Estimates, not quotes

SR-22 insurance in Bismarck, ND

What an SR-22 costs in Bismarck, how North Dakota handles the filing, and how long it lasts.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Bismarck

For comparison, a clean-record driver in their 30s pays about $310 for minimum coverage and $1,160 for full coverage in Bismarck by our estimate.

SR-22 insurance — estimated annual premium in Bismarck
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$405$1,440+31%
After an at-fault accident$475$1,705+53%
After a DUI$600$2,165+94%

North Dakota rules that apply

North Dakota uses the SR-22. Your insurer files it electronically with the state; if the policy lapses, the insurer must notify the state, which can suspend your license again. Plan on keeping it for about 1 years. After suspensions for offenses such as DUI or driving without insurance, NDDOT requires SR-22 proof of future financial responsibility for one year.

Any policy you buy must meet North Dakota's minimum of 25/50/25 liability coverage plus PIP and uninsured motorist coverage.

All North Dakota car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Bismarck

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Insurance offices in Bismarck

There are 17 insurance offices listed near Bismarck. See the full list with directions on the Bismarck car insurance page.

  • Kyle J Herman - Farmers Insurance 1022 E Divide Ave
  • Tamie Lynn Schmidt - Farmers Insurance 523 N 4th St
  • Eric Buchholz - American Family Insurance 302 S 9th St
  • Bain Agency
  • State Farm
  • Sherry Morris Agency LLC 535 Airport Rd
  • Pat Stocking - Allstate 1929 N Washington St
  • Roberta Storm - State Farm 116 S Hannifin Street
  • Shane Splonskowski Agency Inc 1830 E Century Ave
  • Christopher Keith Fenster - Farmers Insurance 931 S Washington St
  • Kayla Small Agency & Associates LLC 1929 N Washington St
  • Trenton Schwehr Agency, LLC 1102 S Washington St

Frequently asked questions

How much does SR-22 insurance cost in Bismarck?

The SR-22 filing itself usually costs a small one-time fee; the real cost is the higher premium that follows the violation. We estimate about $600 a year for minimum coverage after a DUI in Bismarck, and $475 after an at-fault accident.

How long do you need an SR-22 in North Dakota?

Typically about 1 years from the date required, but the court or DMV order sets the exact period. After suspensions for offenses such as DUI or driving without insurance, NDDOT requires SR-22 proof of future financial responsibility for one year.

Can I get SR-22 insurance without a car?

Yes. A non-owner policy with an SR-22 filing covers you when you drive borrowed or rented vehicles and satisfies the filing requirement in most states that use SR-22.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page