Car Insurance Driving Record
Get a Quote
A two-lane paved road curves through dry grassland toward eroded ridges and buttes under an orange and purple sunset sky, with tall seed-headed grasses in sharp focus at the right foreground.

North Dakota SR-22 Insurance & High-Risk Coverage

North Dakota requires 25/50/25 liability coverage and is a no-fault state.

Get Quotes Based on Your Record

North Dakota at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and 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 Dakota

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.

Liability Insurance

North Dakota's 25/50/25 minimums are mandatory for all drivers and insufficient for most at-fault accidents.

SR-22 Insurance

SR-22 is a state-mandated filing proving you carry at least North Dakota's minimum liability coverage.

Full Coverage

Full coverage combines liability, comprehensive, and collision protection and is required by lenders if you finance or lease a vehicle. High-risk drivers with financed vehicles face a double cost impact: elevated liability rates due to violations plus mandatory comprehensive and collision premiums.

Uninsured Motorist Coverage

North Dakota requires uninsured/underinsured motorist coverage with minimum limits of 25/50 unless you decline it in writing. This coverage protects you when hit by a driver with no insurance or insufficient limits—a critical concern in a state where rural driving and winter conditions increase accident severity. High-risk drivers should maintain at least 100/300 UM limits since you cannot pursue compensation from another high-risk driver's assets if they carry only minimums.

Non-Standard Auto Insurance

Non-standard carriers specialize in insuring drivers with DUIs, suspensions, SR-22 requirements, and major violations that standard insurers decline.

What Drivers Pay in North Dakota

$220–$263/mo

Typical monthly rate in North Dakota, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

A woman in a brown jacket, jeans and tan boots walks across a wet parking lot at night, carrying a shoulder bag and keys, with parked cars, a lit tree and a street lamp in the background.

Get a Rate That Matches Your Record Today

Get Quotes Based on Your Record

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. North Dakota requires 25/50/25 minimums, but these limits are exhausted quickly in serious crashes.

SR-22 Insurance

State filing proving continuous liability coverage, required after DUI, suspension, or uninsured accident. The SR-22 itself costs $15–$35, but the underlying insurance premium increases substantially.

Full Coverage

Combines liability, collision, and comprehensive coverage. Required by lenders for financed or leased vehicles and provides the most complete protection for your vehicle and liability exposure.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits. North Dakota requires 25/50 UM coverage unless you decline in writing, but minimums are rarely adequate.

Non-Standard Auto Insurance

Specialized coverage for drivers with DUI, suspensions, SR-22 requirements, or violations that disqualify them from standard insurers. Costs 40–80% more but provides essential market access.

Collision Coverage

Pays for damage to your vehicle in an at-fault accident or rollover, minus your deductible. Required by lenders and optional for drivers who own their vehicles outright.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban