Best Car Insurance After a DUI in North Dakota (Top 10 Companies for 2024)

The best car insurance after a DUI in North Dakota includes State Farm, AAA, and Erie. State Farm offers the best overall rates at $23/month, balancing affordability and solid coverage. 

AAA stands out for its customer service, while Erie provides competitive pricing and comprehensive policies. These providers excel in offering options for drivers with a DUI, ensuring both reasonable premiums and reliable coverage. Explore further in our article titled “First DUI: What You Should Know.”

Our Top 10 Company Picks: Best Car Insurance After a DUI in North Dakota

Additionally, State Farm’s discounts make it an ideal pick for cost-conscious drivers.  Get the right car insurance at the best price — enter your ZIP code to shop for coverage from the top insurers.

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#1 – State Farm: Top Overall Pick

Pros

• Discount Opportunities: State Farm offers DUI drivers in North Dakota potential discounts for completing defensive driving courses. Explore further in our article titled “State Farm Insurance Review.”
• Strong Financial Stability: State Farm’s solid financial backing provides reliable insurance coverage for North Dakota drivers after a DUI.
• Local Agent Support: DUI drivers in North Dakota can benefit from personalized service through State Farm’s extensive network of local agents.

Cons

• Limited Flexibility on SR-22: State Farm may not be as flexible with SR-22 filings for DUI insurance in North Dakota compared to some other providers.
• Higher DUI Surcharges: Premiums for North Dakota drivers with a DUI can increase significantly with State Farm insurance.

#2 – AAA: Best for Member Benefits

Pros

• Member Discounts: AAA offers competitive discounts for North Dakota DUI drivers who maintain membership, lowering their insurance costs.
• Roadside Assistance: DUI drivers in North Dakota benefit from AAA’s complimentary roadside assistance. Enhance your knowledge by reading our “AAA Insurance Review & Ratings.”
• DUI Insurance Expertise: AAA is well-versed in handling DUI cases, helping North Dakota drivers manage their insurance needs effectively.

Cons

• Membership Requirement: North Dakota drivers with a DUI must maintain AAA membership, which adds an extra annual fee to their insurance costs.
• Limited SR-22 Options: AAA may not provide SR-22 filings in North Dakota, which DUI drivers may need for license reinstatement.

#3 – Erie: Best for Competitive Rates

Pros

• Competitive Rates: Erie offers some of the most competitive DUI insurance rates for North Dakota drivers compared to national averages.
• First Accident Forgiveness: DUI drivers in North Dakota may benefit from Erie’s accident forgiveness, helping to prevent future rate hikes.
• Customizable Coverage: Erie allows DUI drivers in North Dakota to tailor their insurance coverage for better protection. Read more in our “Does Erie Insurance Insurance Cover Rental Reimbursement?“

Cons

• Limited Availability: Erie’s insurance products, including those for DUI drivers in North Dakota, are not as widely available in all areas of the state.
• Online Service Limitations: DUI drivers in North Dakota may find Erie’s online account management options less robust compared to competitors.

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#4 – Amica: Best for Premium Service

Pros

• High Customer Satisfaction: Amica is consistently rated highly for customer satisfaction by DUI drivers in North Dakota who need insurance.
• Dividend Policies: DUI drivers in North Dakota can benefit from Amica’s dividend policies. Explore further with our article entitled “Amica Insurance Review & Ratings.”
• Flexible Coverage Options: Amica provides a wide range of coverage choices, ensuring DUI drivers in North Dakota get customized insurance plans.

Cons

• Higher Premiums for DUIs: Amica’s premiums for DUI insurance in North Dakota tend to be higher than average, even with discounts.
• No SR-22 Filing: Amica does not offer SR-22 filings in North Dakota, which DUI drivers might need to reinstate their licenses.

#5 – Geico: Best for Budget Friendly

Pros

• Affordable DUI Rates: Geico offers some of the most affordable insurance rates for North Dakota drivers with a DUI.
• Efficient SR-22 Filing: North Dakota drivers with a DUI can rely on Geico’s quick and efficient SR-22 filing process. Gain insights by reading our article titled “Geico Auto Insurance Review.”
• User-Friendly Online Tools: DUI drivers in North Dakota can easily manage their insurance policies and claims online with Geico’s robust digital tools.

Cons

• Rate Increases After DUI: Geico can significantly increase insurance rates for North Dakota drivers with a DUI, despite its low base rates.
• Customer Service Variability: Some DUI drivers in North Dakota report inconsistent experiences with Geico’s customer service regarding insurance needs.

#6 – Farmers: Best for Comprehensive Options

Pros

• DUI Discount Programs: Farmers offers discounts for North Dakota DUI drivers who participate in safe driving or DUI prevention programs.
• Comprehensive Coverage Options: DUI drivers in North Dakota can choose from a variety of insurance coverage levels with Farmers.
• Reliable SR-22 Filing: Farmers provides quick and reliable SR-22 filing for North Dakota drivers who need it after a DUI. Explore further details in our “Farmers Insurance Review & Ratings.”

Cons

• High DUI Penalties: Farmers may charge steep premium increases for North Dakota drivers with a DUI on their insurance records.
• Limited Discounts: DUI drivers in North Dakota may find fewer insurance discounts available compared to other companies.

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#7 – American Family: Best for Tailored Plans

Pros

• Specific Coverage: American Family offers tailored insurance plans for North Dakota drivers with a DUI, providing more relevant options. Read more in our “What happens if you get a DUI?“
• Accident Forgiveness: North Dakota drivers with a DUI can benefit from American Family’s accident forgiveness program, avoiding premium hikes after minor accidents.
• Personalized Agent Service: DUI drivers in North Dakota can receive personalized service through American Family’s local insurance agents.

Cons

• High DUI Surcharges: North Dakota DUI drivers may experience significant premium increases with American Family insurance.
• Limited Online Tools: American Family’s digital tools may be lacking for North Dakota drivers who want to manage DUI insurance policies online.

#8 – Liberty Mutual: Best for Custom Coverage

Pros

• Accident Forgiveness: Liberty Mutual offers accident forgiveness for DUI drivers in North Dakota, helping to keep insurance rates stable. Read more in our “Liberty Mutual Insurance Review.”
• Customizable Coverage Options: DUI drivers in North Dakota can tailor their insurance policies with Liberty Mutual to meet their specific needs.
• DUI Driver Discounts: North Dakota drivers with a DUI may qualify for Liberty Mutual’s insurance discounts, helping to lower overall costs.

Cons

• Higher Premiums for DUIs: Liberty Mutual’s insurance rates for DUI drivers in North Dakota tend to be higher compared to other companies.
• Mixed Customer Service Reviews: Some DUI drivers in North Dakota report inconsistent experiences with Liberty Mutual’s customer service regarding their insurance needs.

#9 – Allstate: Best for Discount Variety

Pros

• Multiple Discount Options: Allstate provides DUI drivers in North Dakota with several insurance discount opportunities, including safe driving and bundling discounts.
• Efficient SR-22 Process: North Dakota drivers with a DUI can rely on Allstate’s streamlined SR-22 filing process to meet state requirements.
• Strong Mobile App: Allstate’s mobile app allows DUI drivers in North Dakota to manage their insurance claims and policies easily. Gain deeper insights by exploring our “Allstate Auto Insurance Review.”

Cons

• Steep DUI Premium Increases: Allstate’s insurance premiums can rise sharply for North Dakota drivers after a DUI.
• Limited Agent Availability: DUI drivers in rural areas of North Dakota may have limited access to Allstate’s local agents for personalized insurance service.

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#10 – Progressive: Best for Competitive Pricing

Pros

• Competitive DUI Rates: Progressive offers DUI drivers in North Dakota some of the most competitive insurance rates in the industry.
• Snapshot Program: North Dakota drivers with a DUI can participate in Progressive’s Snapshot program to potentially lower their insurance premiums through safe driving.
• SR-22 Filing Support: Progressive efficiently handles SR-22 filings for North Dakota drivers needing proof of insurance after a DUI. Elevate your knowledge with our “Progressive Insurance Review.”

Cons

• Inconsistent Customer Service: DUI drivers in North Dakota may experience variable customer service quality from Progressive regarding their insurance needs.
• Aggressive Rate Increases: Progressive may impose steep rate hikes for North Dakota drivers after a DUI conviction on their insurance policies.

North Dakota DUI Car Insurance Monthly Rates by Provider & Coverage Level

Finding car insurance after a DUI in North Dakota can be challenging, but understanding your options can help. This guide breaks down monthly rates by provider and coverage level, making it easier for you to compare plans and choose the best coverage for your needs.

North Dakota DUI Car Insurance Monthly Rates by Provider & Coverage Level

 

In conclusion, securing car insurance after a DUI in North Dakota doesn’t have to be overwhelming. By reviewing the monthly rates from various providers, you can identify affordable options that offer the coverage you need.

North Dakota Report Card: Auto Insurance Discounts

Consider the specifics of each policy to find the best fit for your situation and get back on the road with confidence.  Delve into the specifics in our article called “DUI and Future Opportunities: Employment & Education.”

Car Insurance Discounts From the Top Providers After a DUI in North Dakota

Understanding the available discounts can significantly reduce your car insurance costs after a DUI in North Dakota. Here’s a look at discount percentages and programs offered by top insurance providers:

Car Insurance Discounts From the Top Providers After a DUI in North Dakota

These discounts can provide financial relief while helping you maintain the coverage you need as you navigate the challenges of being a DUI driver in North Dakota. For a comprehensive understanding, consult our article titled “DUI Bail and Bonds Overview.”

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Car Insurance After a DUI in North Dakota

A DUI (Driving Under the Influence) conviction in North Dakota can have a significant impact on your car insurance. Insurers view DUI offenders as high-risk drivers, which means they are more likely to charge higher premiums.

If you’ve been convicted of a DUI, it’s important to understand the steps involved in getting or maintaining car insurance, how it affects your rates, and what you can do to minimize the financial burden. Enhance your knowledge by reading our “DUI Probation and Deferred Sentencing.”

Impact of a DUI on Car Insurance Rates

After a DUI in North Dakota, you can expect your car insurance rates to increase considerably. On average, drivers with a DUI may see their premiums double or even triple, depending on the insurance provider. This is because insurance companies calculate risk based on your driving history, and a DUI suggests a higher likelihood of future claims.

Some insurers may even choose to cancel or not renew your policy after a DUI conviction. Read more in our article titled “DUI and Expungement: Clearing Your DUI Record”

SR-22 Requirement

In North Dakota, a DUI conviction typically requires drivers to file an SR-22 form with the state. This form is a certificate of financial responsibility that proves you meet the state’s minimum liability insurance requirements. Most insurance companies will file the SR-22 on your behalf, but there is often an added fee for this service.

Shopping for High-Risk Insurance

If your current insurer cancels your policy after a DUI, or if you’re unable to find affordable coverage, you may need to shop around for high-risk auto insurance.

North Dakota Report Card: Auto Insurance Premiums

Some insurance companies specialize in covering high-risk drivers, but these policies tend to come with higher premiums. When searching for a new policy, it’s crucial to compare quotes from multiple insurers to find the best rate.

Reducing Costs After a DUI

While your car insurance rates will likely increase after a DUI, there are strategies to potentially lower costs over time:

• Take a Defensive Driving Course: Completing a state-approved defensive driving course may help reduce your premiums or earn you a discount with certain insurers.
• Improve Your Credit Score: Many insurance companies use credit scores to help determine rates. Improving your credit score can positively influence your insurance premiums.
• Drive Safely: Avoiding future traffic violations and maintaining a clean driving record will gradually lower your risk profile, which can help reduce your rates over time.
• Look for Discounts: Ask your insurance provider about available discounts, such as those for bundling multiple policies, low-mileage driving, or having safety features on your vehicle.

A DUI in North Dakota can dramatically impact your car insurance rates and may require you to file an SR-22. While the financial repercussions can be severe, it’s possible to minimize long-term costs by shopping around for the best rates and maintaining a clean driving record.  By staying informed and proactive, you can eventually rebuild your insurance standing over time. 

DUI and Minimum Coverage Requirements in North Dakota

In North Dakota, all drivers must carry a minimum amount of car insurance to legally operate a vehicle. After a DUI conviction, maintaining at least the minimum coverage is critical, especially because you’ll likely be required to file an SR-22 form with the state. North Dakota’s minimum insurance coverage requirements are:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident.
• Property Damage Liability: $25,000 per accident.
• Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident.

These limits represent the legal minimum, but depending on the severity of your DUI offense, the court may require higher limits. You may also want to consider increasing your coverage to protect yourself from higher out-of-pocket expenses in the event of a serious accident, especially given your increased risk profile post-DUI. Uncover more by delving into our article entitled “What is the criminal statute of limitations for a DUI/DWI?“

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Duration of DUI Impact on Insurance in North Dakota

A DUI conviction will stay on your driving record in North Dakota for seven years, which means your insurance premiums will likely remain elevated for at least that long. Insurance companies typically look at your driving record for infractions within the past three to five years, but in the case of a DUI, the elevated risk associated with the conviction could affect your rates for the entire duration that the DUI remains on your record.

North Dakota Accidents & Claims per Year by City

Once the DUI is removed from your driving record, you should notice a decrease in your premiums. However, the specific amount of time a DUI impacts your insurance rates can vary by insurance provider. Get a better grasp by checking out our article titled “How long does a DUI stay on your record?”

High-Risk Insurance Providers in North Dakota

Not all insurance companies in North Dakota are willing to provide coverage to drivers with a DUI on their record. If your existing insurer cancels your policy or drastically increases your rates, it may be necessary to find an insurance provider that specializes in covering high-risk drivers. Some well-known companies that often provide high-risk or SR-22 insurance include:

• State Farm: Offers a variety of coverage options for drivers with DUIs, including SR-22 filings. State Farm also provides opportunities to bundle auto insurance with home, renters, or life insurance policies, which can help offset the increased costs resulting from a DUI
• AAA: Offers comprehensive SR-22 filing services for high-risk drivers, including those with DUIs. AAA is known for providing a range of coverage options and discounts, which can help mitigate the impact of higher premiums.
• Erie Insurance: While Erie is known for competitive pricing and personalized service, it may also offer SR-22 filings for high-risk drivers. Erie’s focus on customer service and various coverage options can be beneficial for those looking to regain affordable rates post-DUI.

It’s important to get multiple quotes from different insurers to compare rates, as the cost of coverage can vary widely based on factors like your age, location, and the specifics of your DUI conviction.

This allows you to find the best possible coverage at a rate that fits your budget. Expand your understanding with our article called “What are my legal rights at a DUI checkpoint?“

Reinstating Your Driver’s License After a DUI

In addition to facing higher car insurance premiums, a DUI conviction in North Dakota may also lead to the suspension or revocation of your driver’s license. Reinstating your license after a DUI requires meeting certain conditions, which may include:

• Serving a suspension period (varies based on the severity of the offense and prior DUI convictions).
• Paying reinstatement fees and fines.
• Completing any required alcohol or drug education or treatment programs.
• Providing proof of SR-22 insurance, which verifies that you have the state-mandated minimum insurance coverage.

Once you meet these requirements and your license is reinstated, you’ll still need to maintain continuous SR-22 coverage for the duration specified by the court or state authorities (typically three years). 

5 Most Common Auto Insurance Claims in North Dakota

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Avoiding Future DUIs

After experiencing the financial and legal repercussions of a DUI, it’s essential to take steps to avoid another conviction. Repeated DUIs can lead to even more severe penalties, such as longer license suspensions, mandatory jail time, and exponentially higher insurance costs. Strategies to prevent a future DUI include:

• Using Alternative Transportation: If you plan to drink, arrange for a designated driver, rideshare service, or taxi.
• Understanding Your Limits: Know how alcohol affects your ability to drive, and be mindful of how much you consume.
• Seeking Help: If alcohol or substance abuse is a concern, seek professional assistance to address the issue before it leads to more serious legal and financial consequences.

A DUI conviction in North Dakota can have far-reaching consequences on your car insurance, including higher premiums, the need for SR-22 filings, and potential difficulty finding coverage. While these challenges can be daunting, they are not insurmountable.

By understanding the requirements, shopping for the best insurance options, and committing to safer driving habits, you can navigate the aftermath of a DUI and work toward reducing the financial impact over time. Gain deeper understanding through our article entitled “What defenses are there in a drunk driving case?” See if you’re getting the best deal on car insurance by entering your ZIP code.

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