Getting Car Insurance After a DUI in North Dakota: Everything You Need To Know

A DUI could cause your car insurance carrier to not renew your policy. And with any company, expect your premium to increase significantly. In North Dakota, DUI offenders pay an average of $1,296 per year for full coverage car insurance, whereas those with a clean record pay around $714 per year.

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Last Updated: 10/7/2022
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For individuals with a record of driving under the influence (DUI) of alcohol or drugs in North Dakota, American Family offers the cheapest full coverage policy, and Nodak Mutual is the cheapest for a minimum coverage policy. But, MoneyGeek’s highest-rated, overall best company is State Farm for full or minimum coverage car insurance in North Dakota with a DUI.

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Best Companies for DUI Insurance in 2022

Regardless of state, car insurance companies are not legally required to insure DUI offenders. Those that do offer coverage usually charge significantly higher insurance premiums than what you’d pay without a DUI.

With a DUI conviction in North Dakota, the average increase of an annual car insurance premium is 81.40% since drivers are then considered risky to insure. You may also pay fines, have your license suspended and serve jail time after a DUI in North Dakota.

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Cheapest Car Insurance Companies in North Dakota After a DUI

MoneyGeek conducted a nationwide comparison and found that Progressive and State Farm offer the cheapest car insurance after a DUI. However, in North Dakota, American Family is the cheapest auto insurance company for DUI offenders who want full coverage, while Nodak Mutual is the most affordable company for minimum coverage.

Cheapest Companies for Full Coverage in North Dakota After a DUI

The cost of your car insurance after a DUI in North Dakota can vary depending on several factors, such as your coverage level and chosen company. On average, the cheapest companies for a DUI offender with a full coverage policy in North Dakota are:

  • American Family: $598 per year
  • State Farm: $634 per year

If the cost of full coverage is too much and you’re willing to risk having less protection in an accident, state minimum coverage is an option after a DUI.

Cheapest Car Insurance for Full Coverage After a DUI

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  • Rank
    Company
    Annual Premium
  • 1
    American Family
    $598
  • 2
    State Farm
    $634
  • 3
    Nodak Mutual
    $770
  • 4
    Progressive
    $793
  • 5
    USAA
    $932

Cheapest Companies for Minimum Coverage in North Dakota After a DUI

Choosing minimum coverage can save you money on your car insurance after a DUI in North Dakota. The most affordable companies, on average, for a minimum coverage policy for a DUI offender in North Dakota are:

  • Nodak Mutual: $324 per year
  • American Family: $327 per year

Because of its top ranking in North Dakota for auto insurance with a DUI, you may consider State Farm, costing around $338 a month.

Cheapest Car Insurance for Minimum Coverage After a DUI

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While state minimum coverage is the cheapest car insurance you can buy in North Dakota, it may not cover the total costs of an at-fault accident. For example, any damage to your vehicle is not a covered expense with the state minimum policy. MoneyGeek recommends finding out how much car insurance you need to financially protect yourself and your assets.

Top Car Insurance Companies in North Dakota After a DUI

MoneyGeek compared auto insurers based on affordability, customer satisfaction, financial stability and more to provide the best options. We determined State Farm is the best car insurance company for DUI offenders who want full coverage or minimum coverage in North Dakota.

Best Companies for Full Coverage in North Dakota After a DUI

The unique MoneyGeek scoring system found State Farm and Progressive are the best companies offering full coverage car insurance after a DUI in North Dakota.


1
State FarmBest full coverage after a DUI
Score:4.3

4.9/5

Affordability

4/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

A full coverage policy from State Farm in North Dakota costs an average of $579 per year without a DUI. There’s a roughly 9.5% increase if you’re convicted of a DUI, making the average rate $634 per year.

More About State Farm

State Farm is the top-rated auto insurer in North Dakota. It offers several discounts, including a student discount and a bundling discount. However, it lacks unique add-on coverages, like original equipment manufacturer (OEM).

2
Progressive
Score:4.2

4.6/5

Affordability

4.5/5

Financial Stability

4/5

User Satisfaction

4/5

Claims

Geek Quick Take
Geek Quick Take

In North Dakota, for drivers without a DUI, Progressive offers full coverage car insurance at an average cost of $720 per year. But this increases by around 10.14% to an average rate of $793 per year if you get a DUI.

More About Progressive

Progressive is among the best insurers in North Dakota. It offers unique add-on coverages, such as custom parts and equipment (CPE). However, it doesn’t provide some common discounts, including anti-theft system and airbags.

Best Companies for Minimum Coverage in North Dakota After a DUI

The best car insurance companies for DUI offenders looking for a minimum coverage policy in North Dakota are State Farm and American Family. While this policy is the cheapest insurance you can purchase, it may not cover all your accident-related costs.


1
State FarmBest minimum coverage after a DUI
Score:4

4/5

Stability

4/5

Satisfaction

4/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

State Farm’s minimum coverage policy in North Dakota costs an average of $305 per year for those without a DUI. But DUI offenders pay an average of $338 per year — that’s nearly an 11% increase.

More About State Farm

State Farm usually has inexpensive rates for most types of drivers, including teen drivers and those with traffic violations. It provides add-on rideshare insurance and several discounts. However, it doesn’t offer accident forgiveness, new car replacement or gap insurance add-on coverages.

2
American Family
Score:4

5/5

Stability

4/5

Satisfaction

4/5

Claims

5/5

Affordability

Geek Quick Take
Geek Quick Take

In North Dakota, American Family offers minimum coverage without a DUI at an average cost of $320 per year. But a minimum coverage policy with a DUI costs an average of $327 per year, an over 2% increase.

More About American Family

American Family is usually affordable for drivers with a violation and young drivers. It offers original equipment manufacturer (OEM) parts add-on coverage and several discounts, including loyalty and legacy. However, it lacks common add-on coverages like new car replacement.

How Much Does Car Insurance Cost in North Dakota After a DUI?

In North Dakota, a car insurance policy increase averages 81.40% after a DUI. As a result, DUI offenders in the state pay roughly $1,296 per year for a full coverage policy, around $582 more than drivers with a clean record. You can review the list below to see how auto insurance rates in North Dakota increase if you get a DUI.

How long does a DUI affect the cost of your car insurance?

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Average Cost

Full Coverage

$714
insurance2
Average Cost with DUI

Full Coverage

$1,296
Full coverage policy premiums after a DUI cost::$582 more

This is 82% more expensive.

A DUI could significantly impact your car insurance premium. Auto insurers tend to increase rates because they now consider you a risky driver with the potential to file a claim. You can use MoneyGeek’s auto insurance calculator to get a personalized estimate after a DUI conviction in North Dakota.

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There are serious financial consequences with a DUI. In addition to paying more for auto insurance, you may incur the following costs if you get a DUI conviction:

  • Fines, court and attorney fees. A DUI conviction carries fines and other court fees, including paying for an attorney to help you post bail or fight a charge you deem unfair.
  • Towing/impound fee. You need to pay a fee to reclaim your vehicle if it was towed and impounded after an arrest.
  • Drug education and treatment. You may have to complete an alcohol or drug addiction evaluation or education program.
  • DMV reinstatement fee. If your license was suspended, you pay a fee to reinstate your driving privileges.

Getting Car Insurance in North Dakota After a DUI

After a DUI, you may find it hard to get auto insurance in North Dakota. Most car insurance companies are private businesses, which means they can legally refuse to offer you coverage. Getting car insurance may also be more challenging because of the look-back period in North Dakota, five to seven years or longer.

But there are companies that provide coverage for high-risk drivers. MoneyGeek recommends shopping around and comparing quotes to get the best rate possible for your particular situation.

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Drivers in North Dakota with DUI convictions must have SR-22 insurance. It is a form submitted by your insurer to verify that you have car insurance that meets the state’s minimum requirements. Note that SR-22 insurance costs in North Dakota vary depending on the gravity of your infraction.

North Dakota DUI Laws

A DUI conviction exacts serious legal consequences. In North Dakota, you could pay fines, have your license suspended and serve jail time. MoneyGeek broke down several North Dakota DUI laws in the table below.

  • This is an icon

    Driving With a BAC at or Above 0.08% Is Considered a DUI

    Blood alcohol concentration (BAC) is the amount of alcohol in your blood. The threshold in North Dakota is 0.08%, but you can be charged with a DUI even with a lower BAC if your driving is noticeably impaired.

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    Driving With a BAC of 0.18% Will Result in Increased Penalties

    For North Dakota drivers with a BAC of 0.18%, a mandatory pre-DUI conviction license suspension increases from 30 to 80 days for the first offense, one to two years for the second offense and two to three years for a third or subsequent offense.

    Meanwhile, the mandatory post-DUI conviction license suspension increases from 91 days to 180 for the first offense, 365 days to two years for the second offense and two to three years for a third or subsequent offense.

  • This is an icon

    91-Day Administrative License Suspension on First Offense

    If you are caught driving with a BAC at or above 0.08% but below 0.18%, your license is suspended for 91 days. If your BAC is above 0.18%, your license is suspended for 180 days.

  • This is an icon

    Limited Driving Privileges

    You may be granted a temporary restricted license (TRL) after 30 days of your license suspension provided that you are older than 18, operating a non-commercial motor vehicle, don’t have a second alcohol offense within five years and two or more criminal convictions, resulting from separate incidents.

  • This is an icon

    Open Container Laws

    North Dakota prohibits any person from having an open container of alcohol inside the vehicle.

  • This is an icon

    Repeat Offender Laws

    Under North Dakota law, the sentence of DUI offenders can be enhanced if they have been previously convicted of two felonies punishable by a maximum term of five years or more.

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Frequently Asked Questions

You may find it harder to get car insurance after a DUI in North Dakota. MoneyGeek answered some frequently asked questions to help you through the process.

Methodology

To determine the top companies for individuals with DUIs in North Dakota, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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