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

North Dakota requires 25/50/25 liability coverage and is a no-fault state.

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North Dakota at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

$50

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 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.

Bodily Injury Liability

Covers injuries you cause to others in an at-fault accident. 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.

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. 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.

What Drivers Pay in North Dakota

$285–$336/mo

Typical monthly rate in North Dakota, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

What Affects Your Rate

  • Repeat-offense DUI or DUI with injury extends filing periods beyond 3 years in some cases and limits carrier options to high-risk specialists.
  • Installing an ignition interlock device (IID) as part of DUI sentencing does not reduce insurance premiums but satisfies separate court-ordered compliance requirements.
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Find an Insurer That Will File After a DUI

Get SR-22 Coverage After a DUI

If your license is suspended

Temporary Restricted License (TRL, SFN 2254)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need SR-22 insurance after a DUI in North Dakota?

North Dakota requires SR-22 filing for 3 years after a DUI conviction, measured from the conviction date. The filing period does not start when you reinstate your license or when you purchase insurance—it begins on the date the court enters your conviction. Any lapse in coverage during those 3 years restarts the entire filing period.

What happens if my SR-22 insurance lapses in North Dakota?

Your carrier notifies the North Dakota Department of Transportation within 10 days of the lapse, and the state suspends your license immediately. You must purchase a new SR-22 policy, pay a reinstatement fee, and refile before driving legally again. The 3-year filing period restarts from the date you refile, not from your original conviction date.

Which insurance companies file SR-22 in North Dakota after a DUI?

Most mainstream carriers (State Farm, Geico, Allstate, Progressive) will file SR-22 for existing customers but typically non-renew at policy term. New DUI-SR-22 policies generally require the non-standard market: Bristol West, Dairyland, Direct Auto, The General, and GAINSCO actively write DUI drivers in North Dakota, though availability varies by county.

Does North Dakota require FR-44 or SR-22 after a DUI?

North Dakota requires SR-22, not FR-44. FR-44 applies only to Florida and Virginia DUI convictions and requires higher liability limits than SR-22. If you move to North Dakota from Florida or Virginia with an active FR-44 requirement, contact the North Dakota Department of Transportation to confirm whether your out-of-state filing obligation transfers or converts to SR-22.

Can I cancel my SR-22 filing before 3 years in North Dakota?

No. Canceling your SR-22 filing before the 3-year period ends triggers immediate license suspension in North Dakota. The North Dakota Department of Transportation monitors your filing status electronically, and your carrier reports any cancellation within 10 days. You must maintain continuous SR-22 coverage for the full 3 years without interruption.

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

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban