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Non-Owner Car Insurance — North Dakota

A North Dakota non-owner policy carries the state's 25/50/25 liability minimum without owning a vehicle, and can file the SR-22 the state requires for one year after a DUI or suspension. PIP and uninsured motorist coverage are required, and the policy sits behind any coverage on the car you're actually driving.

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

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Updated July 2026

North Dakota Non-Owner Liability Requirements

North Dakota requires every non-owner policy to carry at least $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage, plus PIP and uninsured motorist coverage. The state operates under a no-fault system for medical expenses. If you need an SR-22 filing after a DUI, suspended license, or crash without insurance, North Dakota requires the filing for one year measured from the conviction date, not the filing date.

North Dakota cityscape and street view
25/50 minimum
Bodily Injury Liability
Pays for injuries you cause to others while driving a borrowed, rented, or shared vehicle. North Dakota's 25/50 minimum means $25,000 per person and $50,000 per accident. A non-owner policy never covers your own injuries or damage to the car you're driving.
$25,000 minimum
Property Damage Liability
Covers damage you cause to another person's vehicle or property. North Dakota requires $25,000 minimum on every non-owner policy. This coverage does not repair the car you're driving—that's the vehicle owner's responsibility.
Required by state law
Uninsured Motorist Coverage
Protects you when the at-fault driver carries no insurance or insufficient limits. North Dakota mandates uninsured motorist coverage on all policies, including non-owner. This is secondary to any coverage on the car you're driving.
Required by state law
Personal Injury Protection (PIP)
Covers your medical expenses and lost wages regardless of fault, because North Dakota is a no-fault state. Every non-owner policy must include PIP. This does not replace health insurance but pays first for accident-related medical bills.
SR-22 required, 1 year
Non-Owner SR-22 Filing
North Dakota requires an SR-22 filing for one year after a DUI (NDCC 39-08-01), operating while license suspended 91+ days or revoked, any offense requiring revocation, unsatisfied judgment, or crash where no insurance was in effect. Carriers that write non-owner in North Dakota and file SR-22 include Bristol West, Farmers, Geico, National General, Progressive, The General, and USAA. The filing is electronic and the one-year period starts from your conviction date.
State-Mandated Minimum Coverage · North Dakota

North Dakota Minimum Coverage

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

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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What Shapes Non-Owner Costs in North Dakota

Non-owner premiums in North Dakota depend on your driving record, whether you need an SR-22 filing, and the coverage limits you select above the state minimum. Carriers that write non-owner policies here include Bristol West, Farmers, Geico, National General, Progressive, The General, Travelers, and USAA—but only a subset of those will file a non-owner SR-22.

What Affects Your Rate

  • SR-22 filing requirement: North Dakota mandates a one-year filing for DUI, suspension 91+ days, revocation, unsatisfied judgment, or crash without insurance. The filing itself carries a carrier processing fee, and the underlying violation raises liability rates.
  • Driving record: A clean record qualifies for standard non-owner rates; violations, at-fault crashes, or lapses in coverage move you to non-standard pricing with carriers like Bristol West or The General.
  • Coverage limits above the minimum: North Dakota's 25/50/25 minimum is the floor. Selecting higher bodily-injury or property-damage limits raises the premium but increases protection when you're at fault.
  • PIP and uninsured motorist requirements: North Dakota mandates both coverages on every policy, including non-owner. These add to the base liability premium but are not optional.
  • Carrier availability: Only seven carriers write non-owner policies in North Dakota, and only Bristol West, Farmers, Geico, National General, Progressive, The General, and USAA file non-owner SR-22. Limited carrier competition can constrain rate options.
  • Continuous coverage history: A lapse in coverage signals higher risk to underwriters. Maintaining a non-owner policy between cars avoids the lapse penalty and keeps future rates lower.
Non-Owner Liability Only
25/50/25 min
For drivers between cars or regularly borrowing vehicles, with no violations and no SR-22 requirement. Rates reflect liability-only coverage with North Dakota's mandatory add-ons.
Non-Owner With SR-22
1-year filing
For drivers who need an SR-22 but own no vehicle. The filing period is one year in North Dakota, and only carriers flagged for non-owner SR-22 writing will issue the policy.
Non-Owner After Major Violation
DUI or revoke
For drivers with a DUI (NDCC 39-08-01), revoked license, or unsatisfied judgment. North Dakota requires SR-22 for one year, and non-standard carriers like Bristol West, National General, and The General specialize in this segment.

Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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Coverage Types

Non-Owner Liability Insurance

Covers bodily injury and property damage you cause while driving a car you don't own. This is the core of a non-owner policy and the only coverage type it provides for the vehicle itself.

Uninsured Motorist Coverage

Protects you when the at-fault driver carries no insurance or insufficient limits. North Dakota mandates this coverage on all policies, including non-owner.

Non-Owner SR-22 Insurance

A non-owner policy that includes the SR-22 certificate North Dakota requires after a DUI, suspension, revocation, or crash without insurance. The filing proves continuous liability coverage for one year.

Non-Standard Auto Insurance

Coverage for drivers with violations, lapses, or SR-22 requirements who don't qualify for standard rates. Non-standard carriers specialize in high-risk profiles and non-owner SR-22 filings.

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburbanNon-owner rates in Fargo reflect the state's mandatory PIP and uninsured motorist requirements, with SR-22 filings adding carrier processing fees and elevated underwriting risk.

Fargo's 10.6% uninsured motorist rate and harsh winter driving conditions make uninsured motorist coverage particularly valuable for non-owner drivers borrowing vehicles in the metro area.

Bismarck, North Dakota cityscape and street view

Bismarck

suburbanNon-owner policies in Bismarck carry the state's 25/50/25 minimum plus mandatory PIP and UM, with SR-22 filers paying elevated rates due to the underlying violation.

Bismarck drivers face North Dakota's 1.07 traffic fatalities per 100 million vehicle miles traveled, and 36% of those fatalities involve alcohol impairment, which drives SR-22 filing volume in the capital region.

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Grand Forks

urbanNon-owner rates in Grand Forks are shaped by the state's no-fault system and the limited number of carriers writing non-owner policies in North Dakota.

Grand Forks sits near the Minnesota border, and non-owner drivers who cross state lines regularly should verify their North Dakota policy extends coverage into neighboring states.

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Minot

urbanNon-owner policies in Minot reflect the state's mandatory PIP and UM requirements, with SR-22 filings available through Bristol West, Farmers, Geico, National General, Progressive, The General, and USAA.

Minot's rural location and harsh winter weather contribute to North Dakota's 80.6% seat-belt use rate, one of the lower rates nationally, which underscores the importance of uninsured motorist coverage for non-owner drivers.

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West Fargo

suburban

Frequently Asked Questions

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