Cheapest SR-22 Car Insurance in North Dakota (August 2024)

An SR-22 isn't a type of car insurance. It's a certificate of financial responsibility that you may be required to file after a driving violation. In North Dakota, you or your insurance company must file this form to prove that you meet the state minimum coverage requirements. While the form doesn't raise your rates, the violations requiring an SR-22 can lead to higher premiums.

For SR-22 insurance, State Farm offers the lowest rate at $332 per year. American Family follows with an annual premium of $347. These rates are for minimum coverage after a DUI.

For non-owner SR-22 insurance, State Farm also provides the most affordable option at $210 per year. Auto-Owners is another budget-friendly choice at $290 annually.

The cheapest companies for minimum coverage SR-22 car insurance in North Dakota are:

• State Farm: $28 per month; $332 per year
• American Family: $29 per month; $347 per year

The least expensive providers for full coverage SR-22 insurance in North Dakota are:

• American Family: $64 per month; $762 per year
• State Farm: $88 per month; $1,058 per year

After a driving violation, your insurance rates may rise as insurers see you as a higher risk. But cheap SR-22 car insurance is available. Compare quotes from various companies to find the best rates.

The companies with the cheapest non-owner SR-22 insurance in North Dakota are:

• State Farm: $18 per month; $210 per year
• Auto-Owners: $24 per month; $290 per year

Non-owner car insurance meets liability coverage requirements for drivers who need an SR-22 but don’t own a vehicle. This is useful for those with a suspended or revoked license or serious traffic violations.

An SR-22 is a certification your insurance company files with the state to prove you have minimum coverage auto insurance. It's required for certain violations like DUI or driving without insurance. Your insurer must file it; you typically need it for three years in North Dakota. If your SR-22 is canceled or lapsed, insurers will notify the North Dakota Department of Public Safety.

An SR-22 insurance verifies that you have the following minimum car insurance requirements in North Dakota:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

If you don't own a vehicle, you'll need SR-22 non-owner car insurance. Remember, an insurance card is different from an SR-22.

North Dakota drivers may need to file an SR-22 after driving under the influence (DUI), driving without insurance or a major traffic violation to prove they have the minimum required auto insurance. This helps them keep their driver's license.

Your insurance company can handle the filing and must notify the state if your policy is canceled. The SR-22 requirement typically lasts for three years. Here's a list of convictions that require an SR-22:

Filing an SR-22 in North Dakota often means facing higher insurance rates, fewer coverage options and additional fees. In some cases, insurers may deny coverage or cancel the policy. Keep your insurance active without gaps to prevent restarting the SR-22 period.

Understanding these consequences helps you prepare for and manage the extra requirements and costs. Here's how an SR-22 negatively impacts your car insurance:

In North Dakota, drivers with a DUI pay an average of $1,467 per year for full coverage and $613 for minimum coverage. Drivers with a clean record pay $964 and $400 respectively.

The severity of your offense affects your premiums, not the SR-22 certificate itself. Repeat offenders or those with severe violations may face higher rates or non-renewal. You must maintain state minimum liability coverage for three years with an SR-22.

Filing an SR-22 in North Dakota is mandatory after certain violations like DUIs. Without it, you risk further penalties. It confirms you carry the state minimum coverage for three years. Insurers must notify the state upon cancellation.

Here are the steps to secure an SR-22 in North Dakota:

If your SR-22 in North Dakota lapses, your driving privileges will be suspended again. You must maintain minimum coverage auto insurance for three years. Your insurer will notify the state if your insurance ends. Keep your SR-22 active to avoid issues.

Having a DUI on your record can lead to higher insurance premiums. For instance, a 30 to 59-year-old with a clean record pays around $400 annually for minimum coverage. DUI raises the rate to about $613.

Despite this, affordable car insurance after a DUI is available. To lower your costs, compare rates and seek discounts.

Securing affordable SR-22 insurance in North Dakota can be challenging. Get answers to your questions about finding cost-effective options in the state.