North Dakota Post-Reinstatement Auto Insurance
North Dakota requires 25/50/25 liability coverage and is a no-fault state.
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North Dakota at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in North Dakota
North Dakota operates under a tort liability system, meaning the at-fault driver pays for damages. All drivers must carry proof of insurance and present it at traffic stops or accidents. After reinstatement, the North Dakota Department of Transportation requires SR-22 filing confirmation before issuing driving privileges, and the filing period clock starts the day your carrier submits the form, not the day you pay your first premium.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
What Drivers Pay in North Dakota
$149–$336/mo
Typical monthly rate in North Dakota, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Driving record stacking: If your reinstatement follows multiple violations (DUI plus reckless driving, or points-related suspension plus at-fault accident), carriers stack surcharges and some refuse to quote at all.
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement QuoteIf your license is suspended
Temporary Restricted License (TRL, SFN 2254)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing in North Dakota after a DUI?
North Dakota requires SR-22 filing for 3 years after a DUI conviction, measured from the date your carrier submits the initial filing to the North Dakota Department of Transportation. The filing period does not pause if you switch carriers — continuous coverage must be maintained for the full 36 months or the clock resets when your license is re-suspended.
What happens if my SR-22 policy lapses in North Dakota?
Your carrier notifies the North Dakota Department of Transportation within 10 days of the lapse, and your license is suspended immediately. Reinstatement requires paying a new reinstatement fee, filing a new SR-22, and waiting for processing — typically 7–10 business days. The original SR-22 filing period does not reset, but the gap counts against you and some carriers will not re-write the policy after a lapse.
Can I get standard insurance in North Dakota immediately after reinstatement?
No. State Farm, GEICO, Progressive, and most standard carriers will not write policies for drivers with active SR-22 filing requirements or recent suspensions. You will quote through non-standard carriers like The General, Direct Auto, Acceptance, or Bristol West until your SR-22 period ends and surcharges begin phasing out, typically 3–5 years post-reinstatement.
Does North Dakota require an in-person DMV visit for reinstatement?
North Dakota Department of Transportation does not require an in-person visit for most reinstatements. You submit proof of SR-22 filing, payment of the reinstatement fee, and completion of any required courses online or by mail. Processing takes 7–10 business days, and your new license is mailed once the SR-22 filing is confirmed active.
Can I switch insurance carriers during my SR-22 filing period in North Dakota?
Yes, but there cannot be any gap in coverage. Your new carrier must file an SR-22 with the state before your old policy cancels, or your license is suspended immediately. Most drivers switch carriers at renewal to avoid timing risk — coordinate the effective dates with both carriers and confirm the new SR-22 is active before canceling the old policy.
Coverage Types
Post-Reinstatement SR-22 Insurance
SR-22 filing certifies continuous coverage to the North Dakota Department of Transportation. The filing period runs 1–3 years depending on your original violation, and any lapse triggers immediate re-suspension.
Non-Owner SR-22 Insurance
A liability-only policy for drivers who do not own a vehicle but need SR-22 filing to maintain their license. Covers you when driving borrowed or rental vehicles.
Full Coverage After Reinstatement
Liability, collision, comprehensive, and uninsured motorist protection combined. Required if you have a loan or lease, and recommended if you cannot afford to replace your vehicle out-of-pocket.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers. Non-standard carriers accept SR-22 filings and suspended license reinstatements that standard carriers decline.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when an at-fault driver has no insurance. North Dakota requires this coverage unless you reject it in writing at policy inception.
Standard Coverage Post-SR-22 Period
Once your SR-22 filing period ends and surcharges begin phasing out, you can re-enter the standard insurance market with carriers like State Farm, GEICO, and Progressive.