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.
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 rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
