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.
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 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 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.
