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Restricted License Insurance — North Dakota

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

$50

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified 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.

Bodily Injury Liability

Pays medical bills, lost wages, and legal costs when you injure someone in an accident you caused.

Property Damage Liability

Covers damage to other vehicles, structures, and property when you are at fault. North Dakota restricted license holders face elevated risk of policy-limit accidents during the adjustment period to IID operation.

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.

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.

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.

What Drivers Pay in North Dakota

$149–$336/mo

Typical monthly rate in North Dakota, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • 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.
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Get Insured on Your Restricted License

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If your license is suspended

Temporary Restricted License (TRL, SFN 2254)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

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

Frequently Asked Questions

How long does North Dakota require SR-22 filing after a DUI?

North Dakota requires SR-22 filing for 3 years from the date your restricted license is reinstated, not from the date of your DUI conviction. If your license was suspended for 12 months and you wait 6 months after eligibility to apply for reinstatement, the 3-year SR-22 clock does not start until the Department of Transportation issues your restricted license. Any lapse in coverage during the 3-year period triggers immediate suspension and restarts the filing requirement from zero.

Can I get a restricted license in North Dakota without installing an ignition interlock device?

No. North Dakota mandates ignition interlock device installation on every vehicle you operate during the restricted license period following DUI suspension. The device must remain installed for the full restricted period — typically 6 months for a first offense, 12 months for a second offense within 7 years. You must provide proof of IID installation from a certified provider before the Department of Transportation will approve your restricted license application.

What are the route restrictions on a North Dakota restricted license?

North Dakota restricted licenses typically limit driving to work, school, medical appointments, court-ordered programs, and IID calibration appointments. The court or Department of Transportation hearing officer sets specific approved routes and hours on your restricted license order — driving outside approved purposes or times is a Class B misdemeanor and results in immediate revocation. Keep a copy of your restricted license order in the vehicle at all times.

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

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban