Cheapest SR-22 InsuranceNorth DakotaCheapest SR-22 Car Insurance in North Dakota (2023)
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By , Content Director
Updated: Oct 17, 2023
If you’re looking for cheap SR-22 insurance in North Dakota, the two most affordable companies are State Farm with a rate of $246 per year and Nodak Mutual with a rate of $298 per year for minimum coverage.
If you don't own a car but still need SR-22 insurance, the cheapest options for non-owner insurance are State Farm at $210 per year and Auto-Owners at $290 per year.
SR-22 car insurance is not technically an insurance policy — it's a certificate of financial responsibility that drivers who have committed certain offenses are required to file. An SR-22 form serves as proof that they have the required liability coverage in North Dakota.
Cheapest SR-22 InsuranceNorth DakotaCheapest Companies for SR-22 Car Insurance in North Dakota
Cheapest Companies for SR-22 Car Insurance in North Dakota
If you're looking for minimum coverage SR-22 insurance in North Dakota, these companies offer the most affordable rates:
- State Farm: $246 per year
- Nodak Mutual: $298 per year
For full coverage SR-22 insurance in North Dakota, you can find the cheapest rates with the following companies:
- State Farm: $680 per year
- American Family: $725 per year
You can expect car insurance rates to go up after a driving violation because insurance companies consider you to be a higher risk. However, it's still possible to find affordable SR-22 car insurance coverage by comparing rates from various insurers.
The table below displays the cheapest providers in North Dakota for SR-22 insurance along with their rates, ranging from $246 to $902 per year.
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What Is SR-22 in North Dakota?
SR-22 is not a type of insurance policy but a document that proves you have the minimum liability car insurance coverage mandated by the state. North Dakota drivers may be required to file an SR-22 after serious offenses like driving under the influence, being involved in an accident without insurance or driving with a revoked or suspended license.
In North Dakota, you must keep an SR-22 on file with the DMV for one year following the date your driving privileges are reinstated, the date you receive a temporary restricted license or the date you're involved in a crash without insurance.
Your insurance provider handles the completion and submission of the SR-22 form to the North Dakota DMV. Keep in mind that filing an SR-22 can result in higher insurance rates because you're considered a high-risk driver.
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After you have completed the terms of your financial responsibility requirement in North Dakota, your insurance company must file a Financial Responsibility Cancellation Form with the state. This form will notify the state that your mandatory SR-22 filing period is over and that you are no longer required to maintain SR-22 insurance.
Cheapest Companies for Non-Owner SR-22 Car Insurance in North Dakota
The two most affordable companies for non-owner SR-22 insurance in North Dakota are:
- State Farm: $210 per year
- Auto-Owners: $290 per year
For military members and their families, USAA is also a recommended choice, offering non-owner SR-22 car insurance at an annual rate of $165.
Even drivers who don't own a car may still be required to file an SR-22 in certain situations. You may need non-owner car insurance if your vehicle has been totaled or taken away or if you need to reinstate your license.
To help you compare rates, we found the cheapest premiums for non-owner car insurance in North Dakota, ranging from $210 to $555 per year.
WHAT IS NON-OWNER CAR INSURANCE?
Non-owner car insurance, also known as non-owner liability insurance, provides coverage for property damage and bodily injury to others if you are responsible for a car accident while driving a vehicle that does not belong to you. It is particularly useful for individuals who rent cars, work as rideshare drivers or need to fulfill SR-22 requirements but don't own a vehicle. To help you get the best rates, MoneyGeek identified the cheapest non-owner car insurance options in North Dakota.
Average Cost of SR-22 Car Insurance in North Dakota
In North Dakota, drivers with a DUI on their record can expect to pay an average annual cost of $511 for minimum coverage and $1,218 for full coverage SR-22 insurance. You may also need to file SR-22 forms for other offenses like speeding or at-fault accidents. If you have driving offenses on your record, your insurance rates will likely increase since insurers will consider you a riskier driver to insure.
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To get the cheapest SR-22 insurance in North Dakota, we recommended comparing insurance rates annually or at each renewal. Since rates can change over time, doing so will help ensure that you're getting the most affordable premium.
How SR-22 Affects Car Insurance Rates in North Dakota
Filing an SR-22 in North Dakota can result in your car insurance rates increasing by around $183 per year. An SR-22 indicates that you have committed a driving violation and are therefore riskier to insure, leading to higher premiums. You will be required to file an SR-22 form in North Dakota if you are convicted of violations including a DUI, driving with a revoked license and getting into an accident without auto insurance.
Car Insurance Rate Comparison Based on Driving Records in North Dakota
Clean Driving Record
Annual Premium for Minimum Coverage
$328
After a DUI
Annual Premium for Minimum Coverage
$511Car insurance premiums after a DUI are on average: :$183 more
This is 56% more expensive.
Other Effects of SR-22 on Car Insurance in North Dakota
Filing an SR-22 in North Dakota may impact your car insurance beyond leading to higher premiums. We've listed other possible consequences below:
1
Limited number of insurance options
Some car insurance companies may not offer coverage to individuals that have serious driving violations on their record, so you may find that your available options are reduced.
2
Possible policy cancellation
If you commit violations and are required to file an SR-22, your insurer may cancel your policy, and you will be forced to find another provider to avoid a lapse in coverage.
3
Length of required filing
In North Dakota, you are required to maintain the SR-22 filing for one year.
4
Filing fees
In certain states, you may be required to pay a one-time SR-22 filing fee, which can range from $15 to $50. This fee is an additional cost on top of your premium.
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How to Get SR-22 Insurance in North Dakota
To secure insurance coverage following a violation, you typically need to follow these steps:
- Find an insurance company that provides coverage for drivers with violations on their record.
- Obtain an insurance policy that meets the minimum liability requirements set by North Dakota.
- Ask your insurance company to file an SR-22 form on your behalf and pay all necessary fees.
- Maintain an active and up-to-date form as mandated by North Dakota SR-22 requirements.
NORTH DAKOTA LICENSE REINSTATEMENT FEE
The cost of reinstating your driver's license in North Dakota varies depending on the violation, ranging from $25 to $100. For violations related to blood alcohol concentration (BAC) over the legal limits, the fee is $100. These fees are subject to change, so it's always best to consult with your local DMV for the most accurate information regarding reinstatement costs.
How to Get Cheaper Car Insurance in North Dakota After a DUI
Car insurance after a DUI conviction will generally be more expensive. Understanding SR-22 insurance and following the tips below can help you reduce your overall expenses.
Compare quotes immediately
Insurance companies have different risk assessments and criteria, resulting in varying premiums. By comparing quotes from multiple providers, you can find the cheapest insurers after a DUI in North Dakota.
Complete DUI classes or programs
Participating in DUI programs or classes, such as the 16-Hour DUI Seminar in North Dakota can demonstrate your commitment to preventing future offenses. This may lower the perceived risk associated with your profile and potentially lead to lower insurance rates.
Look for discounts
While certain discounts such as safe-driver or good-driver discounts may not be available to individuals with a DUI conviction, you may be able to get other common discounts, including multi-policy discounts, loyalty discounts or discounts for completing defensive driving courses.
Practice safe driving
To help lower your car insurance costs after a DUI, try to avoid getting more tickets or violations. Drive less often or shorter distances if possible. It's important to maintain a good driving record to lower your premiums over time.
Shop rates over time
Insurance rates can change over time, so it's always a good idea to compare policies before renewing to make sure you still have the best and cheapest car insurance for your needs.
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Another insurance product that high-risk drivers should consider is non-standard auto insurance. While often more expensive than standard insurance, this type of insurance is specifically designed for drivers with a history of violations or accidents and can be a good option if you're having trouble getting covered.
Frequently Asked Questions About SR-22 Insurance in North Dakota
MoneyGeek answered some commonly asked questions to help you find the best SR-22 insurance in North Dakota.
About Mark Fitzpatrick
sources
- North Dakota Health & Human Services. "DUI Seminar Providers." Accessed June 7, 2023.