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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 with DUI convictions, license suspensions for multiple violations, or at-fault accidents while uninsured typically must file SR-22 certificates with the North Dakota Department of Transportation for 3 years. North Dakota uses a point system where accumulating 12 points within 12 months triggers license suspension, and certain high-point violations or patterns may require SR-22 filing even before reaching the suspension threshold.

Liability Insurance

North Dakota requires 25/50/25 liability minimums, but high-risk drivers often face lawsuits exceeding these limits after at-fault accidents. Drivers with violations on record should consider 100/300/100 limits because one serious accident can lead to wage garnishment for uncovered damages. SR-22 filers must maintain continuous liability coverage without any lapse, as the North Dakota Department of Transportation receives immediate notification if your policy cancels.

SR-22 Insurance

SR-22 is not insurance but a certificate filed by your carrier proving you maintain North Dakota's minimum liability coverage. North Dakota requires continuous SR-22 filing for 3 years, and any coverage lapse restarts the entire 3-year clock from zero.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles that standard insurers decline—drivers with DUIs, suspended licenses, or multiple at-fault accidents. These carriers typically require full payment upfront or offer monthly payment plans with higher fees, but they remain the primary option for drivers accumulating 8+ points or facing suspension.

Uninsured Motorist Coverage

High-risk drivers are statistically more likely to be involved in accidents, and UM coverage protects you when an uninsured driver causes injury or damage to your vehicle.

Full Coverage

Full coverage combines liability, comprehensive, and collision insurance to protect both you and your vehicle. High-risk drivers with financed or leased vehicles in North Dakota must carry full coverage to satisfy lender requirements, even while filing SR-22.

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

What Affects Your Rate

  • Total points on license—drivers approaching the 12-point suspension threshold pay significantly more than those with 3–5 points
  • Winter weather claims history—North Dakota carriers heavily weight accidents during ice and snow months when assessing risk
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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. North Dakota's 25/50/25 minimums are often insufficient for drivers with violation histories who face elevated lawsuit risk.

SR-22 Insurance

A certificate filed by your insurer proving continuous liability coverage to the North Dakota Department of Transportation. Required for 3 years after DUI, license suspension, or uninsured accidents.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers—those with DUIs, suspensions, or multiple violations. Often the only option for drivers standard insurers decline.

Uninsured Motorist Coverage

Protects you when hit by a driver without insurance or insufficient coverage. Optional in North Dakota but critical for high-risk drivers statistically more likely to be in accidents.

Full Coverage

Combines liability, comprehensive, and collision to protect you and your vehicle. Required for financed or leased vehicles and recommended for high-risk drivers with newer cars.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Essential for financed vehicles and recommended for high-risk drivers prone to winter weather accidents.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban