North Dakota SR-22 & High-Risk Auto Insurance
North Dakota requires 25/50/25 liability coverage and is a no-fault state.
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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
State Requirements
The state operates on a point system where 12 points within 12 months triggers license suspension. SR-22 filing is required following DUI convictions, driving while suspended, uninsured accidents, and repeat serious violations. High-risk drivers should carry limits above state minimums to protect assets and demonstrate financial responsibility during the SR-22 period.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$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
- Point accumulation: North Dakota assesses 1–8 points per violation; 12 points in 12 months triggers suspension and SR-22 requirement
- Age and driving history: drivers under 25 with violations face compounded surcharges; drivers over 25 with otherwise clean records recover faster
- Non-standard carrier availability: North Dakota has fewer non-standard carriers than neighboring states, reducing competition and raising rates for the highest-risk drivers
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 stay on your record in North Dakota?
North Dakota requires SR-22 filing for 3 years from the date of license reinstatement or court order. The SR-22 itself does not appear on your driving record, but the underlying violation (DUI, suspension, etc.) remains for 3–7 years depending on offense type. Your insurance rates will decline gradually as the violation ages, with most drivers seeing meaningful decreases after year 3.
How many points suspend your license in North Dakota?
North Dakota suspends your license when you accumulate 12 or more points within a 12-month period. Points range from 1–8 depending on violation severity: speeding 1–6 mph over is 1 point, reckless driving is 8 points, DUI is 12 points immediately triggering suspension. Points remain on your record for 3 years from the conviction date, not the violation date.
When do points fall off your license in North Dakota?
Points fall off your North Dakota driving record 3 years from the date of conviction, not the date of the violation. For example, a speeding ticket issued in January 2023 with a conviction in March 2023 will drop off in March 2026. Insurance surcharges typically last 3–5 years, meaning your rates may remain elevated even after points are removed from your state record.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. North Dakota's 25/50/25 minimums are the legal floor but insufficient for most high-risk drivers rebuilding credibility with insurers.
SR-22 Insurance
Proof-of-insurance certificate filed by your carrier with the state following DUI, suspension, or court order. Required for 3 years in North Dakota and reinstated if coverage lapses.
Full Coverage
Combines liability, comprehensive, and collision to protect your vehicle and meet lender requirements. High-risk drivers often face higher deductibles and limited availability.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUI, suspensions, lapses, or multiple violations who cannot access preferred carriers. Rates are higher but include SR-22 filing.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage when hit by an uninsured or underinsured driver. North Dakota requires UM at your liability limits unless you reject it in writing.
Collision Coverage
Pays for your vehicle damage regardless of fault in an accident. Required by lenders and essential for drivers with financed vehicles or recent at-fault accidents.