Driving Without Insurance in North Dakota
Fines, license and registration suspension, and SR-22 requirements for driving uninsured in North Dakota.
Short answer: Driving, or letting someone drive, a vehicle without liability insurance is prohibited. After a violation, the person must file proof of insurance (a certificate from an insurer) with the Department of Transportation for one year or have driving privileges suspended, and must buy a… N.D. Cent. Code §§ 39-08-20, 39-08-20.1
| Driving without insurance | Driving, or letting someone drive, a vehicle without liability insurance is prohibited. After a violation, the person must file proof of insurance (a certificate from an insurer) with the Department of Transportation for one year or have driving privileges suspended, and must buy a duplicate license with a proof-of-insurance notation ($50 fee, plus $50 to remove the notation). For a second or later violation, the court must order the vehicle's plates impounded until the person shows proof of insurance and pays a $20 fee. The court must also order the uninsured driver to pay at least the other person's insurance deductible for damage caused. The chapter section read did not state a fine amount for driving uninsured. |
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| Proof of insurance | When stopped by a law enforcement officer, the driver must provide satisfactory evidence of liability insurance on request; written or electronic proof of insurance is accepted. A driver who cannot show proof may be charged, but is not found in violation if he or she later shows the prosecutor proof of a policy that was in effect at the time. Source: N.D. Cent. Code § 39-08-20(2) |
| SR-22 filing | After a conviction for driving uninsured, a person must keep a certificate of insurance on file with the Department of Transportation for one year. More generally, people convicted of certain motor vehicle offenses or who fail to pay crash judgments must file proof of financial responsibility for the future (certificate of insurance, bond, or deposit). The insurer must notify the department within 10 days after a certified policy is canceled or terminated, and the department suspends the license if other proof is not filed. The requirement can be lifted after one year if no disqualifying conviction is recorded during that year. |
More North Dakota car insurance & vehicle laws
- Minimum Car Insurance in North Dakota
- SR-22 Insurance in North Dakota
- When a Car Is a Total Loss in North Dakota
- Transferring a Car Title in North Dakota
- All North Dakota car insurance & vehicle laws rules
FAQ
What is the penalty for driving without insurance in North Dakota?
Driving, or letting someone drive, a vehicle without liability insurance is prohibited. After a violation, the person must file proof of insurance (a certificate from an insurer) with the Department of Transportation for one year or have driving privileges suspended, and must buy a duplicate license with a proof-of-insurance notation ($50 fee, plus $50 to remove the notation). For a second or later violation, the court must order the vehicle's plates impounded until the person shows proof of insurance and pays a $20 fee. The court must also order the uninsured driver to pay at least the other person's insurance deductible for damage caused.
Can you show proof of car insurance on your phone in North Dakota?
When stopped by a law enforcement officer, the driver must provide satisfactory evidence of liability insurance on request; written or electronic proof of insurance is accepted. A driver who cannot show proof may be charged, but is not found in violation if he or she later shows the prosecutor proof of a policy that was in effect at the time.
When do you need an SR-22 in North Dakota, and for how long?
After a conviction for driving uninsured, a person must keep a certificate of insurance on file with the Department of Transportation for one year. More generally, people convicted of certain motor vehicle offenses or who fail to pay crash judgments must file proof of financial responsibility for the future (certificate of insurance, bond, or deposit). The insurer must notify the department within 10 days after a certified policy is canceled or terminated, and the department suspends the license if other proof is not filed. The requirement can be lifted after one year if no disqualifying conviction is recorded during that year.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.