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North Dakota SR-22 & High-Risk Auto Insurance

North Dakota requires SR-22 filing for DUI convictions, multiple moving violations, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35, but high-risk premiums range from $200–$400/mo depending on violation severity and driving history.

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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 convicted of DUI, caught driving without insurance, or accumulating excessive points typically receive an SR-22 requirement from the North Dakota Department of Transportation. The requirement lasts 3 years from the date of reinstatement, and any lapse in coverage during that period restarts the clock.

How Much Does Car Insurance Cost in North Dakota?

High-risk auto insurance in North Dakota typically costs $200–$400/mo for drivers with DUI convictions, SR-22 requirements, or multiple violations. Rates vary significantly based on violation type — a single DUI raises premiums more than three speeding tickets — and time elapsed since the incident. North Dakota's point system assigns 4–12 points per violation, and accumulating 12 points in 12 months triggers license suspension and SR-22 filing, which elevates premiums for the full 3-year requirement period.

Minimum Liability
State-required 25/50/25 liability only. This tier is often the only option for drivers immediately post-suspension or those with multiple violations and no vehicle loan.
Standard High-Risk
Increased liability limits (50/100/50) plus uninsured motorist coverage. Many non-standard carriers in North Dakota require this tier as a condition of writing SR-22 policies for DUI or suspension violations.
Full Coverage High-Risk
Liability, collision, and comprehensive for financed or leased vehicles. High-risk drivers with newer vehicles pay the highest premiums due to elevated collision coverage costs, which reflect increased perceived risk of a repeat at-fault accident.

What Affects Your Rate

  • Violation type: DUI convictions increase premiums 80–150%, while speeding tickets typically add 20–40%
  • Time since violation: Rates drop 15–25% at each policy renewal if no new violations occur, with the steepest declines in years 2–3 post-violation
  • SR-22 filing status: Carriers often surcharge 10–20% for active SR-22 filings beyond the violation surcharge itself
  • Point accumulation: Drivers with 6–11 points see rate increases of 30–60% even without suspension; crossing the 12-point threshold triggers SR-22 and doubles premiums
  • Carrier availability: Non-standard carriers dominate the North Dakota high-risk market, and switching carriers after 2–3 violation-free years can reduce premiums by $50–$100/mo
  • Payment structure: Monthly payment plans for high-risk policies often carry 5–10% annual premium surcharges compared to paying in full

Compare Auto Insurance Rates in North Dakota

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburban
Bismarck, North Dakota cityscape and street view

Bismarck

suburban
Modern multi-story building complex with curved dome feature and mixed facade colors during golden hour lighting

Grand Forks

urban
Panoramic sunset landscape with pink and purple sky streaks over silhouetted trees and horizon

Minot

urban
Peaceful pond surrounded by marsh grasses with residential houses visible in the background under blue sky

West Fargo

suburban

Sources

  • North Dakota Department of Transportation — Driver License Division
  • North Dakota Insurance Department — Consumer Resources
  • North Dakota Century Code Title 39 — Motor Vehicles

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