NC SR-22 & High-Risk Auto Insurance After DUI
North Carolina requires 50/100/50 liability coverage and is an at-fault state.
Free to compare
North 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in North Carolina
Drivers convicted of DUI, caught driving without insurance, involved in an at-fault accident while uninsured, or who accumulate excessive points may be required to file SR-22 proof of financial responsibility with the North Carolina Division of Motor Vehicles for a period typically lasting 3 years. High-risk drivers often need coverage above state minimums to qualify with non-standard carriers and avoid out-of-pocket exposure after an at-fault claim.
Liability Insurance
SR-22 Insurance
Uninsured/Underinsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in North Carolina
$204–$324/mo
Typical monthly rate in North Carolina, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Violation type and severity: DUI convictions carry the highest surcharges, followed by uninsured driving and reckless driving
- Time since violation: Rates drop gradually after 3 years and decline sharply once the SR-22 requirement is satisfied and you qualify for standard carriers
- Driving record during SR-22 period: A single additional violation or at-fault accident can double premiums or result in policy nonrenewal
- SR-22 filing duration: The 3-year SR-22 clock restarts with every lapse, extending the high-risk rating period and delaying rate recovery
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required by North Carolina law and the foundation of any SR-22 policy.
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage to the North Carolina DMV. Not a separate policy, but an add-on to your existing liability coverage.
Full Coverage
Liability plus collision and comprehensive. Protects your vehicle from damage, theft, and total loss regardless of fault.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, SR-22 requirements, or multiple violations who cannot obtain coverage from standard carriers.
Uninsured/Underinsured Motorist Coverage
Covers your injuries and vehicle damage if you're hit by a driver with no insurance or insufficient limits. Optional in North Carolina.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or collision with an object, regardless of fault.