North Carolina High Risk Driver Insurance

Specialist in Finding Insurance for Drivers with Violations: We Understand Violations and Save You Time

Secure Guaranteed Car Insurance Coverage Regardless of Your Driving Record.

Let Us Save You Time and Effort.

No Rejections, No Exceptions

If you've had a history of accidents, traffic violations, or DUI, you may be worried that no carrier will cover you. You’re more than welcome at Insurance Doctor of North Carolina. We believe that everyone deserves the best possible insurance, no matter their driving record.

Free Assistance with SR-22 or FS-1

Any time you’re dealing with past violations can become overwhelming, especially when you need to obtain an SR-22 or FS-1. We can help. Better yet, when you’re an Insurance Doctor of North Carolina client, we take care of them free of charge.

The Best Match for Your Situation

Your situation is unique, and our dedicated team of insurance experts works hard to make sure you get the coverage you need. With our personalized service, you’re sure to find a policy that fits your needs. From young drivers to those with less-than-ideal driving records, our pros can handle even the trickiest circumstances.

Continuous Reviews, Automatic Savings

At Insurance Doctor we don’t just help you find the right insurance – we also help you improve your driving record. We’ll provide you with steps you can take on your own, like taking a defensive driving course, to regain your good standing. As your record improves, we’ll help you find more competitive rates.

Take the first step – let us help you!

You’re more than a policy number to us. We take an active role in helping you navigate the insurance process with a troublesome driving record. With us, your past does not define your future coverage. We’re proud to help our high-risk clients obtain excellent coverage – and a better driving record. To learn more about the services Insurance Doctor of North Carolina provides to high-risk drivers, give us a call.

Frequently Asked Questions

These are both important documents that help you obtain insurance coverage. The SR-22 is a document that insurance companies file with the state to certify that you have met the minimum financial responsibility requirements to have the minimum coverage required in your state. You’ll usually need an SR-22 if your record includes more severe incidents.


North Carolina requires every person who owns a vehicle to obtain an FS-1. Essentially, this document serves as proof of financial responsibility. We’ll help you file your FS-1.

As a rule, traffic violations like speeding will remain on your record for 3-5 years. If you have more severe violations on your record, like at-fault accidents or DUI, they can stick around for more than five years. We’re happy to help you better understand how this will impact you personally. Because there’s no standard definition for what constitutes a high-risk driver, it’s often up to the individual carrier. Rest assured that we will find you the best possible policy – and the best possible rates - for your driving record.

As you work on improving your driving record, there are simple steps you can take toward becoming a low-risk driver. First and most importantly, never drive under the influence. Eliminate all distractions while driving, and always be sure to obey traffic laws and speed limits. It’s also crucial to make sure you’re in good financial standing. Keep an eye on your credit score and take care to pay your premium on time.

Again, it’s important to remember that there’s no agreed-upon definition for what makes someone a high-risk driver. In general, high-risk drivers are more likely to file insurance claims than other drivers. To make that determination, insurance companies will keep an eye out for the following factors:

  • A DWI or DUI conviction
  • A reckless driving conviction
  • At least one at-fault accident
  • Multiple speeding tickets
  • Multiple moving violations, like running a red light or making an improper turn
  • Having poor credit history
  • Having lapses in insurance coverage
  • Being a new driver who never had auto insurance coverage
  • Filing many claims in the last three years
  • Having a high-value vehicle

For reliable auto insurance coverage no matter what your driving record looks like, choose Insurance Doctor of North Carolina. Proudly serving motorists in Raleigh, Charlotte, Greensboro, and all communities across the state.


Or call us at (919) 872-8828