SR-22 Insurance in North Carolina — What You Actually Need
North Carolina doesn't use SR-22 forms. Here's what the state requires instead, and what to do if another state still wants an SR-22 from you.
The Short Answer: North Carolina Has No SR-22
North Carolina is one of a handful of states that do not use SR-22 certificates at all. If you search “SR-22 insurance North Carolina,” what you usually need is one of two things: proof of liability insurance for the NC DMV (a DL-123 form from a North Carolina–licensed insurer, typically required when reinstating a license or getting one as a new resident), or a way to satisfy an SR-22 requirement left over from another state.
North Carolina’s minimum liability limits are 50/100/50 — $50,000 bodily injury per person, $100,000 per accident, and $50,000 property damage — for policies issued or renewed on or after July 1, 2025. Underinsured motorist coverage is now included on new and renewed policies as well.
What North Carolina Car Insurance Costs (Real Quote Data)
Based on 64 real quotes our licensed agents have run for North Carolina drivers since late 2025 — updated automatically as new quotes come in —, the average monthly premium is about $208 (median $140). These are actual quoted prices from our agency’s records — not advertised teaser rates or national averages.
All quotes gathered by licensed agents at A Plus Insurance. Figures update automatically as our agents log new quotes.
Moving Into or Out of North Carolina With an SR-22 Requirement
Moving to NC with an SR-22 requirement from another state: your old state’s requirement does not disappear when you move. You generally must keep an SR-22 on file with that state for the full term (usually three years). Not every North Carolina insurer can file an out-of-state SR-22 — our agents work with carriers that can, so the filing stays active while you drive legally in NC.
Moving from NC to a state that uses SR-22s: if your new state orders a filing, you’ll need a policy from an insurer licensed there. We quote SR-22 policies in Colorado, South Carolina, Ohio, and most SR-22 states, so one call usually covers the move.
North Carolina SR-22 FAQs
Does North Carolina require SR-22 insurance?
No. North Carolina does not use SR-22 certificates. License reinstatement is handled with proof of insurance — the DL-123 form — from a North Carolina–licensed insurer.
What is a DL-123 form?
A DL-123 is the NC DMV’s proof-of-insurance form, completed by your insurance company or agent. It certifies you carry at least the state minimum liability limits. It is commonly required for new NC licenses and reinstatements.
I had a DUI in another state and moved to NC. Do I still need an SR-22?
Usually yes — the state that ordered the SR-22 still requires it, typically for about three years. You need an insurer that can file an SR-22 with that state while covering you in North Carolina. Our agents can check which carriers support your state.
What are North Carolina’s minimum liability limits?
50/100/50 — $50,000 per person and $100,000 per accident for bodily injury, plus $50,000 for property damage — for policies issued or renewed on or after July 1, 2025.
What happens after a DWI in North Carolina?
North Carolina handles high-risk drivers through its reinsurance facility and license reinstatement process rather than SR-22 filings. Expect higher premiums, and possibly a DL-123 when your license is restored. Shopping multiple carriers matters most here.
Which cities do you serve in North Carolina?
We quote drivers statewide, including Charlotte, Raleigh, Greensboro, Durham, Winston-Salem, Fayetteville, Asheville, and Brevard.
Reviewed by the licensed agents at A Plus Insurance.
Last Updated on by Shawn Christie