SR-22 After DUI
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North Dakota DUI Insurance & SR-22 Filing Requirements

North Dakota requires SR-22 filing for 3 years after a DUI conviction, with minimum liability coverage of 25/50/25. Most DUI drivers pay $140–$190/mo with SR-22 in the non-standard market after mainstream carriers non-renew at policy term.

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Updated May 2026

Minimum Coverage Requirements in North Dakota

North Dakota operates as a no-fault state, which means your Personal Injury Protection (PIP) coverage pays your own medical bills after an accident regardless of fault. The North Dakota Department of Transportation requires continuous proof of insurance, and after a DUI conviction, that proof must include an SR-22 certificate filed directly by your carrier. North Dakota's SR-22 filing period begins on your conviction date, not your reinstatement date, and runs for 3 years without lapse.

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Bodily Injury Liability
Covers injuries you cause to others in an at-fault accident. North Dakota's $25,000 per-person minimum covers less than one day in a trauma center after a serious collision. Most DUI drivers choose 50/100 limits to reduce personal liability risk, especially since North Dakota allows injured parties to pursue claims outside the no-fault system when damages exceed the PIP threshold.
Property Damage Liability
Pays for damage you cause to another person's vehicle or property. The $25,000 minimum may not cover a totaled new pickup truck or damage to multiple vehicles in a chain-reaction crash. Carriers writing SR-22 policies in North Dakota often recommend $50,000 property damage limits for drivers with DUI convictions to reduce out-of-pocket exposure.
Personal Injury Protection (PIP)
Pays your own medical bills and lost wages after an accident in North Dakota's no-fault system, regardless of who caused the crash. North Dakota's $30,000 PIP minimum is mandatory and cannot be waived. This coverage applies before health insurance and covers treatment within 3 years of the accident date.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. North Dakota requires uninsured motorist coverage at the same limits as your bodily injury liability unless you reject it in writing at policy inception. Verbal rejection does not count, and carriers add this coverage automatically if the rejection form is not signed and returned before the policy starts.
SR-22 Certificate Filing
North Dakota requires SR-22 filing for 3 years after a DUI conviction, measured from the conviction date. The filing is an electronic certificate your carrier submits to the North Dakota Department of Transportation proving continuous coverage. If your policy lapses or cancels during the filing period, the carrier notifies the state within 10 days and your license is suspended immediately until you refile.

How Much Does Car Insurance Cost in North Dakota?

North Dakota DUI drivers typically pay $140–$190/mo for SR-22 coverage in the non-standard market, compared to $75–$110/mo before the conviction. Most mainstream carriers file SR-22 for existing customers but non-renew at the end of the policy term, forcing drivers into the non-standard market where Bristol West, Dairyland, Direct Auto, and The General actively write DUI-SR-22 policies.

What Affects Your Rate

  • First-offense standard DUI with clean prior record typically adds $65–$115/mo to North Dakota base rates in the non-standard market.
  • Aggravated DUI (BAC above 0.18% or minor in vehicle) pushes monthly premiums to $190–$250/mo due to higher risk classification.
  • Repeat-offense DUI or DUI with injury extends filing periods beyond 3 years in some cases and limits carrier options to high-risk specialists.
  • Drivers in Fargo and Bismarck pay 10–15% more than rural North Dakota drivers due to higher accident frequency and theft rates in urban corridors.
  • Non-owner SR-22 policies for drivers without a vehicle cost $35–$55/mo in North Dakota, providing liability coverage and SR-22 filing without insuring a specific car.
  • Installing an ignition interlock device (IID) as part of DUI sentencing does not reduce insurance premiums but satisfies separate court-ordered compliance requirements.
Minimum Coverage
$140–$165/mo
State minimum liability (25/50/25) with required PIP and uninsured motorist coverage. Lowest legal option after a DUI but leaves significant personal liability exposure.
Standard Coverage
$165–$190/mo
Increased liability limits (50/100/50) with full PIP and uninsured motorist coverage. Recommended for drivers who own a vehicle or have assets to protect.
Full Coverage
$210–$280/mo
Liability, collision, and comprehensive coverage with higher limits. Required if financing a vehicle. Adds coverage for your own vehicle damage regardless of fault.

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Coverage Types

SR-22 Insurance

Electronic certificate proving continuous coverage, filed by your carrier directly with the North Dakota Department of Transportation. Required for 3 years after DUI.

Non-Owner SR-22

Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to maintain license eligibility or satisfy court compliance.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Must match your bodily injury liability limits unless rejected in writing.

Liability Insurance

Covers injuries and property damage you cause to others. North Dakota requires 25/50/25 minimums, but higher limits reduce personal exposure after a DUI.

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

Frequently Asked Questions

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