Auto Insurance with an SR-22 in North Dakota

If you need an SR-22 for auto insurance in North Dakota, you aren't the only one. This relatively common insurance requirement is triggered by a driving violation like a DWI conviction, a citation for driving without insurance, an at-fault crash with substantial property damage, a ticket for driving with a suspended license, or accumulating excessivelicense points.

Finding affordable insurance with a SR-22 in North Dakota might require some effort, but it might be worthwhile. We assessed how much a SR-22 costs in North Dakota and how to request one — let's dive into the details.


How much does an SR-22 cost in North Dakota?

Auto insurance with an SR-22 in North Dakota will probably be expensive. This isn't a direct result of the SR-22 — filing fees are usually $15 to $35 — but thanks to the insurance rate increases initiated by the driving citation that prompted the SR-22.

Insurance companies bill higher-risk clients steeper rates to account for the increased probability of a claim payout. The price increase you could face may depend on the severity and number of infractions — below are typical car insurance premiums for motorists with SR-22s in North Dakota.


NORTH DAKOTA AUTO INSURANCE RATES BY CITATION
High-risk rating factorAverage yearly rateIncrease vs. clean record
No citations$1,379
At-fault collision (>$2,000)$1,830$451
Speeding (21-25 mph > limit)$1,694$315
Reckless driving$2,053$674
Racing$2,134$755
Hit-and-run$2,134$755
DUI$2,011$632

If you'd like to find reasonably priced car insurance coverage with a SR-22 certificate, The Zebra is here to help. Enter your ZIP to receive personalized auto policy quotes from leading insurers.


How to get an SR-22 in North Dakota


Currently insured

If you have an active car insurance policy, obtaining an SR-22 should be simple. Just call your car insurance company and request that the company file a SR-22 request for you. If your insurer refuses to file a request, you should shop around for a new insurance company.

For uninsured drivers

When applying for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 may disqualify you from buying insurance from some carriers, while others would be happy to sell you a policy.

For non-vehicle owners

Not owning a vehicle makes it more difficult to get an SR-22, as you'll need to show proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before requesting a certificate. Non-owners car insurance is usually cheaper than a standard policy since it doesn't insure against material damages sustained by your car.

Methodology

we conducted in-depth pricing analysis using its proprietary insurance quote engine, comprising data from rating platforms and public rate filings. The Zebra assessed almost 53 million premiums to explore trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on car insurance rates.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.