Car Insurance Driving Record
Get a Quote

North Dakota SR-22 Insurance & High-Risk Coverage

North Dakota requires SR-22 filing for DUI convictions, suspended licenses, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35 to add to a policy, but high-risk premiums average $185–$400/mo depending on violation type and driving history.

North Dakota cityscape and street view

Updated April 2026

Minimum Coverage Requirements in North Dakota

North Dakota requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. Drivers convicted of DUI, driving without insurance, accumulating excessive points, or causing serious accidents typically receive an SR-22 filing requirement from the North Dakota Department of Transportation. SR-22 is not a type of insurance but a certificate your insurer files with the state to verify continuous coverage. Most violations trigger a 3-year filing period, and any lapse results in license suspension and requirement extension.

How Much Does Car Insurance Cost in North Dakota?

High-risk insurance rates in North Dakota vary significantly based on violation type, time since offense, driving history, and which carrier accepts your profile. DUI convictions typically increase premiums 80–150% over standard rates, while at-fault accidents without insurance can double your costs. North Dakota's rural geography and harsh winter weather also elevate collision and comprehensive costs for all drivers, compounding the high-risk surcharge.

Minimum Coverage
State-minimum 25/50/25 liability with SR-22 filing. Covers only what North Dakota requires and leaves you financially exposed in serious accidents.
Standard Coverage
100/300/100 liability with uninsured motorist and SR-22. Provides meaningful protection for high-risk drivers with assets to protect.
Full Coverage
Comprehensive liability, collision, comprehensive, and SR-22 for financed vehicles. Required by lenders and the most expensive tier for drivers with violations.

What Affects Your Rate

  • Violation type: DUI adds 80–150% surcharge, at-fault accidents 40–80%, suspended license 50–100%
  • Time since offense: rates decline 15–25% annually as violations age beyond 3 years
  • Carrier specialization: non-standard insurers' rates vary 30–60% for identical profiles
  • ZIP code: Fargo and Grand Forks rates run 10–20% higher than rural areas due to theft and accident frequency
  • Vehicle choice: financed newer vehicles requiring full coverage can add $80–$150/mo over liability-only older vehicles
  • Prior insurance lapse: gaps in coverage beyond 30 days add 20–40% surcharge on top of violation penalties

Compare Auto Insurance Rates in North Dakota

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburban
Bismarck, North Dakota cityscape and street view

Bismarck

suburban
Modern multi-story building complex with curved dome feature and mixed facade colors during golden hour lighting

Grand Forks

urban
Panoramic sunset landscape with pink and purple sky streaks over silhouetted trees and horizon

Minot

urban
Peaceful pond surrounded by marsh grasses with residential houses visible in the background under blue sky

West Fargo

suburban

Sources

  • North Dakota Department of Transportation - Driver License Division
  • North Dakota Insurance Department - Consumer Resources
  • North Dakota Century Code Chapter 39-16 - Financial Responsibility

Get Your Free Quote in North Dakota