SR-22 Insurance in North Dakota

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.

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.