Cheapest SR-22 Car Insurance in North Dakota

American Family provides the lowest SR-22 insurance in North Dakota at $573 for minimum coverage and $1,182 for full coverage. That minimum rate is $1,561 below the state average of $2,135, or roughly 73% cheaper, one of the biggest discounts nationwide.

Auto-Owners, the most expensive provider on our list, charges $1,301 for minimum coverage, still 39% below the state average but $728 more than American Family. North Dakota's wide pricing spread makes carrier comparison essential.

You can find the five insurers offering North Dakota's cheapest SR-22 premiums in the table below.

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

American Family is the top low-cost insurer across most categories. The least expensive category is Drivers With Other Violations, averaging $459 for minimum coverage SR-22 insurance with North Star Insurance, while the most expensive is Drivers With Hit-And-Run Accident, at $695 with American Family. The $236 spread highlights how fleeing an accident scene increases SR-22 costs.

SR-22 rates depend heavily on violation type and recency, with repeat incidents leading to sharper increases.

* 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.

Willow City has the lowest minimum coverage SR-22 at $541 (American Family), while Grand Forks averages $632 (American Family). The $91 gap, or about 17% higher, shows how even modest city-to-city differences can influence risk-based pricing.

Claim trends, traffic volumes, and repair accessibility all shape SR-22 costs across North Dakota cities.

* 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.

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.