Official North Dakota Guide

North Dakota SR-22 Insurance

A complete roadmap to satisfying North Dakota NDDOT requirements. Compare rates, understand liability limits, and get your license reinstated today.

Speak to ND Agent

Min. Liability

25/50/25

$25k BI / $50k Total / $25k PD

Mandate Term

1–3 Years

Required based on violation type

Filing Fee

~$15 - $25

One-time administrative cost

How North Dakota SR-22 Filing Works

In North Dakota, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the North Dakota Department of Transportation (NDDOT). It serves as legal evidence that you carry the state-mandated minimum liability insurance (25/50/25) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license by the NDDOT and may reset your filing period.

Compare 20+ North Dakota Providers

Don't call carriers one by one. Use our tool to find agents in your specific Zip Code who specialize in high-risk filings.

Free Service • Instant Results

Who Needs to File in ND?

DUI / APC Conviction: Driving Under the Influence or being in Actual Physical Control of a vehicle while intoxicated.
Uninsured Accident: Being involved in an accident while failing to maintain valid liability insurance.
Point Accumulation: Accumulating 12 or more points on your driving record, resulting in suspension.
Safety Responsibility: Failure to provide proof of financial responsibility following a reportable collision.

Don't Own a Car in North Dakota?

You can still get reinstated! A North Dakota Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the NDDOT requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The ND Reinstatement Timeline

Verify Requirements

Access the NDDOT online portal to confirm your license status and any outstanding requirements or fees.

Secure SR-22

Purchase a policy with 25/50/25 limits. Your insurance carrier will electronically transmit the certificate to the NDDOT in Bismarck.

Pay Reinstatement Fee

Pay the mandatory license restoration fees (ranging from $25 to $100) online or at a local NDDOT driver's license office.

Status Valid

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in North Dakota:

First Offense

Immediate License Suspension

Court Fines

Up to $1,500 + Surcharges

SR-22 Period

Mandatory Filing Clock Resets

Legal Risk

Potential Class B Misdemeanor

Local Agents by City

Find specialized support in your area.

Fargo Bismarck Grand Forks Minot West Fargo Williston Dickinson Mandan Jamestown Wahpeton

North Dakota Filing FAQs

How much is the filing fee in North Dakota?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the NDDOT. This is separate from your monthly premium.

Can I drive out of state with a ND SR-22?

Yes. Your North Dakota SR-22 is valid nationwide. You must maintain the North Dakota-specific limits (25/50/25) to remain compliant with state law.

What is the difference between SR-22 and normal insurance?

An SR-22 is not insurance itself; it is a certificate of financial responsibility attached to your policy that notifies the NDDOT if your coverage lapses.

Can I get a Non-Owner policy in ND?

Yes, North Dakota allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. North Dakota law requires insurers to notify the state immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after the mandate ends?

Once your mandatory period expires, verify with the NDDOT that your requirement is clear. You can then instruct your insurer to remove the SR-22 filing.

Call Now for Quotes