SR-22 insurance in North Dakota: Quotes, rankings and information

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North Dakota SR-22 requirements

Are you required to file an SR-22 form in North Dakota? If you are, it’s likely because you exhibited risky driving behavior or committed some sort of violation that has required you to file an SR22 by the state or the court. The SR22 form is proof of financial responsibility and it proves to North Dakota that you have at least the minimum amount of required car insurance coverage required by the state. It’s filed with the North Dakota Department of Transportation (NDDOT) by your insurance company on your behalf.

If you’re required to file an SR22 in North Dakota, you’ve likely heard the term SR-22 insurance. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost. In North Dakota, SR-22 insurance after a DUI conviction costs an average of 71.5 percent more than car insurance for standard drivers.

In North Dakota, you can’t legally drive without SR22 insurance after your license has been suspended or revoked and you’re required to have it. Depending on your offense and circumstances, once you get SR22 insurance, you may be able to get a Temporary Restricted License (TRL), which will allow you to drive. You may also be considered for a full license reinstatement by the NDDOT.

Typically, SR-22 insurance is required in North Dakota for one year. Your filing period begins on the date your driving privileges are reinstated, the date your TRL is issued, or the date you got into a car accident without active insurance. Throughout your filing period, you must maintain your SR-22 car insurance without lapse. If you have a lapse in coverage because your policy is canceled, you could face penalties such as fines and license suspension.

If you maintain your SR-22 insurance for your required filing period and keep a clean driving record, you won’t need to file the form any longer after your period is up. This could result in your coverage and car insurance rates returning to normal, depending on your violation. DUIs may stay on your record for much longer.

SR-22 insurance limits in North Dakota

If you’re required to have SR-22 insurance in North Dakota, you’ll be required to have at least the following coverage:

  • Liability
    • $25,000 bodily injury per person
    • $50,000 bodily injury per accident
    • $25,000 property damage per accident
  • Personal injury protection
    • $30,000 per person
  • Bodily injury caused by an uninsured/underinsured motorist:
    • $25,000 per person
    • $50,000 per accident

Failure to get SR-22 insurance when you’re required to do so can result in heavy fines, vehicle repossession, extended license and registration suspension, and even jail time.

Who needs an SR22 in North Dakota?

In North Dakota, SR22 insurance is required in a few scenarios in order for you to get your license reinstated. SR-22s are required after you’ve committed certain violations with the law. You may even be required to have an SR-22 if you’ve had a series of small violations within a short span of time. You could need SR22 insurance in North Dakota for the following reasons:

  • Conviction for driving under the influence (DUI or DWI)
  • Conviction for actual physical control while under the influence
  • Driving with a revoked or suspended license
  • Driving or getting into a car accident without car insurance
  • Civil judgement that emerges from a car accident
  • Conviction for manslaughter in which a motor vehicle is used
  • Conviction for negligent homicide in which a motor vehicle is used
  • Conviction for a felony in which a motor vehicle is used

It’s illegal in North Dakota to drive with a suspended driver’s license. You may be required to get SR-22 insurance after your license has been suspended in order to regain your driving privileges.

North Dakota SR-22 insurance rates

If you need SR-22 insurance, your car insurance rates will likely increase significantly. When you’re required to have an SR22, you get placed into the category of a high-risk or non-standard driver. High-risk drivers tend to pay the highest car insurance rates, but the cost of car insurance can vary by company and by state. There are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.

One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in North Dakota pay $1,968 per year for car insurance. That’s 71.5 percent more than car insurance for a driver with a clean driving record. However, the cost you pay differs significantly based on the company you buy car insurance from. In the table below, you can find average rates for North Dakota drivers who have one DUI conviction from some of the largest companies in the state.

Company Car insurance rate
Nodak Insurance $807
Progressive $1,035
Farmers $1,202
State Farm $1,490
USAA* $1,501
National Farmers Union Property and Casualty Company $2,157
Nationwide $2,280
American Family $2,462
Allstate $2,473
Geico $2,609
Auto-Owners $2,718
Safeco $3,677

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in North Dakota will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 insurance in North Dakota

In order to get SR22 insurance in North Dakota, you need to contact your car insurance company. You need to go through an insurance company to get the SR-22 form filed with the NDDOT. You can’t file the form on your own.

Note: Not all insurance companies offer SR-22 insurance. If your current company doesn’t offer it, you’ll need to shop around for a new auto insurer that does offer it.

Even if your company does offer SR22 insurance, it may still be a good idea for you to shop around for a new policy. Because SR-22 insurance significantly affects your rates in North Dakota and rates can vary by company, you may want to see if a different company can offer you a better rate.

Use the table at the top of this page to find all the car insurance companies that offer SR-22 insurance in North Dakota with at least 25 car insurance reviews. If you want to see which companies customers say are the best car insurance companies for SR22 insurance in North Dakota, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

SR-22 fees in North Dakota

In North Dakota, you may be required to pay a fee to your auto insurance company for it to file the SR22 form on your behalf. This fee depends on your insurance company. Additionally, if your license was suspended, you’ll need to pay a fee in order to reinstate your license. This fee is $50 or $100, depending on your offense.

You may have additional expenses depending on the violation you committed. For example, there are many requirements if you’ve been convicted of a DUI. If it’s your first DUI offense, you’ll be required to pay a fine of $500 or $750 depending on what your BAC was. For your second offense, the fine is $1,500. There are many additional North Dakota DUI penalties that may come at additional cost.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

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