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North Dakota DUI & Violation Insurance Guide

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

Yes

A defensive driving course can reduce points on your record

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

Minimum Coverage Requirements in North Dakota

Most North Dakota drivers don't realize their current insurer won't cancel their policy immediately after a DUI or serious violation — instead, the carrier typically waits until renewal and chooses not to renew. This gives you 30–60 days to find replacement coverage, but you must act quickly. North Dakota typically requires SR-22 filing for 3 years following a DUI, refusal to test, or driving while suspended, and not all carriers offer this filing. Your new policy must meet state minimum liability limits, and you'll pay significantly higher premiums during the filing period.

SR-22 Certificate Filing

SR-22 is not a type of insurance — it is a certificate your insurer files with the North Dakota Department of Transportation proving you carry the required minimum liability coverage. Not all carriers offer SR-22 filing; you'll need a non-standard insurer if your current carrier doesn't provide it.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record.

Liability Insurance

This is the absolute floor — many violation drivers carry higher limits to protect assets and reduce total cost of a future claim. Your SR-22 filing verifies you maintain at least these minimums continuously.

High-Risk Auto Insurance

High-risk auto insurance includes liability plus optional collision and comprehensive coverage for drivers with violations. If you lease or finance a vehicle, your lender typically requires full coverage even during the SR-22 period. Collision and comprehensive premiums also increase after a violation, though not as dramatically as liability.

Uninsured/Underinsured Motorist Coverage

North Dakota does not typically mandate UM/UIM coverage, but some non-standard carriers include it automatically or offer it at minimal added cost. This protects you if you're hit by a driver without adequate insurance — a scenario that becomes more financially risky when your own rates are already elevated.

What Drivers Pay in North Dakota

$220–$263/mo

Typical monthly rate in North Dakota, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Prior driving history — a clean record before the violation results in smaller increases than multiple offenses
  • Time since violation — rates begin decreasing after 3 years and approach normal levels after 5 years
  • Age and gender — younger male drivers with violations pay the highest premiums in North Dakota
  • Vehicle type — full coverage on newer or high-value vehicles compounds the rate increase
  • Carrier availability — North Dakota has fewer non-standard carriers than larger states, limiting competition and increasing cost
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Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, serious violations, or suspensions. Includes liability and optional collision/comprehensive with SR-22 filing capability.

Non-Standard Auto Insurance

Policies from carriers that specialize in drivers standard insurers won't cover. Required when your current carrier non-renews after a violation.

SR-22 Insurance

Not a separate insurance type — this is the state filing certificate proving you maintain required coverage. Added to any liability policy.

Liability Insurance

Minimum coverage required by North Dakota law. Covers injury and property damage you cause to others. Does not cover your own vehicle.

Full Coverage Auto Insurance

Liability plus collision and comprehensive. Required by lenders if you finance or lease. Protects your vehicle in addition to meeting state requirements.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban