Cheapest SR-22 Car Insurance in North Dakota

American Family provides the cheapest SR-22 insurance in North Dakota at $48 monthly for minimum coverage and $98 for full coverage, about 64% below the state's average rates. Keep in mind these rates reflect costs for 40-year-old drivers with a DUI. Progressive, Farm Bureau, State Farm and GEICO might offer better rates for your specific situation.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

American Family leads the North Dakota SR-22 market, winning in five out of seven categories including coverage for most drivers, young drivers and seniors. Auto-Owners offers the most affordable rates for racing violations, while North Star Insurance provides the cheapest coverage for other violations.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our analysis covers general winners, but your cheapest insurance options depend on personal factors. Find your best rates in the table below, which ranks providers based on your age, gender, coverage needs, credit score and driving history.

American Family offers the most affordable SR-22 car insurance across North Dakota cities, with rates starting at $45 monthly, depending on your location. You can review its rates for major cities in the state below.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Overall, Progressive is the best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service, useful coverage options and the highest overall MoneyGeek score. However, you should also consider Auto-Owners, American Family, Farm Bureau and State Farm in your search.

North Dakota drivers pay an average of $1,863 annually for SR-22 minimum coverage and $3,345 for full coverage insurance. North Dakota ranks 23rd most affordable for minimum coverage and 20th for full coverage nationwide. Monthly premiums can range from $45 to $933, depending on your driving profile.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis of North Dakota SR-22 insurance rates shows Willow City has the lowest average premiums at $143 per month, while Fargo residents pay the highest at $167 monthly. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with North Dakota laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years if you don't comply with requirements or have repeated offenses.

While filing an SR-22 meets North Dakota's basic insurance requirements, drivers should be aware of additional regulations that affect their coverage needs.

In North Dakota, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 7 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in North Dakota:

MoneyGeek analyzed hundreds of thousands of quotes across North Dakota to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

North Dakota SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on North Dakota's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.