Cheapest SR-22 Car Insurance in North Dakota

American Family offers the cheapest SR-22 insurance in North Dakota at $29 monthly for minimum coverage, 46% less than the state average of $53. It's also the most affordable for full coverage at $64.

State Farm offers the cheapest non-owner SR-22 insurance in North Dakota at $18 monthly or $210 annually. Drivers needing SR-22 can buy non-owner car insurance to fulfill state minimum coverage. 

The table shows providers and their average costs for minimum coverage.

The average cost of car insurance in North Dakota for drivers with an SR-22 is $631 annually for minimum coverage, 50% higher than for those with a clean record.

SR-22 drivers pay an average of $1,473 annually for full coverage, about 53% higher than what clean-record drivers pay.

Having an SR-22 form doesn't raise your insurance rate by itself. The cost depends on the type of violation. The table below compares SR-22 insurance prices for common violations across age groups in North Dakota.

An SR-22 certifies that you have insurance meeting state minimum coverage requirements. It's often required to reinstate a license after certain violations. Because insurers view SR-22 filers as high-risk, premiums are typically higher.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy but a form your insurer files with the state. It confirms you meet North Dakota's Financial Responsibility law requirements for reinstating your license after certain violations.

Drivers in North Dakota must file an SR-22 for up to three years following a serious traffic violation. This form certifies that you meet the state's minimum coverage requirements. To comply with SR-22 laws, ensure you meet the listed requirements.

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident
• $30,000 personal injury protection (PIP) per person

In North Dakota, SR-22 certificates are usually required for up to three years.

Along with using an SR-22 for up to three years to comply with North Dakota's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of North Dakota during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. If you don't have coverage yet, you'll need an SR-22 insurance quote. Finding insurance with an SR-22 can be trickier than for drivers with clean records, as insurers might cancel your policy or deny coverage when you file.

High-risk drivers in North Dakota may find fewer companies offering coverage, often leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee amount if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner car insurance covers frequent drivers who don’t own a vehicle. It protects against third-party injuries or property damage when driving someone else’s car, making it ideal for frequent renters or rideshare drivers. 

These policies are often cheaper than standard insurance. Compare quotes to find the best rate. Once purchased, your insurer can file an SR-22 to meet state requirements and reinstate your license within three years.

In North Dakota, serious or repeated driving offenses require an SR-22 to prove meeting minimum coverage requirements. You'll need to maintain this for up to three years. While SR-22 insurance is more expensive, cheap car insurance options are available.

Below are frequently asked questions about SR-22 certifications in North Dakota:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for North Dakota drivers with various profiles and needs.

North Dakota Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on North Dakota's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident
• $25,000 underinsured/uninsured motorist coverage per person
• $50,000 underinsured/uninsured motorist coverage per accident
• $30,000 personal injury protection (PIP) per person

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.