SR-22 insurance in North Dakota
What North Dakota requires after a DUI, a lapse or driving uninsured, how long the filing lasts, what it costs the state, whether a non-owner filing works, and which companies in North Dakota write the policies that carry it, from the state's own pages and the insurance company directory.
North Dakota uses the SR-22 filing. Who needs it: DUI or actual physical control, any revocation, driving while suspended (91+ days) or revoked, a conviction for driving without insurance, unpaid accident judgments, and some uninsured crashes. How long: 1 year (no-insurance conviction or uninsured crash); otherwise release on request after 1 year with a clean record. The insurer files it electronically with the state once the policy is bound; a non-standard auto policy with the filing is often cheaper than people expect. 0 companies write personal auto in North Dakota; the ones used to filings are tagged below.
By Sam Alishahi, independent insurance broker · Every state
What North Dakota requires
From North Dakota Department of Transportation, Driver License Division; sources at the bottom.
| Filing | SR-22 |
|---|---|
| Who needs it | DUI or actual physical control, any revocation, driving while suspended (91+ days) or revoked, a conviction for driving without insurance, unpaid accident judgments, and some uninsured crashes. |
| How long | 1 year (no-insurance conviction or uninsured crash); otherwise release on request after 1 year with a clean record. |
| State fees | Insurer charges not set by the state. Reinstatement: $50 for insurance, points or driving-under-suspension cases; $100 for DUI, refusal or revocation. Insurance-on-file license: $50. |
| Non-owner filing | Accepted. An operator's policy covers you in any vehicle; a vehicle-specific certificate restricts your license to those vehicles. |
| How it's filed | Your North Dakota-authorized insurer files a written or electronic SR-22 with the NDDOT Driver License Division. An insurance card, policy or declarations page is not accepted. |
| If the policy cancels | Your insurer must notify the state within 10 days of cancellation, and your driving privileges will be suspended. Whether the period restarts: not stated by the state. |
| Minimum liability limits | 25/50/25 (bodily injury per person / per accident / property damage) |
| Who handles it | North Dakota Department of Transportation, Driver License Division |
How to get it today
- Send the quote request with the reason for the filing (DUI, lapse, uninsured accident) and the date the state gave you; that goes to the companies above that take it.
- Bind the policy; the insurer sends the SR-22 to the state electronically the same day in most cases.
- Keep the policy paid for the whole period: a cancellation is reported to the state and usually restarts the suspension.
I'm licensed in 48 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida and Washington, where my licenses are still being issued, a partner agency in your state helps in the meantime.
Questions people ask
How long do I need an SR-22 in North Dakota?
1 year (no-insurance conviction or uninsured crash); otherwise release on request after 1 year with a clean record.
Who needs an SR-22 in North Dakota?
DUI or actual physical control, any revocation, driving while suspended (91+ days) or revoked, a conviction for driving without insurance, unpaid accident judgments, and some uninsured crashes.
Can I get a non-owner SR-22 in North Dakota?
Accepted. An operator's policy covers you in any vehicle; a vehicle-specific certificate restricts your license to those vehicles.
What happens if my policy cancels during the SR-22 period?
Your insurer must notify the state within 10 days of cancellation, and your driving privileges will be suspended. Whether the period restarts: not stated by the state.
Sources
- https://www.dot.nd.gov/driver/driver-record-services-and-suspensions
- https://www.dot.nd.gov/driver/driver-license
- https://www.dot.nd.gov/driver/driver-education/driver-license-points-reduction-and-points-schedule
- https://ndlegis.gov/cencode/t39c16-1.pdf
- https://ndlegis.gov/cencode/t39c08.pdf
- https://ndlegis.gov/cencode/t39c16.pdf
Send it once. It gets filed.
A few minutes to request the quote; the companies that file SR-22 answer by email, and the filing goes to the state when you bind.
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.