Cheap SR-22 Insurance in North Dakota From $89
The average cost of SR-22 car insurance for North Dakota drivers is $89 per month for liability insurance and $153 for full coverage.
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Written byErin Gobler
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Edited byKatie Powers
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Licensed auto and home insurance agent
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NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
An SR-22 is an insurance document that verifies a person has the state’s minimum car insurance requirements. States may require this form — often referred to as SR-22 insurance — for high-risk drivers after certain offenses, including driving under the influence or driving without a license.[1] Having a past incident that requires you to file an SR-22 often increases your auto insurance premiums, but it’s still possible to find affordable rates.
Here’s what you need to know about finding cheap car insurance with an SR-22 in North Dakota.
Quick Facts
An SR-22 is a certificate of financial responsibility that serves as additional proof of insurance for higher-risk drivers.
The state of North Dakota requires drivers to maintain SR-22s for one year after serious driving violations and convictions.
Needing an SR-22 due to a past incident will often increase the cost of car insurance, though the increase may vary depending on the severity of your violation.
Cheapest companies for SR-22 insurance in North Dakota
Though SR-22 insurance is often more expensive than traditional car insurance, it’s still possible to find affordable rates. The table below breaks down the average rates for some of the cheapest North Dakota car insurance companies with SR-22 insurance to help you find the lowest rates.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
Insurance Company  | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Direct Auto | $79 | $137 |
| Root | $80 | $142 |
| Bristol West | $87 | $184 |
| Safeco | $95 | $150 |
| The General | $118 | $193 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
What is SR-22 insurance in North Dakota?
Not technically a type of insurance, an SR-22 form is a certificate of financial responsibility that some North Dakota drivers must have to prove to the state that they have the minimum amount of liability insurance coverage.
State laws usually require SR-22 certificates after a driver has committed certain driving violations. You still have to meet the same state minimum-coverage requirements, but the SR-22 certificate proves to your state’s Department of Motor Vehicles that you have the proper coverage.[2]
Difference between SR-22 and FR-44
An FR-44 is a similar document proving financial responsibility for high-risk drivers, though the two forms have a few key differences. Most states have SR-22 forms, but Florida and Virginia are the only states that use FR-44 certificates instead. Additionally, states may require SR-22s for a host of high-risk driving situations, while FR-44s typically apply for drivers after a DUI conviction.[3]
A final difference between SR-22s and FR-44s is the actual coverage amount you need to have with the form. An SR-22 form doesn’t require you to have additional insurance coverage beyond the state’s minimum-coverage requirements. An FR-44, on the other hand, requires you to have more coverage — double the state’s minimum bodily injury and property damage liability coverage in Virginia and even higher in Florida.
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When you need SR-22 insurance
North Dakota law requires SR-22 car insurance after the following driving violations and convictions:
Driving under the influence conviction
Actual physical control conviction
Driving with a revoked license
Driving with a suspended license when the length of suspension is more than 90 days
A crash when you didn’t have insurance, regardless of fault
A civil judgment resulting from a car accident
Manslaughter using a motor vehicle
Negligent homicide using a motor vehicle
Felony using a motor vehicle
How to get SR-22 insurance in North Dakota
If you already have insurance coverage through a company that offers SR-22 certificates, all you’ll have to do is call your insurance agent or company and request one. They’ll do everything on your behalf, including filing the document with your state.
If your current insurance company doesn’t offer SR-22s, the process is a bit more difficult since you’ll have to sign up for new coverage. Here’s a quick step-by-step guide:
1. Find a list of insurers that offer SR-22 insurance
This will give you a good starting point when you’re ready to get insurance quotes.
2. Get quotes
SR-22 insurance tends to be a bit more expensive, so it’s more important than ever to shop around. Get quotes from at least a few companies.
3. Let your insurer know about your SR-22
When you’re shopping and signing up for coverage, make sure to let your insurer know you’ll need an SR-22 certificate.
4. Sign up for coverage
Once you’ve chosen a company, you can sign up for your policy and your insurer will file your new SR-22 form with your state’s DMV.
How long North Dakota requires SR-22 insurance
If a court order requires you to have an SR-22 certificate, you’ll need to have it on one file for one year from the time the DMV reinstates your driving privileges, from the date the DMV issues you a temporary restricted license, or from the date of the crash in the event of a motor vehicle crash while you were uninsured.
Keep in mind that if you fail to meet the necessary SR-22 requirement, you could end up needing it even longer. For example, failing to meet this requirement could result in losing your license. You could then end up with a conviction for driving with a revoked or suspended license, and you would have to start all over again with your SR-22. It’s a good idea to get the SR-22 when the court orders you to, even if it results in you paying higher insurance premiums.
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How SR-22 insurance affects driving record and future rates in North Dakota
The actual SR-22 certificate may not increase your insurance premiums in the future, but the violations that led to it could. In North Dakota, you generally only need an SR-22 after very serious traffic violations, like driving under the influence, driving without a license, and more. These violations will remain on your driving history for several years and may affect your insurance rates during that time.
The more time passes, and especially as violations fall off your driving record, your past driving mistakes will affect your premiums less. In the meantime, you can take several actions to lower your insurance rates even while you have an SR-22.
Drive safely. Your driving habits may have landed you in your current situation, but they can also get you out of it. Several insurers offer discount telematics programs that track your driving and potentially reward you with a discount if you make safe driving decisions.
Improve your credit. Your credit-based insurance score is an important factor insurers use to calculate your premiums. Improving your credit score could also help lower your insurance rates.
Save with discounts. Most insurance companies offer discounts to help lower your premiums. Look at each insurer’s list of discounts to see which you might qualify for.
Adjust your policy. You can lower your premiums by making certain changes to your policy, such as lowering your coverage limits or increasing your deductible. Just make sure you still have enough coverage in case of an accident.
Shop around. You can find the best rates for your situation by shopping around for quotes from several different insurers. You may not expect how much lower your quotes are from different companies.
North Dakota SR-22 insurance FAQs
If you have more questions about SR 22 car insurance in North Dakota, check out the additional information below.
How do you know if you need an SR-22?
The court or North Dakota Department of Transportation Motor Vehicle Services Division will likely notify you at the time of your conviction that you’ll need an SR-22 form. Some of the most common reasons drivers need an SR-22 include driving under the influence, reckless driving, driving without insurance, or driving without a license.
Are there any fees with SR-22 insurance?
Yes. Many insurers charge an SR-22 filing fee, but it varies depending on where you live. Some insurers wrap this fee into your premiums, while others will require you to pay it separately. Your insurer may or may not charge you additional fees.
How much do car insurance rates increase after filing an SR-22?
The amount your car insurance rates will increase after filing an SR-22 varies depending on the reason you need an SR-22. Many different violations could cause you to have an SR-22 requirement. The more serious the violation, the more you can expect your rates to increase.
How long do you have to hold an SR-22 in North Dakota?
The North Dakota Department of Transportation requires an SR-22 filing period of one year, either from the date the DMV reinstates your driving privileges, from the date the DMV issues you a temporary restricted driver’s license, or from the date of a motor vehicle crash you had while uninsured.
How do you get rid of an SR-22 in North Dakota?
To remove your SR-22 in North Dakota, you can contact your insurance company and let them know you no longer need it. They’ll remove it from your insurance policy and will remove your SR-22 filing with the DMV. But it’s important that you don’t remove your SR-22 until you’re legally able to do so. If you remove it early or your policy lapses, it could result in you losing your license.
What happens to your SR-22 in North Dakota if you move?
If you move within North Dakota, nothing will happen to your SR-22. But if you move to a different state, you’ll need to update it. You’ll still have to maintain your SR-22 certificate in your new state. If your current insurer serves your new state, changing it to your new state is an easier process. But if your current insurer doesn’t offer coverage in your new state, you’ll have to shop for a new SR-22 policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- North Dakota Department of Transportation. "Driver Record Services and Suspensions."
- Progressive. "What is an SR-22?."
- GEICO. "SR-22 & Insurance: What is it and how does it work?."
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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