North Dakota SR-22 and car insurance quotes
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No car? Many drivers file their SR-22 with a non-owner policy. Ask the agent about a non-owner SR-22. Non-owner car insurance →Yes, RealAgentQuotes covers ALL of North Dakota
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How SR-22 works in North Dakota
An SR-22 isn't a type of insurance. It's a certificate from your insurance company, kept on file with the Drivers License Division of the North Dakota Department of Transportation (NDDOT), to prove you carry at least the state minimum coverage. North Dakota usually requires one after a DUI or actual physical control (APC) conviction, a refused chemical test or another revocation, a conviction for driving while your license was suspended for more than 90 days or revoked, a conviction for driving without insurance, or a crash without insurance. You typically keep it for 1 year.
- Your insurance company provides the SR-22, and it goes to the NDDOT Drivers License Division by email or fax. Insurance cards and declarations pages don't count
- Keep the policy active the whole time. If it ends, your insurer has to tell NDDOT within 10 days, and your license can be suspended until a new SR-22 is on file
- A licensed agent can quote it today and explain your options
North Dakota minimum car insurance
North Dakota requires at least $25,000 for injuries per person, $50,000 per accident and $25,000 for property damage, often written as 25/50/25. You also need uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident, and $30,000 of basic no-fault (personal injury protection) per person. Your SR-22 policy has to meet at least these limits.
No car? Non-owner SR-22 in North Dakota
If you don't own a car, North Dakota law allows an operator's (non-owner) policy, which covers your liability when you drive a car you don't own. If your SR-22 covers only certain vehicles, NDDOT can limit your license to those vehicles. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across North Dakota
We help drivers anywhere in North Dakota. These cities have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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North Dakota SR-22 questions
Who needs an SR-22 in North Dakota?
NDDOT usually requires one after a DUI or actual physical control (APC) conviction, a refused chemical test or another revocation, or a conviction for driving while your license was suspended for more than 90 days or revoked. A conviction for driving without insurance, a crash without insurance and an unpaid crash judgment can also require one. If you aren't sure, ask the NDDOT Drivers License Division or a licensed agent.
How long do I need an SR-22 in North Dakota?
Typically 1 year. After a DUI or APC it usually counts from the date your license is reinstated or a temporary restricted license is issued. After a no-insurance conviction it counts from the date NDDOT receives your SR-22. If you aren't sure of your dates, ask the NDDOT Drivers License Division.
What happens if my SR-22 lapses in North Dakota?
Your insurer has to tell NDDOT within 10 days after the policy ends, and NDDOT can suspend your license until a new SR-22 is on file. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in North Dakota without a car?
Yes. North Dakota law allows an operator's (non-owner) policy for drivers who don't own a vehicle. A licensed agent can quote one.
Sources: North Dakota Insurance Department: auto insurance and SR-22 · North Dakota Century Code 39-16.1: proof of financial responsibility and minimum limits
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