Restricted License Insurance
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Restricted License Insurance — North Dakota

North Dakota requires 25/50/25 minimum liability coverage for restricted license holders, with average monthly premiums of $180–$240 after DUI-related suspension. IID installation and monitoring add $75–$150 upfront plus $60–$100 monthly, and the state mandates SR-22 filing for 3 years from reinstatement.

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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 traditional tort liability system and requires proof of financial responsibility before the Department of Transportation will issue or reinstate a driver's license. Restricted licenses following DUI suspension require ignition interlock device installation for the entire restricted period, continuous SR-22 filing, and compliance with route and time restrictions set by the court or DOT hearing officer.

North Dakota cityscape and street view
$25,000 per person / $50,000 per accident
Bodily Injury Liability
Pays medical bills, lost wages, and legal costs when you injure someone in an accident you caused. North Dakota's $25,000 per-person minimum covers less than one week in a trauma unit — a single serious injury can exceed the limit within 48 hours. Restricted license holders should carry $100,000/$300,000 to protect against personal liability exposure after reinstatement.
$25,000 per accident
Property Damage Liability
Covers damage to other vehicles, structures, and property when you are at fault. The $25,000 minimum barely covers totaling one mid-range vehicle — commercial vehicle damage, multi-car accidents, or infrastructure damage can exhaust this limit instantly. North Dakota restricted license holders face elevated risk of policy-limit accidents during the adjustment period to IID operation.
Must be offered; rejection requires written declination
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your claim. North Dakota requires carriers to offer UM/UIM at the same limits as your liability coverage, and the coverage is automatically added unless you reject it in writing at policy inception — verbal rejection does not count. Restricted license holders cannot afford the out-of-pocket medical and repair costs if struck by an uninsured driver during the reinstatement period.
Continuous filing for 3 years
SR-22 Certificate of Financial Responsibility
North Dakota requires SR-22 filing for 3 years following DUI reinstatement, calculated from the date your license is reinstated, not the date of conviction or suspension. The filing is an electronic certificate your insurer submits to the Department of Transportation confirming continuous coverage — any lapse triggers immediate suspension, and you restart the 3-year clock from the new reinstatement date. Non-owner SR-22 policies are available if you do not own a vehicle but need to maintain the filing.
Mandatory for restricted license period
Ignition Interlock Device Requirement
North Dakota mandates IID installation on any vehicle you operate during the restricted license period, typically 6–12 months for a first DUI offense. The device requires a passing breath sample before the engine starts and random rolling retests while driving — failed tests are logged and reported to the Department of Transportation monthly. Installation costs $75–$150, monthly monitoring and calibration fees run $60–$100, and removal after completion adds another $50–$75.
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 restricted license insurance costs reflect combined high-risk driver classification, mandatory SR-22 filing surcharges, and IID monitoring requirements. Carriers writing post-DUI policies in North Dakota include Progressive, The General, National General, and Bristol West — State Farm and GEICO typically decline restricted license applicants until after SR-22 filing ends.

What Affects Your Rate

  • North Dakota assesses a DUI conviction surcharge of 150–300% of base premium for the first 3 years post-reinstatement, declining gradually if no new violations occur.
  • SR-22 filing adds $25–$50 annually in administrative fees on top of the high-risk driver premium — the filing itself is inexpensive, but it flags your policy as post-suspension, preventing access to standard-market carriers.
  • IID monitoring requires monthly calibration appointments at certified service centers — missing a scheduled calibration or attempting to bypass the device triggers immediate DOT notification and restricted license revocation.
  • North Dakota's rural geography concentrates restricted license holders in Fargo, Bismarck, Grand Forks, and Minot, where carrier availability is highest — applicants outside these metros may face limited competition and higher rates.
  • Drivers under 25 with a DUI-related restricted license pay 40–60% more than drivers over 25 in the same situation due to stacked age and violation risk factors.
Minimum Coverage
$180–$240/mo
State-minimum 25/50/25 liability with SR-22 filing. Does not include collision, comprehensive, or UM/UIM coverage. Add $720–$1,200 annually for IID monitoring fees on top of premium.
Standard Coverage
$240–$320/mo
Increased liability limits (50/100/50 or 100/300/100) plus UM/UIM coverage at matching limits. Most restricted license holders benefit from this tier — it closes the gap between North Dakota's low state minimums and actual accident costs during the high-risk reinstatement period.
Full Coverage
$320–$450/mo
Elevated liability limits plus collision and comprehensive coverage with $500 or $1,000 deductible. Required if financing a vehicle. North Dakota's harsh winter weather and rural driving conditions make comprehensive coverage valuable — deer strikes, hail, and ice damage are common and expensive.

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Coverage Types

SR-22 for Restricted License

Electronic certificate filed by your insurer to the North Dakota Department of Transportation confirming continuous coverage meeting state minimums. Required for 3 years from reinstatement date.

Non-Owner SR-22 Insurance

Liability-only policy with SR-22 filing for drivers who do not own a vehicle but need to maintain the filing to prevent license suspension. Covers you when driving borrowed or rental vehicles.

IID Restricted License Coverage

Auto insurance policy covering vehicles equipped with court-ordered ignition interlock devices. Must explicitly list IID-equipped vehicles on the policy to satisfy North Dakota reinstatement requirements.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when struck by a driver with no insurance or insufficient coverage. North Dakota requires carriers to offer UM/UIM at your liability limits unless you reject it in writing.

Comprehensive Coverage

Covers vehicle damage from non-collision events: theft, vandalism, hail, fire, glass breakage, and animal strikes. Required by lenders if financing a vehicle.

Collision Coverage

Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders. Pays your vehicle's actual cash value minus deductible.

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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