North Dakota SR22 INSURANCE
NORTH DAKOTA SR22 INSURANCE
The state of North Dakota requires uninsured drivers, drivers who have lost their licenses due to repeated violations, and drivers convicted of a DUI to file an SR22 certificate with the DMV. North Dakota SR22 insurance provides proof that the driver has obtained the minimum amount of liability insurance coverage required by the state. Our team at SR-22 Insurance finds drivers the lowest rates for the required coverage to get them back on the road.
- Who Needs SR-22 Insurance in North Dakota?
- How much does an SR-22 cost in North Dakota?
- How do I file an SR-22 in North Dakota?
- How long will I need an SR-22 in North Dakota?
- What if I don’t own a car?
- Non Owner SR22 Insurance in North Dakota
- What happens when I don’t need SR-22 coverage anymore?
Who Needs SR-22 Insurance in North Dakota?
Naturally, in the event that you require an SR-22 to drive in North Dakota, you would be informed by the local DMV. Under the state’s laws, the following situations necessitate the filing of an SR-22:
- A conviction for driving under the influence.
- Driving without a valid license
- Involvement in a death caused by a motor accident
- A felony in which a motor vehicle is involved
- Involvement in a car accident without insurance
How much does an SR-22 cost in North Dakota?
If you have a current auto insurance policy, the cost to add an SR-22 is approximately $25-50 depending on the insurance company. If you need SR-22 insurance, your car insurance rates will likely increase significantly. When you’re required to have an SR22, you get placed into the category of a high-risk or non-standard driver. High-risk drivers tend to pay the highest car insurance rates, but the cost of car insurance can vary by company and by state. There are many other factors that go into the cost of SR-22 insurance such as your age, gender, location, credit score, vehicle type, marital status and so on.
One of the most common reasons drivers need SR-22 insurance is because of a DUI conviction. On average, drivers with one DUI conviction in North Dakota pay $1,968 per year for car insurance. That’s 71.5 percent more than car insurance for a driver with a clean driving record.
How do I file an SR-22 in North Dakota?
The process of filing the SR-22 in North Dakota is a relatively simple one. You could use the following steps as a guide of sorts.
- If you do not have a car insurance policy, find one that would be open to insuring you despite the requirement of an SR-22 filing.
- If you have an insurer already, notify them of your need to file the form. Most of the insurance providers in North Dakota would be open to filing the SR-22 on your behalf.
- You are to pay your car insurance provider a processing fee of around $20-$50 for filing the form on your behalf.
While picking out a suitable policy with your provider, make sure that the policy covers the state-mandated minimum liability coverage of $25,000 per person or $50,000 per accident for bodily injury; a property liability coverage of $25,000 per accident; uninsured or underinsured motorist of coverage of $25,000 per person or $50,000 per accident; and a basic no-fault insurance covering $30,000 per person.
- Have your insurance provider submit the filing for you and be sure to verify that the SR-22 has been filed before getting back behind the wheel.
How long will I need an SR-22 in North Dakota?
In North Dakota, you’re required to maintain an SR-22 for one year from:
- The date your driving privileges are reinstated.
- The date a temporary restricted license is issued to you.
- The date of the motor vehicle accident in which there was no insurance in effect at the time of the accident.
Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could set you back significant money and time, possibly resetting the time you’re required to carry one.
What if I don’t own a car?
For the state to reinstate your license, regardless of whether you own a car or not, you’re likely required to file an SR-22. In this case, you’d purchase a non-owner or operator insurance policy.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
Non Owner SR22 Insurance in North Dakota
Non-owner SR22 insurance in North Dakota is a guarantee of financial responsibility. In this case, it means that you carry the state minimum liability insurance coverage when operating any vehicle. You’ll have to keep your policy in force the entire time of your suspension to avoid a repeat suspension. If you miss even one payment or the policy lapses for any reason, an SR26 form is filed with the state. This cancels the SR22, and the DMV will suspend your driver’s license again.
North Dakota non owner SR22 insurance insures you, rather than a vehicle. It is secondary to a vehicle owner’s insurance. If you’re at fault in an accident when driving a borrowed vehicle, non owner insurance covers claims that exceed the vehicle owner’s insurance coverage.
If you don’t currently carry non owner insurance and the state requires you to file a financial responsibility form, your insurance agent will write a non owner insurance policy for you, attach the SR22 and file it with the North Dakota Department of Transportation (NDDOT).
What happens when I don’t need SR-22 coverage anymore?
Once you’re able to fulfill the year of continuous coverage, you’ll be able to change your policy without having to worry about your license being suspended. Simply contact the North Dakota Department of Transportation to confirm that the mandated filing period is over to prevent any additional frustration.
If your license was suspended or revoked due to a drunk driving conviction, you might be eligible for reinstatement with the filing of an SR22 certificate of insurance. No matter what the circumstances of your license suspension, our leading SR22 experts can help you get your driving privileges reinstated. Connect with us today! https://sr22insurance.net/