Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Written by Elijah Black
Lead Insurance Writer Elijah Black

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent Rachael Brennan

UPDATED: Jun 29, 2022

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What is North Carolina SR-22 insurance?

An SR-22 car insurance form, or a financial responsibility insurance certificate, is a document certifying that a driver is financially responsible for carrying the minimum amount of car insurance as required by law for the state in which they are driving a vehicle. In North Carolina, SR-22 insurance forms are generally not required, though the state does have minimum amounts of car insurance for all drivers.

Six major factors affect car insurance rates in North Carolina. Which auto insurance factors will affect the rates of SR-22 insurance in NC the most? Typically that’s an NC DUI. Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and North Carolina is one of those states.

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Who needs SR-22 insurance in North Carolina?

A SR-22 car insurance form must be filed by drivers whose drivers licenses have been suspended or revoked due to driving while uninsured, driving under the influence (DUI), driving while intoxicated (DWI), or more than one traffic violation or several convictions, especially ones related to reckless driving. While they are not required in North Carolina, SR-22 forms prove to the state that a high-risk driver who has received one of these serious moving violations is financially responsible for carrying enough car insurance coverage.

Are there different types of North Carolina SR-22 insurance forms?

There are three types of SR-22 car insurance forms a driver can file with North Carolina. An operator SR-22 certificate covers financial responsibility for drivers who operate a car but do not own one. An owner SR-22 certificate covers financial responsibility for drivers who own and operate a car. An operator-owner SR-22 certificate covers financial responsibility for all motor vehicles owned or not owned by the driver.

Is SR-22 insurance required in North Carolina?

In NC, SR-22 insurance is not required, but all drivers must carry liability insurance. Drivers who are required to file an SR-22 car insurance form in another state should continue to do so and maintain their SR-22 insurance in North Carolina as required by that state’s insurance laws. Loss of driving privileges in another state could impact your driving privileges in the state of North Carolina.

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How do I file a North Carolina SR-22 insurance form?

Ask your insurer to file an SR-22 auto insurance form with the state requiring an SR-22. Your insurer will charge a processing fee, which can vary among agencies. You can request a quote from state-authorized agencies in your area. Upon acceptance of the SR-22, you will receive the SR-22 certificate from your insurer. The SR-22 form must be maintained for two to three years, depending on the state, and renewed in a timely fashion. If your SR-22 car insurance lapses, your insurance company is required by law to notify the state and your driving record will be suspended until the SR-22 is reinstated.