North Dakota drivers with serious driving violations are required to have SR-22 insurance. SR-22 is a form filed by your insurer to confirm that you have car insurance that meets the state’s regulations. SR-22 insurance in North Dakota costs an average of $643 per year, which is higher than the standard car insurance rate for drivers with no violations. Money Geek found that Nodak Mutual, which costs $324 yearly, is the cheapest insurer for SR-22 insurance in North Dakota.
North Dakota SR-22 Insurance: What it is and How Much it Costs
Which North Dakota Insurance Companies Offer the Cheapest SR-22 Insurance?
Drivers in North Dakota with violations on their records pay more for insurance because they are considered higher risk compared to drivers with clean records. For a minimum policy, North Dakota Drivers with SR-22 insurance for violations, such as a DUI, pay $643 per year. Those without violations pay $359 yearly. For drivers looking for cheap SR-22 insurance in North Dakota, Nodak Mutual, which costs roughly $324 per year, is the most affordable insurer.
Cheapest Companies for SR-22 Insurance in North Dakota
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Prices in the table are based on a policy that meets North Dakota’s minimum car insurance requirements or for a full coverage policy with coverage limits of $100,000 per person for bodily injury liability, $300,000 per accident and $100,000 in property damage limits.
SR-22 insurance rates in North Dakota can vary depending on the cost of filing the form, the type of violation and discounts you may lose due to the violation. To find the cheapest option if you have an SR-22, compare quotes from at least three different insurers.
SR-22 costs vary depending on the severity of your violation, with serious violations such as a hit and run attracting higher costs.
When you have violations, you become ineligible for discounts available to people with clean records, which makes SR-22 insurance even more costly.
SR-22 insurance comes with a filling cost of around $25, which is a one-off fee.
What Is SR-22 Insurance in North Dakota? Who Needs It? How Do You Get It?
In North Dakota, drivers with violations such as hit and runs, DUIs and other serious violations are required to get SR-22 insurance. SR-22 is a form that is filed by your insurer on your request as proof that you have car insurance that meets the minimums stipulated by the state. SR-22 insurance in North Dakota is more costly than standard car insurance for drivers with no violations. Drivers with a DUI will pay more for car insurance as a result of the violation on their record.
SR-22 forms are filed as proof that you have car insurance that meets the minimum liability limits for car insurance in North Dakota, which are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- $30,000 personal injury protection
Who Needs SR-22 Insurance in North Dakota? And for How Long Do They Need It?
Depending on which state you live in, the violations that make SR-22 insurance mandatory can vary. However, in North Dakota and most states, if you commit the following violations, you will need to file for SR-22 insurance:
- Reckless driving
- Driving without insurance coverage
- Driving with a suspended license
Minor violations like speeding tickets or standard accidents do not require SR-22 insurance in North Dakota. You can compare quotes from different insurers to find the cheapest option for drivers with speeding tickets. For serious violations, you will have an SR-22 for three years, although this duration may vary depending on the type of violation.
How Do You Get SR-22 Insurance in North Dakota?
If you have a driving violation, you can request your insurance company to file an SR-22 form with the state. In some cases, drivers with violations are deemed as high risk, and an insurance company may choose to not cover you as a result.
Non-Owner SR-22 Insurance in North Dakota
After your license is suspended in North Dakota due to a violation, you need to file an SR-22 form to get your license reinstated. SR-22 insurance acts as proof that you have liability insurance both for car owners and non-owners. Non-owner car insurance is the most affordable option for drivers in North Dakota who need proof of liability insurance coverage to drive rentals or apply for a license.
In North Dakota, non-owner car insurance costs an average of $471 per year. If you want cheap non-owner SR-22 insurance in North Dakota, the cheapest options are State Farm at $145 a year and USAA, available to current and former members of the military, at $214 per year.
The Average Cost of Non-Owner SR-22 Car Insurance in North Dakota
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MoneyGeek used rates based on a non-owner car insurance policy for a driver with a DUI in North Dakota with coverage limits of $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.
FAQs About SR-22 Insurance in North Dakota
If you need SR-22 insurance in North Dakota, here are some commonly asked questions on rates, insurers and the cheapest options.
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MoneyGeek analyzed SR-22 insurance costs from 12 top insurance companies in North Dakota. The rates indicated were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across North Dakota. Rates used in this study are for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates used are based on the same driver with both a clean record and a DUI.
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