In North Dakota, the law is clear: Driving without liability insurance is a class B misdemeanor.
Those who are convicted of driving without insurance may have to pay fines up to $5,000, serve jail time and surrender their driver's licenses. Plus, when you do buy car insurance in North Dakota, the policy might be more expensive because you're seen as a higher risk.
Penalties for driving uninsured in North Dakota
In North Dakota, all drivers must have a car insurance policy with at least these state-mandated coverage limits:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage per accident
Before hitting the road, make sure you carry proof of that coverage in the form of an insurance card, a policy binder or an application of insurance with your policy number. Police officers may ask for that proof at traffic stops — and if you're caught without it, here's what you can expect:
Type of penalty
Next offenses within 1 year
|$150 to $1,000||$300 to $5,000|
|Suspended until proof of insurance shown||Suspended until proof of insurance shown|
|N/A||Removal of plates|
License reinstatement fee
|$10 total for retaking the driver's license test; $20 court fee||$10 total for retaking the driver's license test; $20 court fee|
|1 year||1 year|
For your first offense, you can be charged a fine ranging from $150 to $1,000. The state will suspend your license until you purchase an insurance policy.
Second and subsequent offenses
If you violate the law again within a year of your previous conviction, the penalties get more severe. The state may charge a fine of $300–$5,000, set jail time for 30 days and suspend your license indefinitely until you can show proof of insurance in court.
Requirements to reinstate your license
The state will hold on to your license until you go to court and show proof of coverage, satisfy any judgments and pay reinstatement fees. Plus, your insurer will need to file an SR-22 form on your behalf, which might cause your premiums to increase.
There are a few fees involved, too. You'll pay a $50 license reinstatement fee and a $20 court fee, and the state may ask you to re-take a driving knowledge test and a driving skills test, which each cost $5.
Restricted license after suspension for no proof of insurance
When you're reinstating your license, the director of the Department of Transportation may impose certain restrictions.
Depending on the type of SR-22 your insurer filed for you, your newly reinstated license may only be valid to drive the particular vehicle listed/covered on the policy. This kind of policy is usually referred to as the "owner policy," which follows the car and provides coverage for the car owner and whoever drives it with the owner's permission. If you are expecting to drive more than one vehicle, you should purchase an operator policy instead. This covers you if you typically drive other people's cars. When your SR-22 shows that you have an operator policy, there will be no restriction on the reinstated license in terms of vehicles you are allowed to use the license for.
Re-applying for an auto insurance in North Dakota
Standard insurance carriers would normally deny coverage to drivers with a poor driving history, as seen on their driving records. If you are having trouble finding coverage in the voluntary insurance market, you may try reaching out to the North Dakota Automobile Insurance Plan (ND AIP). Insurers licensed in North Dakota have the right to reject high-risk drivers who apply through the voluntary market. The ND AIP will place drivers into North Dakota's residual auto insurance market, where insurers are obligated to provide coverage.