AutoQuote Hub

SR-22 Insurance in North Carolina

An SR-22 is a certificate of financial responsibility your insurer files with North Carolina on your behalf — usually after a DUI, an uninsured accident or a licence suspension. The filing fee is small. The policy behind it is not: expect roughly $3,061 a year in North Carolina against $1,620 for the same driver with a clean record.

Advertisement

Car insurance calculator — North Carolina

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$135/ month
$1,620 per year · carriers in North Carolina typically quote $1,150 – $2,235
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

What violations cost in North Carolina

Driving recordEst. annualIncrease
Clean record$1,620—
1 speeding ticket$1,992+23%
1 at-fault accident$2,381+47%
DUI / DWI$3,061+89%

What a violation costs a 35-year-old in North Carolina. Surcharges normally stay on the policy for three to five years.

Coverage your SR-22 policy must carry

An SR-22 certifies that you hold at least North Carolina's statutory minimum limits. Anything less and the filing is invalid.

Required coverage in North CarolinaMinimum limit
Bodily injury liability, per person$50,000
Bodily injury liability, per accident$100,000
Property damage liability$50,000
Uninsured/underinsured motoristRequired
Insurance systemAt-fault (tort)

How to get an SR-22 in North Carolina

Frequently asked questions

▸How much does SR-22 insurance cost in North Carolina?
The SR-22 filing itself is a one-off administrative fee, normally $15–$50. The real cost is the policy behind it: a North Carolina driver with a DUI is estimated at $3,061 a year for full coverage against $1,620 with a clean record — an increase of about 89%.
▸What is an SR-22 in North Carolina?
An SR-22 is not insurance. It is a certificate your insurer files with the North Carolina motor vehicle authority confirming you carry at least the state minimum liability limits. It exists so the state is notified the moment your policy lapses.
▸Who needs an SR-22 in North Carolina?
Typically drivers convicted of DUI or DWI, drivers caught without insurance, drivers involved in an at-fault crash while uninsured, drivers with repeated serious violations, and anyone reinstating a suspended licence.
▸How long do I need an SR-22 in North Carolina?
Three years is the most common requirement, though North Carolina courts can order longer for repeat offences. The clock restarts if the policy lapses, so continuous cover matters more than the calendar date.
▸Which companies file SR-22s in North Carolina?
Progressive, The General, Direct Auto and most non-standard carriers file SR-22s routinely. Several standard insurers will decline the risk outright, which is why the quoted price gap after a DUI is so wide — shop specifically for carriers that advertise SR-22 filing.

Also see average car insurance rates in North Carolina.

Advertisement