State Requirements
North Dakota requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. 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.
Meeting the state minimum keeps you legal. See whether it's enough — get your North Dakota quote.
Get your North Dakota quoteCost Overview
High-risk auto insurance in North Dakota costs $2,200–$4,500 annually depending on violation type, compared to $900–$1,400 for clean-record drivers. DUI convictions generate the highest increases (150–250%), while single at-fault accidents or speeding tickets increase rates by 20–60%. North Dakota's relatively low population density and limited non-standard carrier competition mean high-risk drivers face fewer shopping options than urban states, making rate recovery timelines and point removal critical to restoring affordable premiums.
What Affects Your Rate
- Type of violation: DUI convictions increase rates 150–250%, reckless driving 80–120%, at-fault accidents 40–60%, speeding 20–40%
- Time since violation: rates decline 10–20% annually after the first year for most violations, with DUI penalties decreasing most sharply after year 3
- Point accumulation: North Dakota assesses 1–8 points per violation; 12 points in 12 months triggers suspension and SR-22 requirement
- SR-22 filing status: filing adds $15–$35 but signals high-risk status, limiting carrier options and raising base premiums 30–60%
- 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
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'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.
