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North Dakota Work Permit License & SR-22 Insurance

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

Minimum Coverage Requirements in North Dakota

North Dakota operates under a traditional tort liability system. Proof of insurance is required at registration and must be maintained continuously. SR-22 filing is mandatory for work permit licenses issued after DUI, multiple moving violations, driving under suspension, or insurance lapse violations. The North Dakota Department of Transportation processes all work permit applications through administrative review, not hardship hearings.

Bodily Injury Liability

Pays medical bills and lost wages for others you injure in an at-fault accident. North Dakota's 25/50 minimum covers roughly half of the average hospitalization cost in the state. A single moderate injury claim can exhaust the minimum, leaving you personally liable for the remainder. Work permit holders who cause an accident above state minimums risk revocation of the restricted license and extension of the underlying suspension.

Property Damage Liability

Covers damage to another driver's vehicle or property after an at-fault accident. North Dakota courts can garnish wages for uncovered property damage, and the SR-22 filing requirement extends if you fail to satisfy a judgment.

SR-22 Certificate of Financial Responsibility

An SR-22 is not insurance but a filing your carrier submits to the North Dakota Department of Transportation proving you carry at least state minimum liability. The filing is monitored electronically. If your policy lapses or cancels for any reason, the carrier notifies NDDOT immediately and your work permit is revoked within 10 days.

Uninsured Motorist Coverage

Covers your medical bills and lost wages when an at-fault driver has no insurance. North Dakota law requires every carrier to offer uninsured motorist coverage at the same limits as your liability policy. You can reject it, but rejection must be in writing at policy inception. Verbal rejection does not count, and the coverage is added automatically if the rejection form is not completed. Work permit holders with limited income should consider accepting this coverage, as you cannot sue for injuries if the other driver is judgment-proof.

Underinsured Motorist Coverage

Pays the gap when an at-fault driver's liability limits are too low to cover your injuries. North Dakota requires carriers to offer underinsured motorist coverage alongside uninsured motorist. Same written rejection rule applies. If you carry only state minimums and the other driver also carries minimums, a serious injury leaves you uncompensated. Underinsured motorist coverage fills that gap up to your selected limit.

What Drivers Pay in North Dakota

$149–$336/mo

Typical monthly rate in North Dakota, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

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Get Insured for the Drive to Work

Keep Driving to Work

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 is the difference between a work permit and a restricted license in North Dakota?

North Dakota uses the term work permit to describe the same restricted driving privilege called occupational license in other states. The permit allows driving only for approved purposes: work, DUI program attendance, medical appointments, and court-ordered obligations. Approved hours and routes must be listed on the permit application, and driving outside those restrictions results in immediate revocation and extension of the underlying suspension.

How long does SR-22 filing last after getting a North Dakota work permit?

North Dakota requires 3 years of continuous SR-22 filing for most DUI and major violation cases, measured from the date the filing is accepted by NDDOT, not the conviction date. If your policy lapses or cancels at any point during the 3 years, NDDOT revokes your work permit within 10 days and the 3-year clock restarts when you file a new SR-22. There is no early termination for clean driving during the filing period.

What happens if I get pulled over outside my approved work permit hours in North Dakota?

Driving outside your approved hours or routes is treated as driving under suspension. The officer will confiscate your work permit on the spot, issue a new criminal charge for violating permit restrictions, and your underlying suspension is extended by 6–12 months depending on the violation. The SR-22 filing period also extends, and you must reapply for a new work permit after serving the extended suspension.

Which insurance carriers write SR-22 policies for work permits in North Dakota?

Fewer than 10 carriers write SR-22 policies in North Dakota. Non-standard specialists include Dairyland, Direct Auto, GAINSCO, The General, and Progressive's non-standard division. State Farm and GEICO do not write new SR-22 policies for DUI or suspended license cases in North Dakota. Most work permit applicants are placed with Dairyland or Direct Auto, and rural county residents may have access to only 4–5 carriers.

Coverage Types

SR-22 Insurance

Continuous proof-of-insurance filing required by the North Dakota Department of Transportation for work permit licenses. The carrier monitors your policy and notifies NDDOT immediately if coverage lapses.

Non-Owner SR-22

SR-22 liability policy for drivers who do not own a vehicle but need a work permit license to maintain employment. Covers you when driving employer vehicles, rental cars, or borrowed vehicles.

Liability Insurance

Covers bodily injury and property damage you cause to others. Required at 25/50/25 minimums in North Dakota, but minimums cover less than half the cost of a moderate injury accident.

Uninsured Motorist Coverage

Pays your medical bills and lost wages when an at-fault driver has no insurance. North Dakota requires carriers to offer this coverage, and you must reject it in writing or it is added automatically.

Non-Standard Auto Insurance

High-risk auto insurance written by carriers that specialize in SR-22, DUI, suspended license, and work permit cases. Policy terms are stricter and premiums are higher than standard market carriers.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban