If you have been told you need SR22 insurance in North Dakota, this guide covers everything specific to your state — the exact requirements, what it costs, how long you need it, and the fastest way to get your license reinstated.
North Dakota SR22 Quick Facts
✓ SR22 Duration: 3 years from date of suspension
✓ Minimum Liability: 25/50k bodily injury / 25,000 property damage
✓ SR22 Filing Fee: $15–$50 (one-time)
✓ Average Monthly Premium: $113–$230
✓ Non-Owner SR22: $57–$125/month
SR22 Requirements in North Dakota
North Dakota is a no-fault insurance state with among the lowest auto insurance rates in the country. North Dakota requires SR22 for 3 years. The North Dakota DOT handles SR22 requirements and license reinstatement. The state’s low population density and minimal traffic congestion contribute to very low claim rates and correspondingly low premiums.
North Dakota is a no-fault state requiring PIP coverage. Despite this additional coverage requirement, North Dakota’s overall insurance rates remain among the lowest in the nation. North Dakota requires SR22 for driving without insurance and reckless driving in addition to DUI.
The most common reasons North Dakota drivers need SR22 include DUI/DWI conviction, driving without insurance, license suspension or revocation, reckless driving, and at-fault accidents while uninsured. If your license has been suspended for any of these reasons, SR22 or the equivalent financial responsibility filing is likely required before it can be reinstated.
How Much Does SR22 Insurance Cost in North Dakota?
SR22 insurance in North Dakota has two costs: the one-time filing fee ($15–$50) and your higher monthly insurance premium as a high-risk driver. Here is what North Dakota drivers typically pay:
| Situation | Est. Monthly Premium |
|---|---|
| Minor violation (uninsured, points) | $113–$230 |
| DUI / DWI conviction | $163–$310 |
| Non-owner SR22 (no vehicle) | $57–$125 |
These are estimates. Your actual rate depends on your age, driving history, vehicle, and the specific insurer you choose. Always get at least 3 to 5 quotes — rates vary significantly between companies even for identical coverage.
SR22 After a DUI in North Dakota
A DUI conviction in North Dakota requires SR22 for 3 years. North Dakota requires completion of a substance abuse evaluation and any recommended treatment before license reinstatement. Ignition interlock devices are required for all DUI convictions, including first offenses.
⚠ Never Let Your SR22 Lapse in North Dakota
If your SR22-backed policy lapses for even one day your insurer must notify the North Dakota DMV immediately. Your license will be suspended again and your SR22 period may reset to zero. Set up autopay the day you get your policy and never miss a payment.
How to Get SR22 Filed in North Dakota
1Confirm your requirement with the North Dakota DMV
Get your exact end date and a full list of reinstatement requirements.
2Get quotes from at least 3 to 5 insurers
Tell each insurer you need SR22 filing in North Dakota. Progressive, Dairyland, and The General are good starting points.
3Purchase your policy and pay the filing fee
Your insurer files the SR22 certificate with the North Dakota DMV — usually within 24 hours. Set up autopay immediately.
4Complete remaining requirements and get your license reinstated
Pay your DMV reinstatement fee and complete any other required steps. The North Dakota DMV will process your reinstatement typically within 1 to 5 business days.
Frequently Asked Questions
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SR22 requirements and costs in this article are based on general North Dakota state guidelines and industry averages. Your specific situation may differ. Always confirm requirements with the North Dakota DMV and get quotes from licensed insurance providers in your state. SR22 Insurance Guide does not sell insurance and is not a licensed insurance agent.