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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

Yes

A defensive driving course can reduce points on your record

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

Minimum Coverage Requirements in North Dakota

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.

Liability Insurance

North Dakota's 25/50/25 minimums are mandatory for all drivers and form the baseline for SR-22 filers. Carriers writing high-risk policies in North Dakota often require 50/100/50 or higher as a condition of coverage.

SR-22 Insurance

SR-22 is not a separate insurance product — it is a certificate filed by your insurer confirming continuous coverage to the North Dakota DOT. Not all carriers offer SR-22 filing in North Dakota, so identifying a willing insurer is often the first obstacle for suspended drivers.

Uninsured Motorist Coverage

Full Coverage

Full coverage combines liability, collision, and comprehensive and is required by lenders on financed vehicles. Drivers without loans often drop collision to manage costs, but this leaves them financially exposed if they cause another accident.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles including DUI convictions, suspended licenses, and multiple at-fault accidents. In North Dakota, these carriers may impose higher down payments, require monthly payment plans, or mandate higher liability limits than state minimums.

What Drivers Pay in North Dakota

$220–$263/mo

Typical monthly rate in North Dakota, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

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Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Required by law and the foundation of every SR-22 policy in North Dakota.

SR-22 Filing

Certificate proving continuous coverage filed by your insurer with the North Dakota DOT. Required after DUI, suspension, or uninsured driving for 3 years.

Full Coverage

Liability plus collision and comprehensive. Required by lenders and protects your vehicle investment if you cause an accident or suffer theft or weather damage.

Uninsured Motorist Coverage

Pays for your injuries and vehicle damage if you're hit by an uninsured or underinsured driver. Not required in North Dakota but recommended.

Non-Standard Auto Insurance

Policies from carriers specializing in high-risk drivers including those with DUI, suspensions, or multiple violations. Often the only option immediately post-suspension.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Required by lenders on financed vehicles.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban