How to Get Non-Owner SR-22 Insurance in North Dakota

You can get non-owner car insurance if you need an SR-22 in North Dakota but don’t own a car.
Written by Jaya Anandjit
Reviewed by Kathleen Flear
If you need to file an SR-22 to reinstate your license in North Dakota but don’t own a car, you can opt for non-owner SR-22 auto insurance—but only a handful of providers offer this option.
North Dakota requires all drivers to have auto insurance, but you’re typically only required to show
proof of insurance
at the scene of an accident, for vehicle inspections, or at ride check traffic stops. Alas, the burden of proof can be much more stressful for
high-risk drivers
Drivers with major moving violations could require a SR-22 file from the North Dakota Department of Transportation (NDDOT), which proves that they have the required car insurance coverage. You can fulfill your SR-22 requirements by getting non-owner car insurance even if you don't own a vehicle. Here’s how to get yours in North Dakota.
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What is SR-22 insurance?

You may have heard of “SR-22 insurance” or an “SR-22 policy”, but an
isn’t a type of car insurance coverage or policy—it’s a certificate that exemplifies financial responsibility after an individual has engaged in hazardous driving behaviors, resulting in a loss of their driving privileges
In North Dakota, you must request an SR-22 file submission from your insurance provider to the NDDOT. This file will confirm that you’ve purchased North Dakota’s state
minimum liability insurance
on your policy. In addition to a reinstatement fee, you’ll need to file an SR-22 certificate to get your driver’s license back after a moving violation like reckless driving or DUI/DWI.

North Dakota auto insurance requirements

North Dakota state requirements
mandate the following amounts of liability, uninsured motorist, and personal injury protection coverage insurance:  
You can add additional coverage (and you should), but only the minimal liability coverage, uninsured motorist coverage, and personal injury protection are required.

Who needs an SR-22?

Drivers with serious moving violations must file a
n SR-22 certificate in North Dakota
. Commonly, this is the only way to reinstate your license after a suspension, even if you do not have a vehicle to insure. 
Any of the following offenses on your driving record could result in the requirement of an SR-22 in North Dakota: 
Alongside a filing fee, you can also expect a higher insurance rate with an SR-22 requirement.

How to get non-owner SR-22 insurance in Ohio

You can fulfill your SR-22 requirement even if you do not own a vehicle by purchasing non-owner car insurance, AKA the easiest and least expensive option.
Non-owner car insurance
is a type of liability coverage that covers drivers who don’t own the vehicles they regularly drive.
Insurance companies may sell non-owner policies, but it's less likely to find a provider who will process a non-owner insurance policy with an SR-22. In North Dakota, you can find non-owner SR-22 policies from providers like
State Farm
, and
Here’s how to get non-owner SR-22 car insurance: 
  • Contact at least three to five insurance providers and find out if they offer non-owner insurance with an SR-22
  • Compare car insurance quotes
    to find the most affordable rate (regardless of your driving history, comparison shopping can save you money)
  • Ask about insurance discounts that could bring your premiums down (i.e. complete a
    defensive driving course
    pay your bill in full
In North Dakota, drivers are typically required to keep their SR-22 for one year, so you’ll need to maintain your non-owner policy until your SR-22 requirement is done. 
Once that period is up, keeping your non-owner policy active is a good idea if you rent or borrow cars frequently. This way, you can ensure your liability is protected with limits you are comfortable with, even if the vehicle you are using has less desirable liability coverage. 
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In North Dakota, drivers with a record of major moving violations are required to obtain SR-22 certificates. These major violations include DUI/DWI, reckless driving, driving without a license, driving without insurance, or at-fault accidents without insurance.
An SR-22 requirement lasts one year in North Dakota, beginning from the moment you reinstate your driving privileges. It’s crucial that you do not let your car insurance lapse during this period, or you could incur an extra year of an SR-22 requirement.
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