Cheapest SR-22 insurance in North Dakota

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If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.

It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.

The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.

In North Dakota, Nationwide offers the most affordable SR-22 insurance policies at $986 per year and GEICO at $1,232 per year.

Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.

What is an SR-22?

An SR-22 is a Certificate of Financial Responsibility (CFR) that proves you’ve bought the minimum liability auto insurance your state requires. If you’re considered a high-risk driver due to traffic violations, a DUI/DWI, or other reasons, your state or a court may require you to obtain an SR-22-a certificate filed by your insurance company that proves you carry the minimum required auto insurance coverage.

While it’s not a type of insurance, filing an SR-22 is often mandatory after serious offenses and it can lead to higher insurance premiums due to your increased risk profile.

Key Takeaways

The average cost of SR-22 car insurance in North Dakota is $1,315.
Nationwide offers the most affordable SR-22 insurance policies in North Dakota at $986 per year.
An SR-22 isn’t a separate insurance policy; it’s a form your insurer files to the state DMV on your behalf to confirm you have the required minimum coverage.

Do I need to buy SR-22 insurance in North Dakota?

As previously mentioned, SR-22 is not an insurance policy but a form your insurance company files with your state’s DMV. This form lets the state know that even though you have certain driving offenses on your record, you have at least the minimum required insurance for your situation. The typical filing cost isn’t much – usually around $25.

Examples of offenses that might require an SR-22:

DUI, DWI, or other serious moving violations
Reckless driving
Accidents resulting in suspension or revocation
Accumulation of too many driving violation points
Driving without insurance

If you have any of these on your record, you may need an SR-22. After purchasing an insurance plan that meets your state’s requirements, ask your insurer to file the SR-22 form with the DMV.

You typically must maintain an SR-22 for at least three years. If you don’t, you could risk license suspension.

Average SR-22 car insurance cost in North Dakota

The average SR-22 car insurance cost in North Dakota is $1,315.

North Dakota’s rate is $300 more expensive than SR-22 insurance in the New Hampshire, the cheapest state. However, it’s also $2,726 less than in Michigan, the most expensive state for SR-22 insurance.

However, there are a lot of factors that might affect the cost of SR-22 insurance, such as the reason for the SR-22, your driving history, and the city in which you live.

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Cheapest SR-22 insurance companies in North Dakota

Insurance rates usually increase if you have an SR-22. But not all insurance companies have the same rates for people with an SR-22. The companies listed below have some of the lowest rates available in North Dakota.

Company	Average annual premium	Average monthly premium
Nationwide	$986	$82
GEICO	$1,232	$103
American Family	$1,300	$108
Auto-Owners	$1,332	$111
Progressive	$1,389	$116
State Farm	$1,441	$120
Farmers	$1,477	$123
Allstate	$1,983	$165
USAA*	$694	$58

*USAA is only available to military community members and their families.

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Cheap SR-22 insurance in North Dakota by city

As mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across North Dakota.

City	Average annual premium
West Fargo	$845
Wahpeton	$966
Lidgerwood	$966
Bismarck	$978
Park River	$981
Grafton	$981
Rugby	$1,023
Minot	$1,025
Williston	$1,044
Stanton	$1,051

SR-22 insurance requirements in North Dakota

The North Dakota DMV requires all drivers to have the following minimum car insurance coverage:

$25,000 for injury or death per person
$50,000 for injury or death per accident
$25,000 for property damage per accident

These are just the minimum requirements. Experts recommend getting more coverage than the mandated minimum coverage. Although it may raise your premium, the added coverage could prove highly beneficial.

How much does SR-22 in North Dakota cost with a DUI?

Insurance companies charge different premiums for drivers with a DUI.

Note: In the table below, “filing only” means the cost of a policy that includes the SR-22 filing fee but doesn’t take into account why you need the SR-22.

Company	SR-22 with 1 DUI	SR-22 Filing only
Progressive	$1,507	$1,389
State Farm	$1,545	$1,441
American Family	$1,664	$1,300
Nationwide	$1,960	$986
Farmers	$1,983	$1,477
Auto-Owners	$2,366	$1,332
Allstate	$3,407	$1,983
GEICO	$4,438	$1,232
USAA*	$1,625	$694

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in North Dakota

If you need an SR-22 in North Dakota, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.

First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.

Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Non-owner SR-22 insurance in North Dakota

Some states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.

It’s often a more affordable option than a standard policy since it only covers liability.

Read more about how non-owners car insurance works in North Dakota

Who needs SR-22 insurance?

Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.

For instance, if you have a DUI, the state will require you to prove you have enough insurance to be financially responsible.

Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney with traffic law experience.

How long do you need SR-22 insurance in North Dakota?

You usually need to keep an SR-22 for three years.

During this time, you must have continuous insurance coverage with no lapses. If your policy gets canceled or lapses, your insurer has to inform the state, which could lead to penalties or a suspended license.

The bottom line on SR-22 in North Dakota

North Dakota’s average SR-22 insurance rate is $1,315, compared to the overall average car insurance cost in North Dakota, which is $1,232. That means North Dakota’s SR-22 rate is $83 more per year.

But remember that there are a lot of factors that can affect insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Shouse Law Group. “SR22 North Dakota.” Accessed November 2025.
Progressive Insurance. “What is an SR-22?” Accessed November 2025.

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.