Non-Owner SR-22
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North Dakota SR-22 & High-Risk Auto Insurance

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

$50

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Drivers convicted of DUI, involved in at-fault accidents without insurance, or who accumulate excessive violations must file SR-22 proof of financial responsibility with the North Dakota Department of Transportation for a minimum of three years. The state does not offer hardship licenses for most DUI offenses, making continuous SR-22 coverage critical for license reinstatement.

Liability Insurance

Mandatory in North Dakota. Covers injuries and property damage you cause to others. North Dakota is a tort state, meaning at-fault drivers can be sued for damages exceeding policy limits, creating additional financial exposure for drivers with recent violations.

SR-22 Insurance

SR-22 is not a separate policy but a certificate filed by your insurer proving you carry at least minimum liability coverage. Required after DUI convictions, license suspensions for violations, uninsured accidents, or multiple violations within a short period.

Uninsured Motorist Coverage

North Dakota requires insurers to offer uninsured/underinsured motorist coverage matching your liability limits unless you decline in writing. For high-risk drivers who have already experienced financial consequences from violations, UM coverage prevents out-of-pocket costs if hit by an uninsured driver—particularly important given that SR-22 filers often cannot afford additional medical or repair expenses.

Collision Coverage

Covers damage to your vehicle in an at-fault accident, regardless of who caused it. Not legally required unless you lease or finance your vehicle, but essential for high-risk drivers who cannot afford to replace a totaled car. North Dakota's rural roads and severe winter weather increase collision risk, and insurers may require higher deductibles for drivers with recent at-fault accidents.

Comprehensive Coverage

Covers non-collision damage: theft, hail, animal strikes, and weather damage. North Dakota experiences frequent severe weather including hail, ice storms, and blizzards, making comprehensive coverage valuable even for older vehicles. High-risk drivers may face higher deductibles and limited coverage options from non-standard carriers, but comprehensive claims do not typically increase rates the way at-fault accidents do.

Cost Overview

$29/mo

Typical monthly rate in North Dakota, non-owner policies

Rate data: Insure.com, 2026

What Affects Your Rate

  • Violation type: DUI convictions increase rates more than speeding tickets or minor violations
  • Time since violation: Rates decrease annually as violations age; most drop significantly after 3–5 years
  • SR-22 requirement duration: Maintaining clean driving during the 3-year SR-22 period reduces rates faster
  • Carrier type: Non-standard carriers (Progressive, The General, National General) offer SR-22 but charge higher base rates than standard carriers
  • Location: Fargo and Bismarck offer more carrier competition than rural counties, creating slight rate variation
  • Vehicle type: Older, lower-value vehicles reduce comprehensive and collision premiums, offsetting SR-22 liability increases
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If your license is suspended

Temporary Restricted License (TRL, SFN 2254)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need SR-22 in North Dakota after a DUI?

North Dakota requires SR-22 filing for 3 years from the date of license reinstatement after a DUI conviction. The clock does not start until your license is reinstated and you file the SR-22 certificate. If your policy lapses at any point during the 3 years, your license is suspended immediately and the 3-year period restarts from the date you file a new SR-22 and reinstate your license.

Which insurance companies offer SR-22 in North Dakota?

Non-standard carriers including Progressive, The General, National General, and Dairyland frequently file SR-22 in North Dakota. Some standard carriers like State Farm and Farmers may retain existing customers after a first violation but typically charge rates comparable to non-standard carriers. North Dakota has limited non-standard carrier presence compared to larger states, so shopping multiple quotes is essential for high-risk drivers.

Does North Dakota require SR-22 for reckless driving?

North Dakota may require SR-22 filing after a reckless driving conviction if it results in license suspension or if combined with other violations within a 12-month period. The Department of Transportation determines SR-22 requirements based on total points, violation severity, and driving history. A single reckless driving charge without suspension typically does not trigger SR-22, but multiple violations or an at-fault accident often do.

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Required by law and the foundation of any SR-22 policy. North Dakota minimums are low; consider higher limits to avoid personal asset exposure in lawsuits.

SR-22 Filing

Certificate filed by your insurer proving you carry minimum required coverage. Not a separate policy. Any lapse restarts your 3-year requirement and suspends your license immediately.

Uninsured Motorist Coverage

Covers your injuries and vehicle damage if hit by an uninsured or underinsured driver. Must be offered by all North Dakota insurers; you can decline in writing but most high-risk drivers benefit from acceptance.

Collision Coverage

Pays for damage to your vehicle in an at-fault accident regardless of fault. Required if you finance or lease. High-risk drivers often face $500–$1,000 deductibles from non-standard carriers.

Comprehensive Coverage

Covers non-collision damage including hail, theft, animal strikes, and weather events. North Dakota experiences frequent severe weather, making comp valuable even for older vehicles.

Non-Standard Auto Insurance

Policies from carriers specializing in high-risk drivers: those with DUIs, suspensions, lapses, or multiple violations. Rates are higher but acceptance is broader than standard carriers.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban