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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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

UPDATED: Nov 2, 2020

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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 car 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 SR-22 rates the most? Typically that’s a NC DUI. Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and this 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 multiple traffic violations or convictions. While they are not required in North Carolina, SR-22 auto insurance forms prove to the state that a 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?

Yes, there are actually three types of North Carolina SR-22 car insurance forms a driver can file with the state. 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’s-Owner SR-22 Certificate covers financial responsibility for all 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 a SR-22 car insurance form in another state should continue to do so and maintain their SR-22 auto insurance filing 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.

How Do I File a SR-22 Insurance Form?

Ask your insurer to file an SR-22 auto insurance form with the state requiring an SR22. Your insurer will charge a processing fee, which can vary among agencies. You can go (here) to request a quote from state-authorized agencies in your area. Upon acceptance of the SR22, you will receive the SR-22 certificate from your insurer. The SR-22 insurance 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.