 1,248.36 | $ 1,466.36 |
| 4 | Harrisburg | $ 805.75 | $ 1,222.58 | 51.73% | $ 416.83 | $ 1,250.49 | $ 1,468.49 |
| 5 | Concord | $ 790.42 | $ 1,207.83 | 52.81% | $ 417.41 | $ 1,252.23 | $ 1,470.23 |
| 5 | Salisbury | $ 790.42 | $ 1,207.83 | 52.81% | $ 417.41 | $ 1,252.23 | $ 1,470.23 |
| 6 | Thomasville | $ 789.92 | $ 1,212.08 | 53.44% | $ 422.16 | $ 1,266.48 | $ 1,484.48 |
| 6 | Summerfield | $ 789.92 | $ 1,212.08 | 53.44% | $ 422.16 | $ 1,266.48 | $ 1,484.48 |
| 7 | Kannapolis | $ 839.96 | $ 1,271.00 | 51.32% | $ 431.04 | $ 1,293.12 | $ 1,511.12 |
| 8 | Asheboro | $ 815.58 | $ 1,250.75 | 53.36% | $ 435.17 | $ 1,305.51 | $ 1,523.51 |
| 9 | Shelby | $ 862.33 | $ 1,300.58 | 50.82% | $ 438.25 | $ 1,314.75 | $ 1,532.75 |
| 9 | Lincolnton | $ 862.33 | $ 1,300.58 | 50.82% | $ 438.25 | $ 1,314.75 | $ 1,532.75 |
| 10 | Lexington | $ 826.75 | $ 1,265.58 | 53.08% | $ 438.83 | $ 1,316.49 | $ 1,534.49 |
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