Updated: November 21, 2024
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For individuals with a record of driving under the influence (DUI) of alcohol or drugs in North Dakota, American Family offers the cheapest full coverage policy, and Nodak Mutual is the cheapest for a minimum coverage policy. But, MoneyGeek’s highest-rated, overall best company is State Farm for full or minimum coverage car insurance in North Dakota with a DUI.
In North Dakota, for full coverage car insurance after a DUI, the two cheapest providers are American Family, costing $598 annually, and State Farm, at $634 annually.
For individuals with a DUI in North Dakota seeking minimum coverage car insurance, Nodak Mutual offers the cheapest rate at $324 per year, followed closely by American Family at $327 per year.
For individuals with a DUI in North Dakota, State Farm emerges as MoneyGeek’s highest-rated car insurance provider offering both full and minimum coverage due to its strong scores in affordability, customer satisfaction, and financial stability, with an annual cost of approximately $634 for full coverage.
Regardless of state, car insurance companies are not legally required to insure DUI offenders. Those that do offer coverage usually charge significantly higher insurance premiums than what you’d pay without a DUI.
With a DUI conviction in North Dakota, the average increase of an annual car insurance premium is 81.40% since drivers are then considered risky to insure. You may also pay fines, have your license suspended and serve jail time after a DUI in North Dakota.
MoneyGeek conducted a nationwide comparison and found that Progressive and State Farm offer the cheapest car insurance after a DUI. However, in North Dakota, American Family is the cheapest auto insurance company for DUI offenders who want full coverage, while Nodak Mutual is the most affordable company for minimum coverage.
The cost of your car insurance after a DUI in North Dakota can vary depending on several factors, such as your coverage level and chosen company. On average, the cheapest companies for a DUI offender with a full coverage policy in North Dakota are:
If the cost of full coverage is too much and you’re willing to risk having less protection in an accident, state minimum coverage is an option after a DUI.
| 1 | American Family | $598 |
| 2 | State Farm | $634 |
| 3 | Nodak Mutual | $770 |
| 4 | Progressive | $793 |
| 5 | USAA | $932 |
Choosing minimum coverage can save you money on your car insurance after a DUI in North Dakota. The most affordable companies, on average, for a minimum coverage policy for a DUI offender in North Dakota are:
Because of its top ranking in North Dakota for auto insurance with a DUI, you may consider State Farm, costing around $338 a month.
| Nodak Mutual | $324 |
| American Family | $327 |
| State Farm | $338 |
| USAA | $412 |
| Progressive | $462 |
| Farmers | $514 |
| AAA | $532 |
| National Farmers Union P&C | $801 |
| Allstate | $852 |
| Allied | $853 |
| GEICO | $929 |
| MetLife | $1,377 |
While state minimum coverage is the cheapest car insurance you can buy in North Dakota, it may not cover the total costs of an at-fault accident. For example, any damage to your vehicle is not a covered expense with the state minimum policy. MoneyGeek recommends finding out how much car insurance you need to financially protect yourself and your assets.
MoneyGeek compared auto insurers based on affordability, customer satisfaction, financial stability and more to provide the best options. We determined State Farm is the best car insurance company for DUI offenders who want full coverage or minimum coverage in North Dakota.
The unique MoneyGeek scoring system found State Farm and Progressive are the best companies offering full coverage car insurance after a DUI in North Dakota.
A full coverage policy from State Farm in North Dakota costs an average of $579 per year without a DUI. There’s a roughly 9.5% increase if you’re convicted of a DUI, making the average rate $634 per year.
State Farm is the top-rated auto insurer in North Dakota. It offers several discounts, including a student discount and a bundling discount. However, it lacks unique add-on coverages, like original equipment manufacturer (OEM).
In North Dakota, for drivers without a DUI, Progressive offers full coverage car insurance at an average cost of $720 per year. But this increases by around 10.14% to an average rate of $793 per year if you get a DUI.
Progressive is among the best insurers in North Dakota. It offers unique add-on coverages, such as custom parts and equipment (CPE). However, it doesn’t provide some common discounts, including anti-theft system and airbags.
The best car insurance companies for DUI offenders looking for a minimum coverage policy in North Dakota are State Farm and American Family. While this policy is the cheapest insurance you can purchase, it may not cover all your accident-related costs.
State Farm’s minimum coverage policy in North Dakota costs an average of $305 per year for those without a DUI. But DUI offenders pay an average of $338 per year — that’s nearly an 11% increase.
State Farm usually has inexpensive rates for most types of drivers, including teen drivers and those with traffic violations. It provides add-on rideshare insurance and several discounts. However, it doesn’t offer accident forgiveness, new car replacement or gap insurance add-on coverages.
In North Dakota, American Family offers minimum coverage without a DUI at an average cost of $320 per year. But a minimum coverage policy with a DUI costs an average of $327 per year, an over 2% increase.
American Family is usually affordable for drivers with a violation and young drivers. It offers original equipment manufacturer (OEM) parts add-on coverage and several discounts, including loyalty and legacy. However, it lacks common add-on coverages like new car replacement.
In North Dakota, a car insurance policy increase averages 81.40% after a DUI. As a result, DUI offenders in the state pay roughly $1,296 per year for a full coverage policy, around $582 more than drivers with a clean record. You can review the list below to see how auto insurance rates in North Dakota increase if you get a DUI.
How long does a DUI affect the cost of your car insurance?
A look-back period is the length of time a DUI stays on your driving record, affecting insurance costs. The length varies from state to state, but it’s usually long to accommodate harsher sentencing for repeat DUI offenders. North Dakota’s look-back period is five or seven years, but it could be longer depending on the driver’s history.
Full Coverage
$714
Full Coverage
$1,296This is 82% more expensive.
A DUI could significantly impact your car insurance premium. Auto insurers tend to increase rates because they now consider you a risky driver with the potential to file a claim. You can use MoneyGeek’s auto insurance calculator to get a personalized estimate after a DUI conviction in North Dakota.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
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There are serious financial consequences with a DUI. In addition to paying more for auto insurance, you may incur the following costs if you get a DUI conviction:
After a DUI, you may find it hard to get auto insurance in North Dakota. Most car insurance companies are private businesses, which means they can legally refuse to offer you coverage. Getting car insurance may also be more challenging because of the look-back period in North Dakota, five to seven years or longer.
But there are companies that provide coverage for high-risk drivers. MoneyGeek recommends shopping around and comparing quotes to get the best rate possible for your particular situation.
Drivers in North Dakota with DUI convictions must have SR-22 insurance. It is a form submitted by your insurer to verify that you have car insurance that meets the state’s minimum requirements. Note that SR-22 insurance costs in North Dakota vary depending on the gravity of your infraction.
A DUI conviction exacts serious legal consequences. In North Dakota, you could pay fines, have your license suspended and serve jail time. MoneyGeek broke down several North Dakota DUI laws in the table below.
Driving With a BAC at or Above 0.08% Is Considered a DUI
Blood alcohol concentration (BAC) is the amount of alcohol in your blood. The threshold in North Dakota is 0.08%, but you can be charged with a DUI even with a lower BAC if your driving is noticeably impaired.
Driving With a BAC of 0.18% Will Result in Increased Penalties
For North Dakota drivers with a BAC of 0.18%, a mandatory pre-DUI conviction license suspension increases from 30 to 80 days for the first offense, one to two years for the second offense and two to three years for a third or subsequent offense.
Meanwhile, the mandatory post-DUI conviction license suspension increases from 91 days to 180 for the first offense, 365 days to two years for the second offense and two to three years for a third or subsequent offense.
91-Day Administrative License Suspension on First Offense
If you are caught driving with a BAC at or above 0.08% but below 0.18%, your license is suspended for 91 days. If your BAC is above 0.18%, your license is suspended for 180 days.
Limited Driving Privileges
You may be granted a temporary restricted license (TRL) after 30 days of your license suspension provided that you are older than 18, operating a non-commercial motor vehicle, don’t have a second alcohol offense within five years and two or more criminal convictions, resulting from separate incidents.
Open Container Laws
North Dakota prohibits any person from having an open container of alcohol inside the vehicle.
Repeat Offender Laws
Under North Dakota law, the sentence of DUI offenders can be enhanced if they have been previously convicted of two felonies punishable by a maximum term of five years or more.
You may find it harder to get car insurance after a DUI in North Dakota. MoneyGeek answered some frequently asked questions to help you through the process.
It’s best to ask your insurance provider if it will cover you after a DUI conviction. North Dakota state laws don’t require auto insurers to provide coverage for DUI offenders.
In North Dakota, the cheapest company after a DUI for full coverage is American Family, and for minimum coverage, Nodak Mutual. Meanwhile, State Farm has the best car insurance after a DUI.
Since the look-back period in North Dakota is five to seven years or longer, that is how long your car insurance rates may be affected.
If you have a DUI on your record, it’s critical to shop around and compare quotes to get the best rates for your current situation.
To determine the top companies for individuals with DUIs in North Dakota, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
