Updated March 2026
State Requirements
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 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.
Cost Overview
High-risk drivers in North Dakota pay significantly more than standard-risk drivers due to SR-22 filing requirements, violation type, and limited carrier availability. A DUI conviction typically doubles or triples premiums, while multiple violations or at-fault accidents can increase rates by 150–300%. North Dakota's relatively low population density means fewer non-standard carriers compete for high-risk business, keeping rates elevated compared to urban states.
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
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage 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.
