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, suspended licenses, or uninsured accidents typically must file SR-22 proof of financial responsibility with the North Dakota Department of Transportation for 3 years. These minimums may not protect high-risk drivers from personal liability in serious accidents, where medical costs and vehicle damage often exceed $25,000.
How Much Does Car Insurance Cost in North Dakota?
High-risk drivers in North Dakota typically pay 150–300% more than standard rates, with exact premiums depending on violation type, coverage level, and how recently the incident occurred. A DUI conviction generally produces the highest rate increase, while at-fault accidents and license suspensions have smaller but still significant impacts. Rates often decrease after 12–18 months of clean driving, and some non-standard carriers offer step-down programs that reward violation-free renewals.
What Affects Your Rate
- Type of violation: DUI convictions typically increase rates 200–300%, while at-fault accidents increase rates 80–150%
- Time since violation: Rates often drop 10–20% after the first year of violation-free driving, with larger reductions after the SR-22 filing period ends
- Coverage level: Adding comprehensive and collision to a high-risk policy can double or triple the cost compared to liability-only
- Credit score: North Dakota allows insurers to use credit-based insurance scores, which can add 20–50% to premiums for drivers with poor credit
- Age and location: Drivers under 25 or in urban areas like Fargo and Bismarck typically pay 15–30% more than older or rural drivers with identical violations
- Carrier competition: Non-standard carriers vary widely in how they price DUI and SR-22 policies, making multi-carrier comparison essential for finding the lowest rate
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Mandatory proof-of-insurance filing for drivers with DUI convictions, suspensions, or uninsured accidents. The SR-22 itself costs $15–$35, but the high-risk policy behind it typically runs $210–$420/mo.
Non-Standard Auto Insurance
Policies designed for drivers rejected by standard carriers due to DUIs, multiple violations, or lapses. Non-standard insurers accept higher-risk profiles but charge 2–4 times the state average.
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. North Dakota requires 25/50/25 minimums, but higher limits protect personal assets in serious crashes.
Full Coverage
Liability plus comprehensive and collision to cover damage to your own vehicle, typically required by lenders on financed or leased cars.
Uninsured Motorist Coverage
Optional coverage that pays for your injuries if an uninsured or underinsured driver hits you. Adds $10–$25/mo to most policies.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, subject to your deductible. Required by lenders but optional once the loan is paid off.
