Minimum Coverage Requirements in North Dakota
North Dakota requires minimum liability coverage of 25/50/25 ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage). Drivers with DUI convictions, license suspensions for accumulating 12 or more points, uninsured accidents, or repeat violations typically must file SR-22 proof of financial responsibility with the North Dakota Department of Transportation for 3 years. For drivers recently completing SR-22, maintaining continuous coverage without lapses is critical—even a single-day gap can reset the clock and add hundreds to annual premiums.
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Get your North Dakota quoteHow Much Does Car Insurance Cost in North Dakota?
Post-SR22 drivers in North Dakota face elevated premiums for 3–5 years after the filing requirement ends, with rates declining as the violation ages. Drivers who completed SR-22 for a DUI typically pay $140–$280/mo for minimum liability in year one post-filing, dropping to $110–$200/mo by year two and approaching $90–$150/mo by year three with no new violations. Shopping multiple carriers at the end of the SR-22 period—rather than staying with the non-standard insurer that wrote the SR-22 policy—can cut annual costs by $600–$1,400.
What Affects Your Rate
- Time since SR-22 requirement ended—rates drop 15–25% annually for the first 3 years with no new violations
- Original violation type—DUI convictions carry 3–5 year rate impacts; suspended license for points typically 2–3 years
- Continuous coverage history—any lapse during or after SR-22 adds 20–40% to premiums and limits carrier options
- Carrier type—staying with the non-standard insurer that wrote SR-22 often costs $600–$1,200/year more than shopping standard carriers once eligible
- Urban vs. rural location—Fargo and Bismarck post-SR22 drivers average $20–$40/mo higher than Minot or Grand Forks due to density and claim frequency
- Credit-based insurance score recovery—rebuilding credit during the post-SR22 period can reduce rates by 10–20% independent of driving record improvements
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Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. North Dakota requires 25/50/25, but post-SR22 drivers often raise limits to 50/100/50 or 100/300/100 to improve underwriting outcomes when transitioning to standard carriers.
Full Coverage
Bundles liability, comprehensive, and collision to protect financed vehicles and reduce out-of-pocket risk. Required by lienholders and recommended for post-SR22 drivers with vehicles valued over $5,000.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance or in a hit-and-run. North Dakota mandates 25/50 uninsured motorist bodily injury unless rejected in writing.
Comprehensive Coverage
Covers non-collision damage including theft, vandalism, hail, and animal strikes. Optional unless required by lienholder, but valuable in North Dakota due to severe weather and high deer collision rates.
SR-22 Insurance
SR-22 is a certificate proving you carry at least North Dakota's minimum liability, filed by your insurer with the Department of Transportation. Once the 3-year requirement ends, the filing stops but the violation remains on your record.
Non-Standard Auto Insurance
Specialized coverage for drivers with violations, lapses, or SR-22 requirements who cannot access standard carriers. Rates are higher but coverage is available immediately.
