Cheapest SR-22 Insurance in North Carolina for 2025 (Top 10 Companies for Savings)

The cheapest SR-22 insurance in North Carolina comes from Dairyland, Geico, and State Farm, with rates starting at $30/month.

Dairyland has the best North Carolina SR-22 insurance rates, Geico offers big discounts, and State Farm provides the most reliable customer service. Compare SR-22 quotes from the top 10 companies to find the most affordable option that fits your needs.

Our Top 10 Company Picks: Cheapest SR-22 Insurance in North Carolina

This guide explains what North Carolina SR-22 insurance covers, how much it costs, and how to qualify for discounts.

Finding cheap NC auto insurance rates can be difficult for high-risk drivers. Enter your ZIP code to find the most affordable quotes in your area.

#1 – Dairyland: Top Overall Pick

Pros

• Low Monthly Rates: Dairyland offers SR-22 insurance in NC starting at $30/month for minimum coverage.
• Covers High-Risk Drivers: Great for NC drivers with a less-than-perfect record.
• Flexible Payment Plans: Easy monthly payment options in North Carolina. See our Dairyland auto insurance review.

Cons

• Limited Coverage Choices: Fewer policy options for NC drivers needing extra coverage.
• High Number of Complaints: Dairyland SR-22 insurance receives two times more complaints than other providers.

#2 – Geico: Biggest SR-22 Discounts

Pros

• Great Discounts: NC drivers with low mileage can save 30% on SR-22, and federal employees qualify for 8% discounts. Read our Geico auto insurance review for a discount list.
• Bundle Savings: Combine Geico policies in North Carolina for 25% discounts.
• Great Rates: SR-22 insurance in NC starts at $35/month with multiple discount options.

Cons

• Strict Discount Rules: Some discounts are hard to qualify for in NC.
• Limited In-Person Service: Fewer local offices in North Carolina.

#3 – State Farm: Best for Excellent Service

Pros

• Excellent Service: Top-rated customer support for SR-22 insurance in NC.
• Custom Plans: Drivers in North Carolina can adjust coverage to fit their needs, starting at $40/month.
• Bundle and Save: Combine policies for more savings on NC SR-22 insurance. Check out our State Farm auto insurance review.

Cons

• Lower Financial Rating: State Farm’s B+ A.M. Best rating is still acceptable but lower than other companies on this list.
• Limited Digital Features: Online tools may be too basic for North Carolina policyholders.

#4 – Progressive: Cheapest Usage-Based Options

Pros

• Customizable Plans: SR-22 policies in NC start at $45/month with adjustable coverage.
• Snapshot Discounts: SR-22 drivers who qualify for usage-based insurance can get lower rates with safe driving habits.
• 24/7 Support: Claims help is available anytime in North Carolina. Learn more in our Progressive auto insurance review.

Cons

• Driving Monitoring Required: Snapshot requires tracking your driving habits.
• Eligibility Requirements: Depending on your driving record, you may not qualify for Snapshot discounts on NC SR-22 car insurance.

#5 – The General: Cheapest for High-Risk Drivers

Pros

• High-Risk Focus: SR-22 policies for high-risk drivers in NC start at $48/month.
• Quick Filings: Get fast policy approval and SR-22 filings in North Carolina.
• Easy Start: Low down payments for new policies in NC. Find details in our The General auto insurance review.

Cons

• Rate Increases: Premiums may rise after policy renewal in North Carolina.
• Limited Coverage Options: Fewer add-ons for NC drivers.

#6 – AAA: Cheapest With Membership

Pros

• Member Benefits: SR-22 insurance in NC starts at $50/month with AAA-exclusive perks.
• Travel Discounts: NC drivers get travel and roadside assistance. Get the facts from our AAA auto insurance review.
• Bundle Savings: Combine home and auto policies for more savings in NC.

Cons

• Membership Required: You must be an AAA member in NC to get coverage.
• Limited SR-22 Focus: Some NC branches may not specialize in SR-22 insurance.

#7 – Travelers: Cheapest for Full Coverage

Pros

• Affordable Full Coverage: Travelers full coverage SR-22 insurance plans in NC are competitively priced.
• Trusted Provider: Travelers’ century-long experience in auto insurance ensures reliability in North Carolina.
• Bundling Savings: Combine policies for extra savings in NC. See what we found in our Travelers auto insurance review.

Cons

• Higher Minimum Rates: North Carolina SR-22 insurance cost per month is higher with Travelers than other providers.
• Limited Discounts: Fewer SR-22-specific discounts in North Carolina.

#8 – Liberty Mutual: Best Diverse List of Discounts

Pros

• New Car Savings: Get discounts and vehicle replacements for new cars in North Carolina. Discover more in our Liberty Mutual auto insurance review.
• Accident Forgiveness: NC drivers may avoid rate hikes after their first accident.
• Affinity Discounts: First responders, doctors, and other types of occupations can save 10%-12% on North Carolina SR-22 auto insurance.

Cons

• High Rates for Risky Drivers: SR-22 insurance premiums can be costly for some high-risk NC drivers.
• Complex Policies: Customizing SR-22 coverage in NC may require extra work.

#9 – Allstate: Best Mileage Discounts

Pros

• Allstate Milewise Discounts: Allstate Milewise doesn’t track driving habits, and SR-22 drivers with higher mileage can save money with Milewise Unlimited. Learn how in our Milewise review.
• Great Customer Support: Allstate provides helpful service for SR-22 insurance in NC.
• Claim Satisfaction: Extra protection for North Carolina drivers with its claims guarantee.

Cons

• Higher Premiums: Starting rates may be higher in North Carolina at $57/month.
• Few Local Offices: In-person help might be limited in some NC areas.

#10 – Farmers: Cheapest for Customizable Policies

Pros

• Flexible Coverage: Farmers offers SR-22 policies in NC with adjustable plans.
• Student Discounts: NC students with good grades can save more.
• Local Agents: Agents across North Carolina offer personal service. Get helpful info from our Farmers auto insurance review.

Cons

• Higher Starting Prices: Minimum coverage rates may be higher in NC, starting at $60/month.
• Limited Online Tools: Digital features may be basic for NC policyholders.

Average North Carolina SR-22 Insurance Costs

North Carolina SR-22 insurance rates can vary based on the provider and coverage level. For minimum coverage, Dairyland offers the most affordable rate at $30/month, making it the top budget-friendly option.

North Carolina SR-22 Auto Insurance Monthly Rates by Provider & Coverage Level

Geico follows closely with a $35/month rate, while State Farm charges $40/month, combining low costs with excellent service. On the higher end, Farmers has the steepest minimum coverage rate at $60/month.

Full coverage auto insurance rates are significantly higher due to broader protection. Dairyland remains the most affordable at $110/month, while Geico offers a reasonable full coverage rate of $120/month. State Farm follows at $125/month, balancing coverage and service quality.

North Carolina SR-22 Insurance Coverage Requirements Explained

Understanding SR-22 insurance coverage requirements in North Carolina is essential for drivers needing this type of auto insurance coverage.

An SR-22 is not an insurance policy but a certificate that proves a driver has the minimum required liability coverage after certain driving violations. North Carolina law mandates specific coverage levels that must be maintained to meet legal driving requirements.

• Minimum Liability Coverage: $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 per accident for property damage.
• Continuous Coverage: Drivers must maintain uninterrupted coverage throughout the SR-22 filing period. Any lapse may result in license suspension.
• Filing Period: SR-22 insurance is typically required for three years, though the exact duration depends on the driver’s violation and state laws.
• Insurance Provider Filing: Only state-authorized insurers can file SR-22 certificates on behalf of drivers.
• Policy Cancellation Notice: If the policy is canceled or not renewed, the insurer must notify the North Carolina DMV immediately.

Meeting North Carolina’s SR-22 insurance coverage requirements ensures legal driving and helps avoid further penalties. Comparing providers and maintaining continuous coverage can minimize costs while staying compliant.

If you’re wondering, “How much does SR-22 cost in California?”, the average price typically ranges from $800 to $1,200 per year, depending on your driving history and insurer. Similarly, in Wisconsin, “How much does SR-22 insurance cost in Wisconsin?” can vary between $500 and $1,000 annually, based on similar factors.

In Oregon, the cost of SR-22 insurance tends to be between $600 and $1,100 per year. These costs reflect the high-risk nature of SR-22 insurance, which is required after certain driving violations, and can fluctuate based on your record and the provider.

Top SR-22 Discounts to Lower Your Premium in North Carolina

Finding cheap auto insurance for high-risk drivers in North Carolina with SR-22 is possible by taking advantage of discounts. Common ways to save include safe-driver discounts, bundling home and auto policies, and special savings for students, military members, and loyal customers.

Auto Insurance Discounts From the Top Providers for SR-22 in North Carolina

Dairyland, State Farm, and Allstate offer multi-policy and safe-driver discounts, helping North Carolina drivers save by combining different insurance types or keeping a clean driving record.

Geico provides extra savings for military members, federal employees, and drivers with multiple policies. AAA and Travelers reward customers through membership-based discounts and loyalty benefits.

Students can also save with good student discounts from Allstate, State Farm, and Farmers. By exploring these discounts, drivers can reduce North Carolina SR-22 insurance costs while staying legally covered. Comparing providers ensures the best rates with the right coverage.

How to Get SR-22 Insurance Quotes in North Carolina Quickly

Learn how to compare auto insurance quotes so that finding the cheapest SR-22 insurance in North Carolina doesn’t have to be complicated. Follow these steps to secure affordable coverage from top companies like Dairyland, Geico, and State Farm.

• Gather Personal Information: Have your driver’s license, vehicle details, and any past insurance or driving records ready.
• Research Providers: Compare top SR-22 insurance companies in North Carolina, such as Dairyland, Geico, and State Farm, to find the best rates.
• Request Quotes Online: Visit insurance company websites or use a trusted comparison tool to get personalized quotes in minutes.
• Provide Accurate Details: Ensure all personal and vehicle information is correct to receive the most accurate rate.
• Choose and Apply: After comparing offers, choose the best policy and apply online or through an agent if needed.

Following these steps helps drivers get cheapest insurance in NC quotes quickly while securing the best coverage at the lowest price. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.