Auto Insurance with an SR-22 in North Dakota

The Zebra
Nov. 16, 2018

If you need an SR-22 for auto insurance in North Dakota, you aren't alone. This relatively routine requirement is triggered by a driving violation such as a DUI, a citation for driving with no insurance, an accident with substantial property damage, a ticket for driving with a suspended license, or piling up too many license points.

Finding affordable insurance with an SR-22 in North Dakota might not be easy, but it never hurts to try. We examined how much money a North Dakota SR-22 typically costs and how to go about getting one — let's take a look.


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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 cost of the certificate — filing fees are usually $15 to $35 — but thanks to the insurance rate increases triggered by the driving violation that necessitated the SR-22.

Insurance companies charge high-risk clients more expensive premiums on account of the heightened likelihood of an accident. The rate increase you’ll face will depend on the number and severity of your citations — below are average insurance rates with an SR-22 certificate in North Dakota.


NORTH DAKOTA INSURANCE PREMIUMS BY VIOLATION
High-risk rating factorAverage yearly rateIncrease vs. no citations
No citations$1,230.34
At-fault accident (>$2,000)$1,814.00$583.66
Speeding (21-25 mph > limit)$1,528.05$297.71
Reckless driving$1,999.66$769.32
Racing$2,178.00$947.66
Hit and run$2,056.16$825.82
DUI$1,940.79$710.45

If you’re looking for affordable auto insurance with an SR-22, The Zebra is here to help. Enter your ZIP code below to receive personalized auto insurance quotes from top companies.


How to acquire an SR-22 in North Dakota


For currently insured drivers:

If you currently have auto insurance, requesting an SR-22 is straightforward. Call your insurance company ask them to file an SR-22 request on your behalf. If your current car insurance company won't request a certificate, you should look for a new auto insurance company.

Currently uninsured?

When filing 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 could disqualify you from being insured by some carriers, while others will sell you a policy.

If you don't own a vehicle:

Not owning a vehicle makes it tougher to get an SR-22, as you'll need proof of insurance to get the certificate. If you don't own a car, you should buy a non-owners auto insurance policy before requesting an SR-22. Non-owners car insurance is usually cheaper than a standard policy since it won’t provide protection for material damages sustained by your vehicle.

Methodology and sources

Between September and December 2017, we conducted comprehensive auto insurance pricing analysis via its proprietary quote engine, comprising data from rating systems and public rate filings. The Zebra analyzed nearly 53 million rates to examine trends for car insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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