North Dakota SR-22 Insurance (2026): Only 1 Year — Cost & Cheapest Carriers
North Dakota requires an SR-22 for just 1 year after a DUI, refusal, or driving-under-suspension conviction — one of the shortest SR-22 periods in the country. The clock starts at conviction. The filing fee is small; the premium surcharge is the real cost. Comparing carriers before you commit is the best way to minimize the 12-month obligation.
Compare North Dakota SR-22 quotes in minutes. Rates vary 200%+ between carriers — find the cheapest for your profile.
Get free quotes
North Dakota SR-22 at a glance
| What it is | Certificate your insurer files with the ND Insurance Dept proving you carry minimum liability coverage |
| How long — DUI / refusal / driving under suspension | 1 year from conviction (NDCC 39-16.1-19) — one of the shortest in the country |
| How long — no-insurance conviction | 3 years (separate obligation; NDCC 39-16.1-19) |
| Filing fee | $15–25 (the certificate; the premium surcharge is the real cost) |
| Typical premium, first DUI | ~$110–175/mo vs. ~$50–80 for a clean-record driver |
| Minimum liability limits | 25/50/25 ($25k bodily injury / $50k per crash / $25k property damage) |
| If it lapses | Insurer notifies NDDOT → driving privileges affected → reinstatement required |
How much SR-22 costs in North Dakota
The SR-22 filing fee is only $15–25. The real cost is the premium surcharge — a first-DUI North Dakota driver typically pays $110–175/month for minimum coverage, versus $50–80 with a clean record. At just 1 year, ND’s SR-22 obligation is among the shortest in the country — roughly a third of the 3-year requirement most states impose. Even so, comparing carriers at the start saves money over those 12 months.
Note the two different SR-22 periods in North Dakota. The 1-year SR-22 applies to DUI, refusal, and driving-under-suspension convictions. A separate 3-year SR-22 obligation applies to no-insurance convictions. If you have both on your record, confirm with NDDOT which obligation governs and for how long.
Cheapest SR-22 carriers in North Dakota
| Carrier | Notes |
|---|---|
| State Farm | Often the most competitive standard carrier for a first DUI in North Dakota |
| Progressive Specialty | Strong non-standard market presence; frequently competitive after DUI |
| Allstate | Broad ND availability; competitive for single-offense records |
| Bristol West / Kemper Specialty | Non-standard carriers that routinely write SR-22 policies |
Availability and pricing depend on your driving record, county, and vehicle. Compare multiple carriers before buying.
See your actual rate. Compare ND SR-22 quotes side by side — takes 2 minutes.
Compare quotes
How to file an SR-22 in North Dakota
- Buy a policy from a carrier that writes SR-22s in North Dakota.
- Request the SR-22 filing — most carriers submit electronically to the ND Insurance Dept, often same day.
- Keep the policy active without any lapse for the full 1-year period.
- After 1 year from your conviction date, confirm with NDDOT that the obligation has been satisfied and your record is clear.
Still need your DUI sanction conditions sorted? North Dakota’s primary sanction is the 24/7 Sobriety Program — not an ignition interlock. An IID may be ordered as a discretionary TRL condition. No official approved-vendor list was found; call NDDOT to confirm which vendors are accepted. See North Dakota DUI 24/7 Sobriety Program and interlock guide →
North Dakota SR-22 FAQ
How long do I need SR-22 in North Dakota?
1 year from conviction for a DUI, refusal, or driving-under-suspension offense (NDCC 39-16.1-19). This is one of the shortest SR-22 periods in the country. A separate 3-year obligation applies to no-insurance convictions — if you have both, confirm which governs your situation with NDDOT.
How much does SR-22 raise my insurance in North Dakota?
The filing fee is only $15–25. A first-DUI driver typically pays $110–175/month versus $50–80 for a clean record. At 1 year, the total surcharge exposure is relatively limited compared to most states’ 3-year requirements — but comparing carriers at the start still saves money.
Do I need a car to get an SR-22 in North Dakota?
No. A non-owner SR-22 policy satisfies the filing requirement without owning a vehicle. Compare non-owner SR-22 quotes →
What happens if my SR-22 lapses in North Dakota?
Your insurer notifies NDDOT, your driving privileges are affected, and reinstatement fees apply. Set up autopay and confirm your renewal date — even a single gap affects your privileges and can extend the obligation.
Do I also need an ignition interlock?
It depends on your TRL conditions. North Dakota has no mandatory IID requirement — the primary sanction is the 24/7 Sobriety Program. An IID may be added as a discretionary TRL condition by the NDDOT director. Read your TRL paperwork and confirm with your attorney. See our full North Dakota DUI guide.
Sources:
NDDOT — Driver Record Services;
NDCC 39-16.1-19; 39-06.1-11; 39-08-01.
Last verified August 2026.
Advertising disclosure: We may be compensated when you request quotes through our links. Content is informational only — not insurance or legal advice. Verify SR-22 requirements with NDDOT or a licensed insurance agent.