After SR-22 Insurance
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North Dakota SR-22 Insurance After Your Requirement

Your SR-22 requirement in North Dakota typically lasts 3 years. Once it ends, you can transition back to standard insurance — but rates won't drop automatically. Post-SR22 drivers typically see coverage starting at $150–$280/mo in the first year, decreasing 30–50% within 24 months of clean driving.

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Updated April 2026

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.

Minimum Liability Only
North Dakota's 25/50/25 minimums through a standard carrier immediately after SR-22 ends. Rates reflect your violation history but no longer include non-standard carrier surcharges.
Standard Full Coverage
Liability plus collision and comprehensive with $500–$1,000 deductibles for a financed vehicle. Typical for post-SR22 drivers transitioning to standard carriers in the first year after filing ends.
Enhanced Coverage
Higher liability limits (100/300/100), lower deductibles, and optional coverages like rental reimbursement and roadside assistance. Accelerates rate recovery by demonstrating financial responsibility to underwriters.

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

Compare Auto Insurance Rates in North Dakota

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburban
Bismarck, North Dakota cityscape and street view

Bismarck

suburban
Modern multi-story building complex with curved dome feature and mixed facade colors during golden hour lighting

Grand Forks

urban
Panoramic sunset landscape with pink and purple sky streaks over silhouetted trees and horizon

Minot

urban
Peaceful pond surrounded by marsh grasses with residential houses visible in the background under blue sky

West Fargo

suburban

Sources

  • North Dakota Department of Transportation — SR-22 Requirements and Reinstatement
  • North Dakota Insurance Department — Minimum Coverage Standards
  • North Dakota Century Code Title 39 — Motor Vehicle and Traffic Regulation

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