North Dakota SR-22 & High-Risk Auto Insurance

North Dakota requires SR-22 filing for DUI convictions, license suspensions, and driving without insurance. The filing typically lasts 3 years and costs $15–$35, but high-risk premiums average $210–$420/mo depending on your violation type and driving history.

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, 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.

Minimum Liability

State-required 25/50/25 liability only, typical for drivers with a single DUI or suspension who own older vehicles outright. This tier satisfies SR-22 filing requirements but offers no protection for your own vehicle.

Standard Liability

Higher liability limits such as 50/100/50 or 100/300/100, recommended for drivers with assets to protect or multiple at-fault accidents. Adds modest cost but significantly reduces personal exposure in serious crashes.

Full Coverage

Liability plus comprehensive and collision for financed or leased vehicles, or drivers who cannot afford to replace their car out-of-pocket. Required by lenders during the loan period and the most expensive option for high-risk profiles.

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

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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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