- North Dakota SR22 Insurance Costs: Full Coverage Rates and Options
- Compare SR22 Insurance Rates by Company for Full Coverage in North Dakota
- Cost for SR22 Insurance (Liability) in North Dakota
- Who Has the Lowest Price on SR22 (by city) in North Dakota?
- Which Companies Offer SR-22 filings in North Dakota?
- SR22 Rates by Company (Liability) in North Dakota
- Company Fees for SR-22 in North Dakota
- Reasons You May be Required to Carry an SR22 in North Dakota
- Q1: What is SR22 insurance, and why might I need it in North Dakota?
- Q2: How do I obtain SR22 insurance in North Dakota?
- Q3: How long is SR22 insurance required in North Dakota?
- Q4: How much does an SR-22 cost in North Dakota?
State Insurance Requirements in North Dakota
The minimum insurance requirements per North Dakota law are 25/50/25. This means $25,000 per person for bodily injury, up to $50,000 per accident, and $25,000 for property damage.
| State | State Min | PIP |
|---|---|---|
| North Dakota | 25/50/25 | $30,000 |
First, it should be established that while an SR22 is commonly referred to as SR22 insurance, the SR22 is actually not an auto insurance policy in itself. Rather, an SR-22 is a rider or endorsement of an existing or newly-established car insurance policy SR22 insurance, can be understood as high-risk car insurance.
It provides coverage to those who have had their driver’s license revoked for one reason or another, or for some other reason the state has mandated it. SR22 insurance can be understood as high-risk car insurance. It provides coverage to those who have had their driver’s license revoked for one reason or another, or for some other reason the state has mandated it. This usually indicates that you are financially responsible for your vehicle and driving.
North Dakota SR22 Insurance Costs: Full Coverage Rates and Options
SR22 insurance in North Dakota with full coverage includes both Comprehensive and Collision coverage. Comprehensive covers incidents like glass breakage, fire, theft, and vandalism, while Collision covers damage from impacts with another vehicle or object. In addition to these, you can enhance your full coverage SR22 insurance by adding options like rental reimbursement and roadside assistance. When exploring SR22 insurance costs in North Dakota, it’s important to consider these coverage options to find the best rates and protection for your needs.
| City | Average Cost |
|---|---|
| Surrey | $153 |
| Oakes | $172 |
| Cando | $173 |
| Bowman | $173 |
| Jamestown | $168 |
| Beulah | $177 |
| Beach | $160 |
| Enderlin | $150 |
Example Rates
Compare SR22 Insurance Rates by Company for Full Coverage in North Dakota
If your license has been suspended in North Dakota, such as for failure to pay child support, you will need to carry SR22 insurance for 1-3 years to maintain your driving privileges. If your SR22 insurance in North Dakota lapses or gets canceled, the required time period restarts. While many insurance companies offer SR22 filings, some do not due to the higher risk associated with these policies. If you already have insurance, check with your provider to see if they can add the SR22 filing to your full coverage policy. Comparing SR22 insurance rates by company in North Dakota is essential to find the best deal while meeting state requirements.
| Company | SR22 Full Coverage (Average) |
|---|---|
| National General | $188.00 |
| Progressive Insurance | $188.00 |
| The General | $182.00 |
| Farmers | $209.00 |
| AssuranceAmerica | $182.00 |
| Dairyland | $181.00 |
| Bristol West | $174.00 |
Example Rates
Cost for SR22 Insurance (Liability) in North Dakota
The average cost for liability insurance, with an SR-22 filing, will depend on the area you live in, along with your driving history. This is the average cost drivers should expect to pay for liability, with SR22 Insurance North Dakota. If you are required to carry an SR-22 but do not own a vehicle, you can purchase a Named Operator policy. This will insure you for the minimum liability requirements needed, and also cover you to drive any personal passenger vehicle as long as you do not own it.
| City | Average Cost |
|---|---|
| Thompson | $108.00 |
| Mapleton | $110.00 |
| Williston | $86.00 |
| Kindred | $106.00 |
| Wilton | $110.00 |
| Horace | $92.00 |
| Grand Forks AFB | $90.00 |
Example Rates
Who Has the Lowest Price on SR22 (by city) in North Dakota?
Need an SR22 but are not sure where to start? Above is a list of the cheapest Insurance companies for high-risk drivers, in each city. Start by calling the companies for free quotes on SR22 Insurance North Dakota.
| City | Price |
|---|---|
| Surrey | Geico |
| Stanley | Geico |
| Beach | Progressive |
| Richardton | Progressive |
| Underwood | Liberty Mutual |
| Parshall | The General |
Lowest Rates
Which Companies Offer SR-22 filings in North Dakota?
Many companies offer SR22 filings, while some do not because that is considered ‘High risk’. If you are already insured, check with your insurance company to see if they offer SR22 filings, and what the cost may be.
| Company | SR22 Offered |
|---|---|
| Nationwide | No |
| Geico | Yes |
| Assurance America | Yes |
| Progressive Insurance | Yes |
| National General | Yes |
| Mendota Ins. Company | Yes |
| USAA | No |
| Bristol West | Yes |
| Dairyland | Yes |
Company SR-22 Filing
SR22 Rates by Company (Liability) in North Dakota
Carrying liability insurance is the minimum requirement needing to carry an SR22. Insurance rates will vary on the insurance company as well as driving record, and vehicle information. Check out the list of companies that offer SR22 Insurance in North Dakota.
| Company | SR22 Liability (Average) |
|---|---|
| Farmers | $119.00 |
| Liberty Mutual | $132.00 |
| Bristol West | $81.00 |
| National General | $114.00 |
| AssuranceAmerica | $82.00 |
| The General | $98.00 |
| Dairyland | $93.00 |
| Mendota Ins. Company | $85.00 |
| Acceptance RTR | $70.00 |
Example Rates
Company Fees for SR-22 in North Dakota
Some Insurance companies do not offer SR22 filings. This could be because they are a preferred company and do not insure high-risk drivers. A lot of companies do offer SR22 filings and generally charge a flat fee for each insurance term. In most cases, it is $5-$25 for the term.
| Company | Fee |
|---|---|
| Geico | $25.00 |
| Bristol West | $25.00 |
| Liberty Mutual | $15-$25 |
| Progressive Insurance | $25.00 |
| The General | $25.00 |
| Dairyland | Free |
| Farmers | $15-$59 |
Actual Rates
Reasons You May be Required to Carry an SR22 in North Dakota
You may need to carry an SR22 if you’ve been convicted of a major violation, as listed above. These can be the main reasons you need to carry SR22 Insurance in North Dakota.
| Types of Violations |
|---|
| Multiple Traffic Offenses |
| At Fault Accident with No Insurance |
| Too Many Tickets in Short Period of Time |
| License Suspension for Failure to Pay Fines |
| Excessive Points Violations |
| DUI (Driving Under the Influence of Drugs or Alcohol) |
| Suspension of License Due to Child Support |
| Previous Incarceration |
| Failure to Maintain Mandatory Insurance Coverage Required by State Law |
| Driving while Suspended / Revocation |
| DWI (Driving While Intoxicated) |
Violations
Frequently Asked Questions About SR22 Insurance in North Dakota
Q1: What is SR22 insurance, and why might I need it in North Dakota?
A1: SR22 insurance is a certificate of financial responsibility that’s often required for individuals with certain driving violations, such as DUI or driving without insurance, in North Dakota. You may need it to reinstate your driving privileges and demonstrate financial responsibility to the state.
Q2: How do I obtain SR22 insurance in North Dakota?
A2: To obtain SR22 insurance in North Dakota, you’ll need to contact an insurance provider authorized to issue SR22 certificates. You’ll typically need to purchase an auto insurance policy that includes SR22 filing, and the insurance company will file the SR22 form with the state on your behalf.
Q3: How long is SR22 insurance required in North Dakota?
A3: The duration of SR22 insurance requirements in North Dakota varies depending on the nature of your violation. Typically, it’s required for a minimum of three years. It’s crucial to maintain continuous coverage during this period, as any lapses could result in further penalties.
Q4: How much does an SR-22 cost in North Dakota?
A4: The cost of an SR-22 in North Dakota can vary depending on several factors, including your driving history and the insurance provider you choose. On average, you can expect to pay a one-time filing fee of around $25 to $50, in addition to higher insurance premiums due to the SR-22 requirement. It’s best to request quotes from insurance companies to get an accurate cost estimate.
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Last Updated on by Marlon Moss