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North Dakota SR-22 Insurance & High-Risk Coverage

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 $200–$400/mo depending on violation type and carrier availability.

North Dakota cityscape and street view

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 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.

How Much Does Car Insurance Cost in North Dakota?

High-risk insurance premiums in North Dakota vary widely based on violation type, age, location, and carrier availability. DUI convictions typically increase premiums by 80–120%, while at-fault accidents raise rates by 40–60%. Non-standard carriers charge the highest premiums during the first 12–24 months, with rates declining as you demonstrate continuous coverage and a clean driving record.

Minimum Liability
State-minimum 25/50/25 liability coverage for high-risk drivers with SR-22 filing. This tier satisfies legal requirements but provides limited financial protection.
Standard Liability
Enhanced liability limits (50/100/50 or 100/300/100) with uninsured motorist coverage. Recommended for high-risk drivers to reduce personal liability exposure and improve carrier options.
Full Coverage
Liability, comprehensive, and collision coverage required for financed or leased vehicles. High-risk full coverage premiums vary significantly based on vehicle value, deductible, and violation age.

What Affects Your Rate

  • Violation type: DUI convictions add 80–120% to premiums; at-fault accidents add 40–60%; multiple tickets add 30–50%
  • Time since violation: Premiums decrease 10–20% annually with a clean record; most violations affect rates for 3–5 years
  • Age and experience: Drivers under 25 with violations pay 30–50% more than drivers over 25 with identical records
  • Location: Urban areas like Fargo and Bismarck have higher theft and accident rates, increasing comprehensive and collision premiums by 15–25%
  • Carrier type: Non-standard carriers charge 50–150% more than standard carriers but may be the only option immediately after a major violation
  • Credit and payment history: North Dakota allows credit-based insurance scoring; poor credit can increase high-risk premiums by an additional 20–40%

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 - Consumer Resources
  • North Dakota Century Code Chapter 39-16 - Financial Responsibility

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