North Dakota License Reinstatement After Points Suspension
North Dakota requires 25/50/25 liability coverage and is a no-fault state.
Get My Point-Reduction Insurance QuoteNorth 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
After a points-suspension, the North Dakota Department of Transportation Driver and Vehicle Services Division requires proof of current insurance before reinstatement. North Dakota does not require SR-22 filing solely for crossing the points threshold, but specific underlying violations—such as reckless driving, racing, or speed 25+ over—may trigger separate SR-22 requirements lasting three years.
Liability Insurance
Uninsured Motorist Coverage
SR-22 Insurance (if specific violation triggered)
High-Risk Auto Insurance
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
What Affects Your Rate
- North Dakota assigns point values from 2 to 24 per violation—speeding 25+ over carries 8 points, reckless driving carries 8 points, and racing carries 12 points, meaning two serious violations in one year trigger suspension immediately.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance QuoteIf 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
How many points suspend your license in North Dakota?
North Dakota suspends your license at 12 points accumulated within 12 consecutive months. Points are assigned per violation: speeding 1-10 over is 3 points, 11-15 over is 4 points, 16-20 over is 5 points, 21-25 over is 6 points, and 26+ over is 8 points. The 12-month window is a rolling period, not a calendar year.
Does North Dakota require SR-22 after a points suspension?
No, North Dakota does not require SR-22 filing solely for crossing the 12-point threshold. SR-22 is required only if a specific underlying violation triggered it separately—reckless driving, racing, speed 25+ over limit, DUI, or driving uninsured. Your suspension notice from the North Dakota DOT will explicitly state SR-22 if required.
How long do points stay on your North Dakota driving record?
Points remain on your North Dakota driving record for three years from the conviction date, not the violation date. After three years, the points drop off automatically and no longer count toward suspension thresholds. However, the conviction itself remains visible to insurance carriers for five years.
Coverage Types
High-Risk Auto Insurance
Coverage designed for drivers with multiple moving violations or recent suspensions. Written by carriers that specialize in accumulation-risk drivers rather than single-event high-risk.
SR-22 Insurance
Proof-of-insurance certificate filed by your carrier with the state. Required for specific violations, not for points-threshold suspension alone.
Liability Insurance
Covers injury and property damage you cause to others. North Dakota's 25/50/25 minimum is legally sufficient but financially inadequate after serious violations.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance. North Dakota requires carriers to offer it at your liability limit, and rejection must be written.