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North Dakota Insurance After a DUI or Violation

North Dakota requires 25/50/25 liability coverage and is a no-fault state.

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North Dakota at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

70

Age when license renewal rules change, with a vision test at renewal

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in North Dakota

After a DUI or serious violation in North Dakota, your current insurance company will typically send a non-renewal notice rather than an immediate cancellation — giving you until your policy expires to find replacement coverage. The North Dakota Department of Transportation typically requires SR-22 filing for 3 years following DUI convictions, multiple serious violations, or driving without insurance. During this period, you must maintain continuous coverage with a carrier willing to file SR-22 on your behalf, and any lapse restarts the clock.

SR-22 Certificate Filing

SR-22 is not a type of insurance — it is a certificate your insurer files with the state proving you carry the required minimum liability coverage. The filing requirement typically lasts 3 years in North Dakota, and any gap in coverage during this period resets the entire timeline.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record. After a violation, standard carriers like State Farm or Allstate typically either decline renewal or offer rates 2–3 times higher than non-standard specialists. For senior drivers, non-standard carriers may also impose higher liability limits or decline drivers over age 75 with recent DUI convictions.

Liability Insurance

After a violation, senior drivers should evaluate whether to carry higher limits (50/100/50 or 100/300/100) to protect assets accumulated over a lifetime, even though premiums will be significantly higher than pre-violation rates.

Uninsured Motorist Coverage

Uninsured motorist coverage protects you when the at-fault driver has no insurance or insufficient coverage. For senior drivers on fixed incomes, this coverage is critical — medical costs from an accident can exceed Social Security and retirement savings, and North Dakota's uninsured driver rate means you cannot rely on the other party's insurance to cover your hospital bills.

Comprehensive and Collision Coverage

For senior drivers with vehicles worth more or financed, lenders require both coverages regardless of your driving record.

What Drivers Pay in North Dakota

$111–$148/mo

Typical monthly rate in North Dakota, drivers 65 and over

Rate data: MoneyGeek and Insure.com, 2026

What Affects Your Rate

  • Age and driving history — senior drivers over 70 with violations face additional surcharges or coverage denials from some carriers
  • Time since violation — rates begin decreasing after 3 years and return closer to standard after 5 years if no additional violations occur
  • Carrier specialization — non-standard carriers like The General, National General, and Dairyland often offer lower rates than standard carriers for senior drivers with recent violations
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Put These Answers to Work on Your Rate

Compare Auto Rates for Senior Drivers

Mature-driver discount

Required by state law

N.D.C.C. 26.1-25-04.1 (age-neutral, appropriate reduction, no fixed %)

Source: state statutes and insurance departments, verified July 2026

Coverage Types

High-Risk Auto Insurance

Coverage designed for drivers with DUIs, suspensions, or multiple violations who cannot obtain standard insurance. Carriers evaluate your entire driving history and tailor premiums to your specific risk profile.

Non-Standard Auto Insurance

Insurance sold by carriers specializing in drivers who do not qualify for standard rates due to violations, lapses, or age combined with recent infractions.

SR-22 Insurance

A certificate filed by your insurer proving you carry minimum liability coverage. Required after DUI convictions, uninsured driving, or serious violations in North Dakota.

Liability Insurance

Coverage that pays for injuries and property damage you cause to others. After a violation, senior drivers should evaluate whether to carry limits beyond the state minimum to protect retirement savings and home equity.

Uninsured Motorist Coverage

Protection when the at-fault driver has no insurance or insufficient coverage to pay your medical bills and vehicle damage. Critical for senior drivers on fixed incomes.

Full Coverage Auto Insurance

Liability, comprehensive, and collision coverage combined. Required if you have a loan or lease; optional if your paid-off vehicle is worth more than you can afford to replace after a violation rate increase.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban