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North Dakota SR-22 Insurance & High-Risk Coverage

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

Minimum Coverage Requirements in North Dakota

Drivers with DUI convictions, multiple violations within 12 months, at-fault accidents without insurance, or license suspensions must file SR-22 proof of financial responsibility with the North Dakota Department of Transportation. High-risk drivers often need coverage above state minimums to access non-standard carriers willing to write policies during the SR-22 filing period.

Liability Insurance

North Dakota's 25/50/25 minimums are mandatory for all drivers and required throughout the SR-22 filing period. High-risk drivers should consider 50/100/50 or 100/300/100 limits because insufficient coverage can lead to personal liability and make it harder to exit the non-standard market.

SR-22 Insurance

SR-22 is not a separate insurance policy—it is a certificate your insurer files with the North Dakota Department of Transportation proving you carry at least minimum liability coverage. If your policy lapses or cancels during the required filing period, your insurer notifies the state within 10 days and your license is suspended again.

Uninsured Motorist Coverage

If you are struck by an uninsured driver during your SR-22 period, you cannot file a claim against your own liability policy—UM coverage protects you in this scenario. Many non-standard carriers require UM/UIM as a condition of writing high-risk policies.

Full Coverage

Full coverage combines liability, comprehensive, and collision and is required if you finance or lease a vehicle during your SR-22 period.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and are often the only option during the first 12–24 months after a DUI or major violation. After maintaining a clean record for 12–18 months, you may qualify to transition back to a standard carrier at lower rates.

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

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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an accident. Required by law and throughout the SR-22 filing period.

SR-22 Insurance

Certificate filed by your insurer with the North Dakota Department of Transportation proving continuous liability coverage. Required after DUI, suspension, or uninsured accident.

Full Coverage

Combines liability, comprehensive, and collision to protect your vehicle and meet lender requirements during financing or leasing.

Non-Standard Auto Insurance

Specialized coverage for high-risk drivers who cannot qualify for standard carriers due to violations, suspensions, or SR-22 requirements.

Uninsured Motorist Coverage

Protects you if you are hit by a driver without insurance or with insufficient coverage to pay for your injuries and damages.

Comprehensive Coverage

Covers damage to your vehicle from theft, vandalism, weather, and animal strikes—events outside your control while driving.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban