State Requirements
North Dakota requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers convicted of DUI, those involved in at-fault uninsured accidents, repeat traffic offenders, and anyone with a suspended or revoked license must file SR-22 proof of financial responsibility with the North Dakota Department of Transportation. The SR-22 filing typically remains active for 3 years from the date of reinstatement. Failure to maintain continuous coverage during the SR-22 period results in immediate license suspension and restarts the requirement period.
Cost Overview
High-risk auto insurance premiums in North Dakota vary significantly based on violation type, with DUI convictions typically doubling or tripling rates compared to a clean record. The state's rural geography and limited non-standard carrier presence mean fewer competitive options, particularly outside Fargo and Bismarck where agent access is concentrated. Rate reductions occur gradually as violations age off your record—expect minimal relief in year one, a 10–20% drop after year two, and return to near-standard rates after 3–5 years with no additional incidents.
What Affects Your Rate
- Violation type and severity—DUI adds 100–200% to premiums, while multiple speeding tickets add 40–80%
- Time since violation—rates begin declining after 2 years and approach standard levels after 5 years with no new incidents
- County and city rating—urban areas like Fargo and Bismarck offer more carrier competition and marginally lower rates than rural counties
- SR-22 duration remaining—some carriers offer modest discounts in year 3 of a clean SR-22 period
- Payment history—non-standard carriers penalize missed payments heavily, often requiring reinstatement fees of $25–$50 per lapse
- Credit score—North Dakota allows credit-based insurance scoring, which can add 20–50% to premiums for high-risk drivers with poor credit
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. North Dakota's 25/50/25 minimums are often insufficient for serious accidents, leaving you personally liable for amounts exceeding the limits.
SR-22 Certificate Filing
Electronic proof of insurance filed by your carrier with the North Dakota DOT. Required for 3 years following DUI, license suspension, or uninsured accident.
Uninsured Motorist Coverage
Protects you when an at-fault driver lacks insurance or carries insufficient limits. Covers your medical bills, lost wages, and vehicle damage up to your policy limits.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, major violations, or SR-22 requirements. Coverage options are limited, deductibles are higher, and payment terms are strict compared to standard carriers.
Collision Coverage
Pays for damage to your vehicle in an at-fault accident. High-risk drivers face deductibles of $1,000 or more, and non-standard carriers often exclude collision on vehicles older than 10 years.
Comprehensive Coverage
Covers non-collision damage such as theft, hail, vandalism, and animal strikes. North Dakota's high frequency of deer collisions and severe hail makes comprehensive coverage valuable even for high-risk drivers.
