North Dakota SR-22 & High-Risk Auto Insurance
North Dakota requires 25/50/25 liability coverage and is a no-fault state.
Find Coverage After a Traffic ViolationNorth 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 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.
Liability Insurance
SR-22 Insurance
Personal Injury Protection (PIP)
Underinsured Motorist Coverage
Non-Standard Auto Insurance
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
What Affects Your Rate
- 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 Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage 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.