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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. Filing typically lasts 3 years and costs $15–$35, but high-risk premiums average $2,200–$4,500 annually depending on violation type. Drivers with point violations from speeding or at-fault accidents face rate increases of 20–60% but typically do not need SR-22 unless their license was suspended.

Liability Coverage — insurance-related stock photo

Updated March 2026

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.

Cost 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.

Minimum Liability
State minimum 25/50/25 liability for drivers with DUI, suspension, or multiple violations requiring SR-22 filing. Most non-standard carriers in North Dakota offer only minimum or near-minimum limits for the first 12–24 months of an SR-22 policy.
Standard Coverage
50/100/50 liability plus uninsured motorist for drivers with single at-fault accidents, point violations, or older DUI convictions beyond the peak penalty period. Preferred carriers may offer standard coverage after 3–5 years of violation-free driving.
Full Coverage
Liability, comprehensive, and collision with $500–$1,000 deductibles for financed vehicles or drivers protecting assets. Non-standard carriers often restrict full coverage availability to drivers with fewer than two violations in the past 3 years.

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 Auto Insurance Rates in North Dakota

Coverage Options

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

Frequently Asked Questions

Sources

  • North Dakota Department of Transportation - SR-22 Requirements and Filing Procedures
  • North Dakota Century Code Chapter 39-06.1 - Financial Responsibility and Insurance Requirements
  • North Dakota Insurance Department - Consumer Guides and Rate Information

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