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 violations, or uninsured accidents typically need SR-22 filing for 3 years. If you've completed your SR-22 requirement, you're no longer required to carry the filing — but the violation remains on your North Dakota driving record for up to 7 years for DUIs and 3 years for most other offenses, meaning your transition to standard rates requires proactive shopping and clean driving.
How Much Does Car Insurance Cost in North Dakota?
Post-SR22 drivers in North Dakota typically pay $150–$280/mo ($1,800–$3,360/year) in the first 12 months after their filing requirement ends, compared to $80–$140/mo for drivers with clean records. Your rate depends on the underlying violation, how long ago it occurred, and whether you've had any incidents since. DUI-related SR-22 filings carry longer rate impacts than suspension-based filings.
What Affects Your Rate
- Type of violation: DUI filings typically cost 60–80% more than suspension-based SR-22 filings in the first year after requirement ends
- Time since violation: rates drop 15–25% at the 12-month mark, 25–40% at 24 months, and approach standard rates at 36–48 months with clean driving
- Claims during SR-22 period: any at-fault claim filed while on SR-22 extends high-risk classification by 24–36 months beyond filing end date
- Carrier type: drivers who switch from non-standard to standard carriers immediately after SR-22 ends save 20–40% compared to staying with the same insurer
- Credit score in North Dakota: insurers use credit-based insurance scores as a rating factor; improving credit during your SR-22 period can reduce post-filing rates by 10–20%
- Vehicle type: older vehicles with liability-only coverage cost significantly less than newer financed vehicles requiring full coverage
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required by North Dakota law at 25/50/25 minimums, but post-SR22 drivers often need higher limits to qualify for standard carrier acceptance.
Full Coverage
Liability plus collision and comprehensive. Required by lenders and lessors. Essential for post-SR22 drivers with financed vehicles who want competitive rates from standard carriers.
Comprehensive Coverage
Covers non-collision damage: hail, theft, fire, vandalism, and animal strikes. Optional unless required by your lender, but cost-effective in North Dakota due to hail and wildlife risk.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance or a hit-and-run. North Dakota requires UM coverage at 25/50 unless you reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after a collision, regardless of fault. Required by lenders if you finance or lease. Deductibles typically range from $500 to $1,000.
SR-22 Filing
Proof-of-insurance filing submitted by your carrier to NDDOT. Required for 3 years after certain violations. Once completed, you must request termination confirmation from NDDOT before shopping for standard coverage.
