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North Dakota SR-22 & High-Risk Auto Insurance

North Dakota requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $210–$400/mo depending on violation type and driving history.

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Updated April 2026

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.

Minimum Coverage
North Dakota's 25/50/25 liability plus mandatory $30,000 PIP and $25,000 UIM. This tier is typical for DUI offenders or drivers with suspended licenses needing SR-22 filing through non-standard carriers.
Standard Coverage
Increased liability limits of 50/100/50 plus mandatory no-fault coverages. Recommended for high-risk drivers with financed vehicles or moderate assets to protect after a violation.
Full Coverage
Comprehensive and collision added to liability, PIP, and UIM. Required by lenders and advisable for drivers with newer vehicles, though high-risk surcharges make this tier cost-prohibitive for many with recent 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

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 - Auto Insurance Requirements
  • North Dakota Century Code Title 39 - Motor Vehicles

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