Non-Owner SR-22 Suspended
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Non-Owner SR-22 Insurance in 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 tort-based liability system and requires continuous proof of insurance for all licensed drivers, including those without vehicles. The North Dakota Department of Transportation requires SR-22 filing after license suspensions for DUI, uninsured accidents, multiple violations, or refusal to test. Filing duration is typically 3 years from the reinstatement date, not the violation date. Non-owner SR-22 satisfies the state filing requirement without listing a specific vehicle.

Bodily Injury Liability

Covers medical bills, lost wages, and legal costs when you injure someone in an at-fault accident. Non-owner policies provide this coverage when you drive someone else's vehicle with permission, but do not cover vehicles you own or regularly use.

Property Damage Liability

Pays for damage you cause to another person's vehicle or property. Non-owner SR-22 policies include this coverage but exclude any vehicle registered in your name.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. North Dakota law requires carriers to offer this coverage at the same limits as your liability policy. Rejection must be made in writing at policy inception. Non-owner policies include UM coverage when you're driving a borrowed vehicle, but not when you're a passenger in a vehicle you own.

SR-22 Certificate Filing

The SR-22 is not insurance but a certificate your carrier files electronically with the North Dakota Department of Transportation proving you carry minimum liability coverage. Any lapse triggers automatic license re-suspension. The filing must remain active for the full required period, typically 3 years for DUI and major violations.

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

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Cover Your Filing Before You Own a Car Again

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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

Does non-owner SR-22 satisfy North Dakota's license reinstatement requirement?

Yes. North Dakota accepts non-owner SR-22 filing as proof of financial responsibility for suspended drivers who do not own a vehicle. The carrier files Form SR-22 electronically with the North Dakota Department of Transportation, which satisfies the reinstatement requirement. The filing must remain active continuously for the full required period, typically 3 years.

What happens if I buy a car during my North Dakota SR-22 filing period?

You must notify the North Dakota Department of Transportation within 10 days of purchasing or registering a vehicle during an active SR-22 filing period. Non-owner SR-22 does not cover vehicles you own. You must either convert to an owner SR-22 policy listing the new vehicle or maintain both non-owner SR-22 and a separate owner policy with SR-22 filing.

Does non-owner SR-22 cover me when driving my spouse's car in North Dakota?

No. Non-owner SR-22 policies exclude vehicles registered to anyone in your household, including spouses, parents, or roommates. If you regularly drive a household member's vehicle, that vehicle must be added to an owner SR-22 policy or the household member's policy must list you as a driver.

Can I drop non-owner SR-22 coverage before the 3-year filing period ends in North Dakota?

Dropping coverage or allowing the policy to lapse before the required filing period ends triggers automatic license re-suspension in North Dakota. The carrier must notify the Department of Transportation within 10 days of cancellation. You must maintain continuous SR-22 filing for the full duration specified in your reinstatement notice.

Which carriers write non-owner SR-22 policies in North Dakota?

Progressive, The General, Dairyland, National General, and Bristol West write non-owner SR-22 policies in North Dakota. Not all carriers offer non-owner coverage, and availability varies by filing cause. Drivers with DUI or multiple violations typically work with non-standard carriers specializing in high-risk filings.

Does non-owner SR-22 in North Dakota cover rental cars?

No. Non-owner SR-22 policies typically exclude rental vehicles. When renting a car in North Dakota, you must purchase the rental company's liability coverage or use credit card rental car protection. Non-owner policies cover only borrowed personal vehicles driven with the owner's permission.

Coverage Types

Non-Owner SR-22 Filing

Liability-only policy that satisfies North Dakota's SR-22 requirement without listing a specific vehicle. Covers you when driving borrowed cars but excludes vehicles you own or regularly use.

Occasional Driver Coverage

Provides liability protection when you drive a friend's or family member's vehicle with permission. Does not cover rental cars, which require separate rental car insurance or credit card coverage.

Uninsured Motorist Protection

Pays your medical bills and lost wages when hit by a driver with no insurance or insufficient coverage. North Dakota carriers must offer this at the same limits as your liability coverage.

Converting to Owner SR-22

If you acquire a vehicle during the filing period, you must convert to an owner SR-22 policy listing that vehicle or stack non-owner and owner policies to maintain continuous filing.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban