Cheap SR22 North Carolina Auto Insurance

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In North Carolina, there is no condition under state law that requires the filing of an SR-22 so North Carolina drivers do not need to worry about filing the form unless it is required in another state.

Instead of requiring an SR-22 insurance filing from drivers after certain violations of the driving laws have been made, North Carolina law requires all drivers to meet certain insurance coverage requirements before they are allowed to drive legally within the state.

SR22 insurance
SR22 insurance

DL123 in North Carolina

After being charged and convicted of a DWI in North Carolina, the process of getting your license reinstated can be overwhelming for most as certain requirements have to be met before reinstatement of your license can be approved. One of these is obtaining a DL123 form.

The DL123 is required by the North Carolina Department of Motor Vehicles to prove that you meet the state-mandated legal liability minimums. These minimums are:

Limited driving privileges

Drivers with a first DWI offence in North Carolina can be granted limited driving privileges depending on their Blood Alcohol Content (BAC) at the time of their arrest. However, such privileges are only available to certain people. These are:

  • People without a previous DWI conviction.
  • People with valid driver’s license
  • People who have completed substance abuse assessment with an approved DWI agency.

After meeting the criteria of eligibility for limited driving privileges, certain documents would need to be provided before they can be granted such privileges. These documents are:

  • A valid DL123 form (only valid for 30 days)
  • Completion form from substance abuse assessment program.
  • Petition for limited driving privileges
  • Three copies of the limited driving privilege form, completed and typed.

Cost of an SR-22 policy in North Carolina

While North Carolina drivers might not be legally required to file for an SR-22 after a DUI conviction or other traffic violations, they are required to possess adequate auto insurance before they get behind the wheel. The lack of need for an SR-22 negates the cost of filing the form but the offence that required the filing is still of importance.

Since, driving record is one of the factors affecting the quotes on insurance premiums in North Carolina, a DUI or DWI in the state would lead to a more expensive insurance premium.

North Carolina Car Insurance Rates Near Me


Cheap SR22 Car Insurance North Carolina

Types of SR-22 forms available in North Carolina

In North Carolina, no SR-22 filing is required for the reinstatement of a suspended or revoked license. As such, there are no different types of SR-22 forms.

However, there are different types of insurance policies that can be bought within the state. These are:

  • An operator’s policy. This provides coverage for drivers who operate cars but do not own them. It is also appropriate for drivers with no cars but with access to cars of family and friends they occasionally use.
  • An owner’s policy. This provides insurance coverage for a driver and a car he personally owns.
  • An operator-owner’s policy. This policy provides insurance coverage for all vehicles, whether owned or not owned by the driver. It is most appropriate for motorists with their own cars but who also have access to other cars they could drive or be required to drive.

What to do if you have no car or license

If you have no car but are eligible to drive within North Carolina, you would be required to purchase an auto insurance policy that meets the minimum liability coverage requirements of the state before you can get behind a wheel. No one is allowed to drive in the state without an active license.

How to file for an SR-22 in North Carolina

North Carolina may not require its drivers to file for an SR-22 under any condition, but it requires all drivers and motorists to possess adequate auto insurance policies. The goal is to ensure that the damages accruing from any accident or road incident can be covered by motorists. This means that the auto insurance policies have to meet certain minimum liability coverage requirements to be considered valid. These requirements are:

  • $30,000 bodily injury liability coverage per person
  • $60,000 bodily injury liability coverage per accident
  • $25,000 property damage coverage per accident

If you are from another state or are moving to another state

If you move out of North Carolina to another state and have committed an offence that requires you to file for an SR-22, you would have to file the form within your new state to keep your driving privileges.

Maintaining an SR-22 form in North Carolina

SR-22 insurance is not a requirement in North Carolina for the reinstatement of a suspended or revoked license but every driver within the state is required to possess an auto insurance policy that meets the minimum liability coverage requirements of the state in order for them to drive legally. This policy is to be maintained for as long as the individual uses the roads of North Carolina.

What to do if the SR-22 lapses

Though there is no requirement for an SR-22 in North Carolina, all drivers are required to possess a car insurance policy and an active license before they are legally allowed to drive. In the absence of these due to a lapse in coverage, cancellation of policy or failure to renew, individuals are advised to not drive in North Carolina as that would be illegal. 

How to go about cancelling my filing when I no longer need SR-22 coverage

There is no SR-22 requirement in North Carolina and the minimum liability coverage requirements, mandated by the state, must be maintained for as long as an individual still drives within the state.


Frequently Asked Questions (FAQ)

  • Does North Carolina require SR-22?
  • In North Carolina, there is no condition under state law that requires the filing of an SR-22 so North Carolina drivers do not need to worry about filing the form unless it is required in another state. Instead of requiring an SR-22 insurance filing from drivers after certain violations of the driving laws have been made, North Carolina law requires all drivers to meet certain insurance coverage requirements before they are allowed to drive legally within the state.

    SR22 insurance

  • How much is SR-22 insurance per month?
  • There is no SR-22 filing requirement in North Carolina but offences that may warrant the filing of an SR-22 form in other states still has significant effects on the cost of insurance within the state. Statistically speaking, such offences could raise the insurance premium payable by a driver within North Carolina by about 375% on average. The average insurance rate for an offending driver within North Carolina is $5,563 per annum or $464 per month.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

  • How do you know when you no longer need SR-22?
  • There is no SR-22 requirement in North Carolina but the minimum liability coverage requirements, mandated by the state, must be maintained for as long as an individual still drives within the state.

  • What does the SR-22 insurance cover?
  • North Carolina may not require its drivers to file for an SR-22 under any condition, but it requires all drivers and motorists to possess adequate auto insurance policies. These auto insurance policies have to meet certain minimum liability coverage requirements to be considered valid. These requirements are:

    $30,000 bodily injury liability coverage per person

    $60,000 bodily injury liability coverage per accident

    $25,000 property damage coverage per accident

  • Can I drive someone else’s car with SR-22?
  • Though there is no need to file an SR-22 form with the state of North Carolina, all drivers are required to possess adequate auto insurance policy in line with the laws of the state. The same applies for drivers operating someone else’s vehicle. Such a driver would need to get an operators policy that meets the minimum liability coverage conditions of the state.

  • Do I need an SR-22 if I don’t drive?
  • There is no need for an SR-22 filing in North Carolina. However, all drivers must have auto insurance policies to be considered lawful drivers. If you don’t drive, you don’t need to have a car insurance policy but if you ever change your mind, get a valid policy before operating any vehicle.

  • How do I get my SR-22 off my insurance?
  • In North Carolina, there is no requirement for an SR-22 filing under any circumstances.

  • What happens if you don’t get SR-22 insurance?
  • Though, North Carolina does not require an SR-22 filing of its drivers, out of state filings must be maintained for the mandated period of time. A failure to do so could lead to driving privileges, both within North Carolina and the state requiring the filing, being revoked.

  • Do I need SR-22 and regular insurance?
  • No. all you need is a regular insurance policy that meets the minimum liability coverage requirements of the state. An SR-22 is not required within North Carolina.

  • How can I get an SR-22 without a car?
  • An SR-22 is not required in North Carolina but if you have no car and are eligible to drive within North Carolina, you would be required to purchase an auto insurance policy that meets the minimum liability coverage requirements of the state before you can get behind a wheel.