SR-22 Insurance in North Carolina
Numbers refreshed
In North Carolina, who needs a filing, how long it lasts and what the state fee is.
- The state asks for a different form, not SR-22.
- The minimum liability limits are 50/100/50.
- Most expensive (1st = highest): 41st of 51 among the states.
Rules for SR-22 in North Carolina
For North Carolina, the form the state asks for is DL-123 (North Carolina insurance certification), not SR-22.
To restore a license following a revocation or suspension, North Carolina requires drivers to provide proof of liability insurance, and Form DL-123 is one example.
| Rule | North Carolina |
|---|---|
| Form | DL-123 (North Carolina insurance certification) |
| State reinstatement fee | $84 |
| Liability it must prove | 50/100/50 |
Source: Official NCDMV: Proving Liability Insurance; Official NCDMV: Driver License Restoration; Official NCDMV: License Suspension.
How it changes what you pay
The filing is cheap on its own; it's the offense behind it that raises your premium.
One at-fault accident pushes a price up about 1.5 times, based on the state rate guides we use.
Apply the North Carolina liability average of $503 and you get about $755 a year.
Getting a filing
- Ask your insurer to file the form; not every company files it with the state.
- Don't own a car? You can have a non-owner policy carry the filing.
- Keep the policy paid up. If it lapses, the state gets told and the clock can start over.
First written