SR-22 in North Dakota: What You Need to Know

High-risk drivers might need an SR-22 form in North Dakota after an accident or conviction. Drivers who need an SR-22 are required to carry it for one year.
Written by Matt Terzi
Reviewed by Kathleen Flear
High-risk drivers in North Dakota might need an
SR-22 certificate
after an accident or conviction. Drivers who need an SR-22 are required to carry it for at least one year.
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What is an SR-22 in North Dakota?

Although an SR-22 is often referred to as "insurance"—it isn’t actually insurance. Rather, it’s a form your insurer files with the state. It proves to the North Dakota Department of Transportation (DOT) that you carry the required minimum insurance coverage.
In North Dakota, you need to be insured with the following coverage:

Who needs SR-22 insurance in North Dakota?

An SR-22 certificate is required for drivers who have been deemed "high-risk" by the Department of Transportation.
You might be deemed a high-risk driver in North Dakota if you’ve been convicted of the following severe driving violations:
You’ll need to maintain your SR-22 certificate for a period of one full year, starting on the date your driving privileges are reinstated. If you commit another crime, are involved in another crash, or if your
insurance lapses
at any point during this period, the SR-22 period will start over again.
Key Takeaway High-risk drivers who’ve been involved in fatal crashes or have repeatedly broken traffic laws will need to file an SR-22 form.

How do you get coverage for an SR-22 in North Dakota?

SR-22 forms are offered by most insurance companies in North Dakota, though rates will vary from one company to the next. Some companies—maybe even your existing insurer—will refuse some drivers after accidents or convictions.
Your insurance company will fill out and submit your SR-22 document on your behalf, usually for a nominal fee. From there, you simply need to make sure you don’t miss any payments.
Keep in mind that a lapse in your car insurance will start the one-year probation period all over again.

How much does SR-22 insurance cost in North Dakota?

Insurance with an SR-22 requirement is more expensive than regular car insurance. The insurance company will consider you a high-risk driver and will match that added risk with higher rates.
You’ll also need to pay a small filing fee with your insurance company. These fees are usually around $15 to $25, while some companies charge up to $50.
The North Dakota DOT may have other requirements for you as well, such as paying fines or fees or re-upping your car’s registration.
Key Takeaway Insurance with an SR-22 form is more expensive than regular insurance, and there are usually other fees involved as well.

How an SR-22 impacts your insurance in North Dakota

You’ll be obligated to maintain your SR-22 certificate in North Dakota for a period of one full year, starting from the date your driving privileges are reinstated.
It’s important during this period to drive safely and to stay insured.
During this period, you cannot allow your car insurance to lapse. If your car insurance policy is canceled, your one-year SR-22 requirement will start over. This will also happen if you have an accident or rack up more infractions or convictions.
There’s no getting around the fact that an SR-22 certificate is going to result in your insurance rates going up. But you should still shop around and find the best rates available to you. Luckily, you can make shopping for insurance easier with an insurance comparison tool like the
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