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

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.

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.

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.

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.

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.

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.

Filing an SR-22 in North Dakota may impact your car insurance beyond leading to higher premiums. We've listed other possible consequences below:

To secure insurance coverage following a violation, you typically need to follow these steps:

1. Find an insurance company that provides coverage for drivers with violations on their record.
2. Obtain an insurance policy that meets the minimum liability requirements set by North Dakota.
3. Ask your insurance company to file an SR-22 form on your behalf and pay all necessary fees.
4. Maintain an active and up-to-date form as mandated by North Dakota SR-22 requirements.

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.

MoneyGeek answered some commonly asked questions to help you find the best SR-22 insurance in North Dakota.