SR22 Insurance North Dakota

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SR22 Insurance North Dakota

What you should know about having an SR22 In North Dakota

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SR22 Insurance North Dakota

What you should know about having an SR22 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.

StateState MinPIP
North Dakota25/50/25$30,000
SR22 Insurance North Dakota

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.

SR22 Insurance North Dakota

Cost for SR22 Insurance (Full Coverage) in North Dakota

Full coverage consists of Comprehensive (covers glass breakage, fire, theft, and vandalism). Collision (covers impact with another vehicle or object). You can also add rental reimbursement and roadside assistance to full coverage.

CityAverage Cost
SR22 Insurance North Dakota
Example Rates

SR22 Rates by Company (Full Coverage) in North Dakota

If your license has been suspended for failure to pay child support, you will need to carry an SR22 for 1-3 years in order to keep your license in good standing. If your SR22 cancels or lapses, the time will start over. Most insurance companies offer SR22 filings, while some do not because it is considered ‘high risk’. If you are already insured, check with your provider to see if they can add the filing onto your policy.

CompanySR22 Full Coverage (Average)
National General$188.00
Progressive Insurance$188.00
The General$182.00
Bristol West$174.00
SR22 Insurance North Dakota
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.

CityAverage Cost
Grand Forks AFB$90.00
SR22 Insurance North Dakota
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.

UnderwoodLiberty Mutual
ParshallThe General
SR22 Insurance North Dakota
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.

CompanySR22 Offered
Assurance AmericaYes
Progressive InsuranceYes
National GeneralYes
Mendota Ins. CompanyYes
Bristol WestYes
SR22 Insurance North Dakota
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.

CompanySR22 Liability (Average)
Liberty Mutual$132.00
Bristol West$81.00
National General$114.00
The General$98.00
Mendota Ins. Company$85.00
Acceptance RTR$70.00
SR22 Insurance North Dakota
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.

Bristol West$25.00
Liberty Mutual$15-$25
Progressive Insurance$25.00
The General$25.00
SR22 Insurance North Dakota
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)
SR22 Insurance North Dakota

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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SR22 Insurance North Dakota

Last Updated on by Camron Moss

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