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Car insurance for high-risk drivers in North Dakota

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Repeat at-fault accidents, tickets or a single DUI may cause drivers to have a harder time finding low car insurance rates. In addition, reckless or high-risk driving in North Dakota could lead to your license being suspended, restricted or revoked. North Dakota high-risk auto insurance may be an alternative option when your standard auto insurance is no longer available or affordable.

High-risk car insurance rates in North Dakota

The cost of your North Dakota car insurance depends on your driving record, vehicle and level of coverage, as well as some other various factors. Each carrier has its own risk threshold when pricing your car insurance. Generally, if your driving behavior is deemed high risk, you may be charged higher auto insurance rates. However, your rates may vary drastically by auto insurer. One insurer may provide affordable insurance for a driver with moving violations but increase premiums sharply after an at-fault accident.

Rates after a speeding ticket

Depending on the insurer and the type of ticket received, speeding tickets could increase your auto insurance rates slightly or significantly. Bankrate’s analysis found USAA, American Family and Farmers to be the most affordable carriers on average.

Car insurance company North Dakota average annual premium for full coverage before a speeding ticket North Dakota average annual premium for full coverage after a speeding ticket % difference
USAA $815 $982 21%
American Family $819 $1,626 99%
Farmers $990 $1,366 38%

One way to possibly avoid a premium increase after receiving a speeding ticket is by completing an approved defensive driving course. In North Dakota, you can take an approved course to reduce points off your driving record.

Rates after an accident

An at-fault accident will raise your premiums in most cases; this holds true in North Dakota as well. However, the impact on your auto insurance premiums varies immensely from one auto insurer to the next.

Car insurance company North Dakota average annual premium for full coverage before an accident North Dakota average annual premium for full coverage after an accident % difference
USAA $815 $1,153 41%
American Family $819 $1,918 134%
Farmers $990 $1,446 46%

USAA car insurance may start out as the cheapest coverage, but an at-fault accident could increase your annual premiums by 41%. Meanwhile, American Family’s rates increased 134% after an accident. Finally, Farmers’ rates increased by 46% after an accident.

Rates after a DUI

Driving under the influence is an extremely dangerous risk. Therefore, receiving a DUI conviction increases rates drastically.

Here’s how getting a DUI can impact auto insurance rates in North Dakota.

Car insurance company North Dakota average annual premium for full coverage before a DUI North Dakota average annual premium for full coverage after a DUI % difference
USAA $815 $1,959 140%
American Family $819 $2,052 150%
Farmers $990 $1,415 43%

Drivers convicted of a DUI in North Dakota will also need a certificate of financial responsibility (SR-22) filed with the Department of Motor Vehicles (DMV) to drive legally. Your auto insurer will file this certificate on your behalf. In North Dakota, an SR-22 has to remain active for one year.

Rates for teen drivers

Insurance premiums for parents who add their teens to their North Dakota auto policies are higher than the average cost of car insurance.

Car insurance company Average annual premium for full coverage
USAA $1,938
American Family $2,577
Farmers $1,938

*16-year-old on their parent’s policy

Who is a high-risk driver?

Insurance companies consider drivers with a DUI conviction or more than one accident or moving violation high-risk drivers. High-risk drivers come in all ages and experience levels.

Many states may suspend or revoke your license after accumulating enough points on your driving record. North Dakota could suspend your license after receiving 12 or more points.

How high-risk drivers can lower their insurance rates

High-risk drivers may face limited auto insurer options and costlier premiums. One way to offset increased rates is by finding ways to decrease the cost of coverage:

  • Compare multiple insurers based on your most recent driving history to find the cheapest coverage available to you.
  • Take advantage of as many discounts as possible, such as low mileage, good student or bundle discounts.
  • Complete an approved driver safety course to reduce points off your driving record if possible.
  • Increase your comprehensive and collision deductibles to the highest amount you can afford. However, keep in mind that this means you will pay more out of pocket in a claim situation.

Frequently asked questions

What is an SR-22?

An SR-22 is a form filed by your auto insurer with the DMV on your behalf. It’s a certificate of financial responsibility that confirms you have the minimum amount of car insurance required to drive. In North Dakota, an SR-22 has to remain active for one year.

Do I need extra car insurance if I’m a high-risk driver?

All North Dakota drivers are required to have at least the minimum auto insurance liability limits of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability per accident. North Dakota drivers must also carry uninsured motorist coverage at the same limits as liability, and a minimum of $30,000 in personal injury protection (PIP) coverage.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

High-risk drivers

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor