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North Dakota License Reinstatement After Points Suspension

North Dakota suspends your license at 12 points within 12 months. Most points-cause suspensions require paying a $25 reinstatement fee and completing the suspension period, which ranges from 30 to 365 days depending on total points and prior offenses. Your insurance rates will increase significantly—typically 30-60% after multiple moving violations—but coverage remains available through standard carriers.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in North Dakota

North Dakota operates under a traditional tort liability system, requiring all drivers to maintain minimum coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. 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.

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25/50/25
Liability Insurance
Covers injury and property damage you cause to others. North Dakota's 25/50/25 minimum is among the lowest in the nation—$25,000 covers less than half of the average bodily injury claim. After multiple moving violations, carriers may require you to increase liability limits to 50/100/50 or higher as a condition of continued coverage.
25/50/25 (must be offered; rejection requires signed waiver)
Uninsured Motorist Coverage
Protects you if an at-fault driver has no insurance. North Dakota requires carriers to offer UM coverage matching your liability limits, and you must reject it in writing at policy inception—verbal rejection does not count. This matters after a points suspension because uninsured drivers are overrepresented in high-risk areas where violations concentrate.
Matches state minimums
SR-22 Insurance (if specific violation triggered)
An SR-22 is a certificate your carrier files with the state proving you maintain continuous coverage. North Dakota does not require SR-22 for points-threshold suspension alone, but the specific violation that pushed you over—such as reckless driving or racing—may trigger a separate three-year SR-22 requirement. The North Dakota DOT will specify SR-22 in your suspension notice if it applies.
Not required
High-Risk Auto Insurance
Standard carriers in North Dakota typically continue coverage after points suspensions, but they reclassify you as high-risk and increase premiums substantially. If multiple carriers non-renew you due to violation frequency, non-standard carriers like Dairyland, Bristol West, and National General write policies specifically for multi-violation drivers, usually at 40-80% higher premiums than standard rates.
State-Mandated Minimum Coverage · North Dakota

North Dakota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000,000
Bodily Injury (per accident)$50,000,000
Property Damage$25,000,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your North Dakota quote.

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How Much Does Car Insurance Cost in North Dakota?

North Dakota auto insurance rates increase 30-60% after multiple moving violations, with the exact impact depending on violation severity, time between offenses, and your carrier's tier system. A driver with 12 accumulated points typically pays $140-$220 per month for minimum coverage, compared to $85-$115 for a clean record.

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.
  • Carriers apply surcharges for each moving violation on your record, typically 20-30% per offense, with surcharges stacking across multiple violations—three speeding tickets in 18 months can triple your base rate.
  • Fargo and Bismarck drivers see higher rate increases after points suspensions due to higher claim frequency in urban areas—$180-$240/mo typical for minimum coverage compared to $140-$190/mo in rural counties.
  • Completing a defensive driving course approved by the North Dakota Safety Council removes up to 3 points from your record once every three years, which can reduce your premium 10-15% immediately if it drops you below a carrier's tier threshold.
  • Your age and violation type interact—drivers under 25 with multiple speeding violations pay 50-80% more than drivers over 25 with the same point total because carriers classify young multi-violation drivers as the highest-risk category.
  • Most North Dakota carriers offer policy reinstatement without reapplication if you reinstate your license within 90 days of the suspension end date and pay the lapse surcharge, which typically runs $50-$150.
Minimum Coverage
$140–$220/mo
North Dakota's 25/50/25 liability minimum after points suspension. Most carriers require you to maintain this for at least six months before offering standard pricing again.
Standard Coverage
$210–$320/mo
Increases liability to 50/100/50, adds uninsured motorist, and includes collision and comprehensive with $500-$1,000 deductibles. Recommended if you finance a vehicle or drive in higher-risk areas.
Full Coverage
$280–$420/mo
Liability at 100/300/100, UM coverage, collision and comprehensive with lower deductibles, and optional rental reimbursement. Required by most lenders and provides asset protection after your record improves.

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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.

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburban
Bismarck, North Dakota cityscape and street view

Bismarck

suburban
Modern multi-story building complex with curved dome feature and mixed facade colors during golden hour lighting

Grand Forks

urban
Panoramic sunset landscape with pink and purple sky streaks over silhouetted trees and horizon

Minot

urban
Peaceful pond surrounded by marsh grasses with residential houses visible in the background under blue sky

West Fargo

suburban

Frequently Asked Questions

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