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Non-Owner Car Insurance — North Dakota

North Dakota requires 25/50/25 liability coverage and is a no-fault state.

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North 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

North Dakota Non-Owner Liability Requirements

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.

Bodily Injury Liability

Pays for injuries you cause to others while driving a borrowed, rented, or shared vehicle. A non-owner policy never covers your own injuries or damage to the car you're driving.

Property Damage Liability

Covers damage you cause to another person's vehicle or property. This coverage does not repair the car you're driving—that's the vehicle owner's responsibility.

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.

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.

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.

What Shapes Non-Owner Costs in North Dakota

$29/mo

Typical monthly rate in North Dakota, non-owner policies

Rate data: Insure.com, 2026

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.

A man in a cap, dark hoodie and jeans leans against the rear fender of a pickup truck on a gravel area, looking toward a field and metal gate at sunrise.

Stay Insured Without Owning a Car

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If 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

What does non-owner car insurance cover in North Dakota?

A North Dakota non-owner policy covers bodily injury and property damage liability you cause while driving a borrowed, rented, or shared vehicle, plus the state-mandated PIP and uninsured motorist coverage. It does not cover collision, comprehensive, or any physical damage to the car you're driving, because you own no vehicle. The policy is secondary and sits behind any coverage on the car itself.

Can I get an SR-22 without owning a car in North Dakota?

Yes. North Dakota allows a non-owner SR-22 filing, which proves you carry the state's 25/50/25 liability minimum for one year without owning a vehicle. Carriers that write non-owner SR-22 in North Dakota 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, not the filing date.

Which carriers write non-owner insurance in North Dakota?

Seven carriers write non-owner policies in North Dakota: Bristol West, Farmers, Geico, National General, Progressive, The General, Travelers, and USAA. Of those, all except Travelers also file non-owner SR-22. Carrier availability is limited compared to standard auto insurance, so comparing quotes from multiple non-owner writers is critical.

How long does North Dakota require SR-22 filing?

North Dakota requires SR-22 for one year from the conviction date for a DUI (NDCC 39-08-01), operating while license suspended 91+ days or revoked, any offense requiring revocation, unsatisfied judgment, or crash without insurance. The filing is electronic and must remain active for the full year without lapse.

Does a non-owner policy cover rental cars in North Dakota?

A North Dakota non-owner policy provides secondary liability coverage when you rent a car, sitting behind the rental company's coverage. It does not replace the rental company's collision damage waiver, so you're still responsible for physical damage to the rental unless you purchase the waiver or have a separate credit card benefit.

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

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

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.

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.

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.

West Fargo

suburban