Minimum Coverage Requirements in North Dakota
North Dakota requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Drivers with DUI convictions, multiple violations, license suspensions, or uninsured accidents typically must file SR-22 proof of financial responsibility with the North Dakota Department of Transportation for three years. The state imposes no-fault coverage requirements that add $30,000 personal injury protection (PIP) and $25,000 underinsured motorist coverage to every policy, which increases baseline costs for high-risk drivers already facing surcharges.
How Much Does Car Insurance Cost in North Dakota?
High-risk drivers in North Dakota pay significantly more than standard profiles due to violation surcharges, SR-22 filing requirements, and limited carrier options. A DUI increases premiums by 180–250% for three to five years, while at-fault accidents add 40–80% surcharges. Rates vary by violation type, age, vehicle, and whether you need SR-22 filing, with non-standard carriers often offering the only available coverage for drivers with suspended licenses or multiple violations.
What Affects Your Rate
- Type of violation—DUI convictions increase premiums 180–250%, at-fault accidents 40–80%, and reckless driving 60–120%
- SR-22 filing requirement—adds $15–$35 filing cost plus forces drivers into non-standard carrier market with higher baseline rates
- Length of time since violation—surcharges decrease annually after three years if no new incidents occur
- Driving record point total—North Dakota's point system means 12+ points in 12 months triggers license suspension and SR-22 requirement
- Carrier availability—standard insurers like State Farm and Allstate rarely write DUI risks, limiting options to Progressive, The General, GAINSCO, and National General
- Vehicle type and coverage level—full coverage on newer vehicles compounds high-risk surcharges, often doubling monthly premiums
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate proving continuous coverage filed by your carrier with the North Dakota Department of Transportation. Required for DUI, license suspension, uninsured accidents, or 12+ points in 12 months.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers—those with DUI, suspensions, or multiple violations. Standard insurers typically decline these profiles.
Liability Insurance
Covers injuries and property damage you cause to others. North Dakota requires 25/50/25 minimums, but these limits may be insufficient after a serious at-fault accident.
Full Coverage
Liability plus comprehensive and collision coverage for your vehicle, along with North Dakota's mandatory PIP and UIM. Required by lenders and recommended for newer vehicles.
Uninsured/Underinsured Motorist
Protects you when at-fault drivers lack sufficient coverage. North Dakota requires $25,000 UIM minimum on all policies.
Personal Injury Protection (PIP)
Mandatory $30,000 coverage for your medical bills and lost wages regardless of fault. Required on every North Dakota auto policy.
