NC SR-22 Insurance After Filing Ends
North Carolina requires 50/100/50 liability coverage and is an at-fault state.
Compare Rates After SR-22North Carolina at a Glance
50/100/50
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$84
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in North Carolina
Drivers with DUI convictions, license suspensions for uninsured accidents, or repeated violations must file SR-22 with the North Carolina Division of Motor Vehicles for 3 years. Post-SR22 drivers exiting their filing period face elevated rates for 3–5 additional years as the underlying violation remains on their motor vehicle record.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage
Comprehensive Coverage
Collision Coverage
What Drivers Pay in North Carolina
$312–$592/mo
Typical monthly rate in North Carolina, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Limited Driving Privilege
application fee $100.
A coverage lapse is reported
The state acts on a lapse after 10 days.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. North Carolina's 30/60/25 minimums are often insufficient for post-SR22 drivers who cannot afford out-of-pocket costs if sued after an accident during rate recovery.
Full Coverage
Combines liability, comprehensive, and collision. Required for financed vehicles and recommended for post-SR22 drivers who want comprehensive protection during the 3–5 year rate recovery window.
Comprehensive Coverage
Covers non-collision damage like theft, hail, vandalism, and animal strikes. Optional unless your vehicle is financed, but recommended for post-SR22 drivers who cannot afford to replace their vehicle out-of-pocket.
Uninsured Motorist Coverage
Pays for your injuries and property damage if hit by an uninsured or underinsured driver. North Carolina mandates this coverage at the same limits as your liability policy.
SR-22 Insurance
SR-22 is not a coverage type but a certificate proving you carry minimum liability. It costs $15–$35 to file and must remain active for 3 years in North Carolina without lapse or your license is suspended again.
Non-Standard Auto Insurance
Coverage for drivers who cannot qualify for standard carriers due to violations, accidents, or SR-22 history. Non-standard carriers specialize in rate recovery and often offer lower premiums than staying with your SR-22 insurer.