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North Dakota Work-Restricted License & SR-22 Insurance

North Dakota does not offer a formal employment-specific hardship license program during suspension. Drivers with DUI or other suspensions must serve the full suspension period or qualify for standard reinstatement before resuming any driving, including work commutes. SR-22 filing costs typically add $15–$50 to your policy, with full-coverage premiums averaging $185–$275/mo for suspended drivers.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minimum Coverage Requirements in North Dakota

North Dakota operates under a no-fault insurance system, meaning your own Personal Injury Protection (PIP) coverage pays your medical bills regardless of fault. The state requires all drivers to carry proof of insurance and mandates SR-22 filing for drivers with DUI convictions, repeat violations, or uninsured accidents. The North Dakota Department of Transportation oversees license reinstatement and SR-22 compliance. Unlike many states, North Dakota does not provide an employment-restricted hardship license pathway during active suspension periods, meaning suspended drivers cannot legally drive to work until reinstatement is complete.

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25/50/25
Liability Insurance
North Dakota requires $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. These minimums fall below the cost of most serious accidents. A single hospitalization in Fargo or Bismarck can exceed $50,000, leaving you personally liable for the difference. Drivers with suspended licenses or SR-22 requirements should carry 100/300/100 minimums to protect against judgments that could extend financial consequences for years.
$30,000
Personal Injury Protection (PIP)
North Dakota's no-fault system requires $30,000 in PIP coverage to pay your own medical bills and lost wages after an accident, regardless of who caused it. This covers you and your passengers for medical expenses, funeral costs, and 85% of lost income up to the policy limit. North Dakota's PIP minimum is higher than many states, but a single emergency room visit and follow-up care can consume the entire $30,000 limit, leaving you responsible for additional costs if injuries are severe.
25/50
Uninsured Motorist Coverage
North Dakota requires uninsured motorist coverage matching your liability limits, with a minimum of $25,000 per person and $50,000 per accident for bodily injury. This protects you when hit by a driver with no insurance or a hit-and-run driver who flees the scene. Rural areas of North Dakota see higher rates of uninsured drivers, and winter weather increases accident risk. Drivers with SR-22 filing requirements should increase UM coverage to at least 100/300, as a second accident during the SR-22 period can trigger license revocation.
Varies by violation
SR-22 Filing
SR-22 is not insurance but a certificate your insurer files with the North Dakota Department of Transportation proving you carry at least state-minimum coverage. DUI offenders typically require SR-22 for three years from the conviction date. Your carrier charges a $15–$50 filing fee, and premiums increase 40–80% due to the high-risk classification. If your policy lapses even one day during the SR-22 period, your insurer notifies NDDOT and your license is suspended again, restarting the clock on reinstatement timelines and extending your SR-22 requirement.
State-Mandated Minimum Coverage · North Dakota

North Dakota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your North Dakota quote.

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How Much Does Car Insurance Cost in North Dakota?

North Dakota's combination of no-fault PIP requirements, harsh winter driving conditions, and SR-22 filing status pushes premiums well above national averages for suspended drivers. Fargo and Bismarck see higher rates due to traffic density and collision frequency, while rural areas face elevated comprehensive claims from deer strikes and hail damage.

What Affects Your Rate

  • DUI conviction with SR-22 requirement increases base premiums by 60–90% in North Dakota, with Progressive and National General writing the majority of high-risk policies in the state.
  • Bismarck drivers pay 15–20% more than rural areas due to higher collision frequency and comprehensive claims from parking lot accidents during winter months.
  • North Dakota's no-fault system requires PIP coverage on every policy, adding $40–$70/mo compared to tort states, even for drivers with clean records.
  • Suspended license reinstatement after DUI requires maintaining SR-22 for three full years; a single lapse triggers immediate re-suspension and extends the filing period.
  • Vehicles driven year-round in North Dakota face elevated comprehensive premiums due to hail risk from May through August and deer collision risk in rural counties from October through December.
Minimum Coverage
$110–$165/mo
State-minimum 25/50/25 liability plus required PIP and UM coverage with SR-22 filing. Does not include collision or comprehensive, leaving you unprotected for vehicle damage.
Standard Coverage
$160–$240/mo
100/300/100 liability, required PIP and UM, plus $500 deductible comprehensive to cover hail and animal strikes common in North Dakota. Collision excluded to reduce premium.
Full Coverage
$210–$300/mo
100/300/100 liability, required PIP and UM, $500 deductible collision and comprehensive, and rental reimbursement for the extended repair times North Dakota winters can cause.

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Coverage Types

SR-22 Insurance

Certificate filed by your insurer with NDDOT proving continuous coverage. Required for DUI, repeat violations, and uninsured accidents.

Non-Owner SR-22 Insurance

Liability-only policy for drivers who do not own a vehicle but must maintain SR-22 filing to satisfy reinstatement requirements.

Liability Insurance

Covers injuries and property damage you cause to others. North Dakota's 25/50/25 minimum is the floor, not a safe coverage level.

Comprehensive Coverage

Pays for vehicle damage from hail, deer strikes, theft, and weather events not involving a collision.

Personal Injury Protection

Pays your medical bills and 85% of lost wages regardless of fault. Required on all North Dakota policies at $30,000 minimum.

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburban
Bismarck, North Dakota cityscape and street view

Bismarck

suburban
Modern multi-story building complex with curved dome feature and mixed facade colors during golden hour lighting

Grand Forks

urban
Panoramic sunset landscape with pink and purple sky streaks over silhouetted trees and horizon

Minot

urban
Peaceful pond surrounded by marsh grasses with residential houses visible in the background under blue sky

West Fargo

suburban

Frequently Asked Questions

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