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.
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 rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage 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.
