Car Insurance After a DUI in North Dakota: Cheapest Companies & Rates (2026)
A DUI in North Dakota increases car insurance rates by an average of 69%, raising a typical full coverage policy from $1,548/year to $2,616/year. That's an increase of $1,068/year ($89/month). Rates typically return to normal after 3-7 years.
DUI Rate Impact in North Dakota
Before DUI
$129/mo
$1,548/year full coverage
After DUI (+69%)
$218/mo
$2,616/year full coverage
Cheapest Companies After DUI in North Dakota
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $161/mo | $1,936/yr | Military families |
| Erie Insurance | $172/mo | $2,067/yr | Rate lock guarantee |
| GEICO | $179/mo | $2,145/yr | Clean driving record |
| Progressive | $192/mo | $2,302/yr | Telematics savings |
| State Farm | $198/mo | $2,381/yr | Good students |
| Travelers | $207/mo | $2,485/yr | Multiple discounts |
| Nationwide | $227/mo | $2,721/yr | Bundling home + auto |
| Farmers | $235/mo | $2,825/yr | Signal telematics |
| Allstate | $244/mo | $2,930/yr | Accident forgiveness |
| Liberty Mutual | $257/mo | $3,087/yr | New car replacement |
Rates based on a 30-year-old driver with one DUI conviction, North Dakota, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in North Dakota
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in North Dakota
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in North Dakota
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $218/mo | +69% |
| Year 1 | $209/mo | +62% |
| Year 2 | $196/mo | +52% |
| Year 3 | $174/mo | +35% |
| Year 5 | $147/mo | +14% |
| Year 7 | $129/mo | Normal |