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.
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 verifies that you have the minimum required liability coverage to legally drive in North Dakota.
High-risk drivers with an SR-22 requirement will face significantly increased car insurance rates, which means it is important for them to shop around to find the most affordable coverage.
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Keep reading to learn more about SR-22 and finding cheap car insurance in North Dakota
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What is an SR-22 in North Dakota?
An SR-22 is a special certificate that 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:
Driving with a suspended or revoked license
Driving without insurance
Being involved in a fatal accident
Repeated traffic offenses
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.
Key Takeaway An SR-22 in North Dakota lasts for one year, but it will be extended further if you commit crimes or let your car insurance lapse.
How to find cheap car insurance
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. And downloading the Jerry
app can help with that. Signing up for Jerry takes less than a minute, and provides you with the best quotes available from up to 50 top insurers. As a licensed insurance broker
, Jerry can take care of all the frustrating paperwork and phone calls that usually go into signing up for new insurance. It can even cancel your old policy for you. The best part is, Jerry users save an average of $879 per year.
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