Winslow Arizona, Car Insurance Writer
@winslow_arizona
An SR-22 in North Dakota is a certificate proving that a high-risk driver has the legal requirements for car insurance in North Dakota. So-called SR-22 insurance raises annual car insurance premiums by roughly $45 in North Dakota, compared to standard rates. In addition, there’s usually a fee of $15 to $25 for your insurance company to file your SR-22 documentation with the state.
Your SR-22 must be maintained with North Dakota’s licensing agency for 1 year, according to North Dakota law. If your insurance coverage lapses during that time, your insurance company is required to report you to the state. Your SR-22 period resets in that case, and you are required to pay any SR-22-related fees again.
What You Need to Know About SR-22 Insurance in North Dakota:
- Who Needs SR-22 Insurance in North Dakota? North Dakota requires SR-22 documentation for drivers who are convicted of serious traffic violations. The list includes major offenses such as reckless driving, hit and run, and DUI.
- How Much Does SR-22 Insurance Raise Premiums in North Dakota? An SR-22 in North Dakota increases car insurance costs by approximately $45. That is roughly 12% more than the average North Dakota resident pays for car insurance.
- What is Minimum SR-22 Car Insurance Coverage in North Dakota: Drivers need at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) plus $25,000 in property damage liability insurance. Drivers also need at least $25,000 per person ($50,000 per accident) in both uninsured and underinsured motorist coverage and $30,000 in personal injury protection coverage.
- How to File SR-22 Documentation in North Dakota: Your insurance company will file the SR-22 certificate with the state for you. For the next 1 year, you need to keep your insurance policy active with no lapse in coverage.
Summary: SR-22 Insurance in North Dakota
| SR22 Needed After | Serious traffic violation and/or license suspension |
| Required For | 1 year |
| Average Cost Increase | $45 |
| Min. Bodily Injury Liability Coverage | $25,000 per person / $50,000 per accident |
| Min. Property Damage Liability Coverage | $25,000 |
| Additional Coverage Needed | $25,000 per person / $50,000 per accident in uninsured motorist coverage$30,000 in PIP |
People also ask
How much does SR-22 insurance cost in North Dakota?
Cheapest SR-22 Insurance in North Dakota
- USAA: $184 per year
- Nodak Mutual: $210 per year
- North Star Mutual: $260 per year
- Geico: $299 per year
- Auto-Owners: $309 per year
An SR-22 is a state-issued...
read full answerHow can I get the best high-risk auto insurance in North Dakota?
To get the best high-risk auto insurance in North Dakota, you should compare quotes from at least three different insurance companies. The best high-risk auto insurance companies in North Dakota are USAA, State Farm, and Geico because they offer the most competitive rates for high-risk drivers. You should also practice safe driving habits moving forward, so you can get even lower rates in the future.
Best High-Risk Auto Insurance Companies in North Dakota
Company | High-Risk Driver... | Average Driver Annual Premium |
How does car insurance work in North Dakota?
North Dakota is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. Policies in no-fault states must include personal injury protection (PIP). North Dakota also requires uninsured motorist protection, which replaces the liability coverage another driver should have had and pays for your costs up to the policy limits.
Drivers in North Dakota are required to carry...
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