Having a lapse in your car insurance coverage is never a good idea. Insurance companies hate to see a lapse in coverage and will charge you accordingly when you decide to reinstate your policy.
In addition to higher premiums, an insurance lapse in North Carolina may result in losing your license plates and $100 in fees before you can get them back. Keep reading to see what you need to know about returning your license plates in North Carolina.
- A lapse in car insurance coverage will almost always result in a premium increase when you reinstate your coverage.
- You must surrender your license plates in North Carolina if your insurance has lapsed.
- You must show proof of insurance and pay the required fees to get your license plates back in North Carolina.
How long do you have to turn in your license plates in NC?
You have 10 days to prove you have new car insurance or turn in your license plates if you have not secured new coverage. If you fail to respond to the notice and prove you have new insurance in place within 10 days, there are steep penalties to pay.
According to the North Carolina DMV, failure to respond within the required time – 10 days – can result in losing your license plates for at least 30 days and possible registration suspension.
After the revocation period, you must pay a $50 restoration fee, a $50 service fee and standard license plate fees before you can legally get back on the road. The service fee can be avoided by surrendering your license plate to the DMV during the 10-day period after receiving a notice of revocation.
What happens if you don’t return your license plates in NC?
There are fees for not returning your plate if your insurance lapses, which go up each time your coverage lapses.
If you let your insurance lapse more than once, the fees will increase. The NCDMV assesses penalties for lapsed coverage based on the number of prior lapses a registered owner has had on their vehicle within three years.
The fees, in addition to a $50 restoration fee, are below:
- First lapse: $50
- Second lapse: $100
- Subsequent lapses: $150
If you are leaving the state for good or no longer driving, you must return your license plates to the state.
What are the requirements for returning your plates to DMV?
The following are the requirements to be met for returning your license plates to DMV:
- The owner must furnish a copy of their out-of-state registration reflecting the vehicle has been registered by the owner in their new state within 30 days of the cancellation or expiration of the owner’s North Carolina motor vehicle liability policy.
- The owner must submit a copy of their current out-of-state registration to NCDMV.
- The owner must return the valid North Carolina license plate or submit an affidavit (MVR18A) indicating that the North Carolina registration plate has been lost, stolen or destroyed.
If you need to return your plate, North Carolina license plates can be returned to any NCDMV license plate agency. Alternatively, you can mail them to NCDMV Vehicle Registration Section, Renewal Title & Plate Unit, 3148 Mail Service Center, Raleigh, NC 27697-3148.
How do I return license plates to the North Carolina DMV?
You can return your license plates to the North Carolina DMV in person at any DMV location or by mail. If you a returning your license plate by mail, you can send it to the address below:
NCDMV Vehicle Registration Section
Renewal Title & Plate Unit
3148 Mail Service Center
Raleigh, North Carolina 27697-3148
There is also an option to leave your license plate in a drop box. The address for the drop box is below:
North Raleigh License Plate Agency
4121 New Bern Ave.
Suite 151
Raleigh, North Carolina
If you need a receipt, then make sure to visit a DMV or mail your license plate. You will not receive a receipt if you leave the license plate in the drop box.
FAQs: License plates
Can I transfer my plates to a new car?
According to the NC DMV website, you can transfer a license plate to another vehicle if the insurance on the new vehicle was current while the insurance was canceled on the old vehicle. In short, there must not be an interruption in coverage.
Can you appeal a revoked license plate in North Carolina?
If your license plate was revoked and you want it reinstated because you believe your lapse in coverage was not your fault, you can request a hearing. You must file a liability hearing request form and pay a $60 fee. You can also call the NCDMV at 919-715-7000 to request a hearing if you believe the lapse in coverage was not your fault.
Can you drive in North Carolina if you have an insurance lapse?
You cannot legally drive in North Carolina if you are not carrying car insurance, including a lapse in coverage, even if it is for only a few days or weeks.
North Carolina car insurance law mandates that your insurance company notify the North Carolina Division of Motor Vehicles if you don’t maintain continuous liability insurance coverage. Once the NCDMV has received that notification, they will send you an FS 5-7 form, which is a liability insurance termination notice.
If you’re shopping for a new policy, our guide to North Carolina car insurance provides expert tips on how much coverage to buy. It shows average rates by coverage level, company and ZIP code, so you know what you can expect to pay.
Can you pay the insurance lapse fee online?
You can use North Carolina’s Division of Motor Vehicle’s online liability insurance service to pay any fines you owe from lapsed insurance coverage. According to North Carolina’s DMV website, you will need to provide the following info to pay the penalty:
- The control number of the insurance termination notice (Form FS5) from NCDMV
- The license plate number of the vehicle associated with the insurance lapse.
Check out our detailed guide on the cheapest car insurance in North Carolina
– Michelle Megna contributed to this story.
Resources & Methodology
Sources
- North Carolina DMV. “Moving outside N.C.” Accessed October 2022.
- North Carolina DMV. “Liability Insurance Help.” Accessed October 2022.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.