North Dakota DUI and insurance: How much does a DUI raise your insurance?

Does a DUI raise car insurance rates in North Dakota?

North Dakota car insurance averages $1,665 with a clean driving record. However, average car insurance rates after a DUI increase to $3,028, which is $1,363 more.

Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DUIs, average rates dramatically increase to $4,808.

How much does a DUI raise your insurance in North Dakota?

The cheapest insurer after a DUI is American Family, with rates averaging $1,417. The next cheapest insurer is Progressive a difference of $104 from American Family. State Farm has the third-most affordable car insurance rates with a DUI.

Driving under the influence is not only dangerous but also costly. You'll deal with massive fines and higher car insurance premiums for several years. Each insurer evaluates a DUI differently and sets its own rates, so it's important to compare quotes from multiple companies.

This table displays average car insurance rates for a driver with a DUI in North Dakota.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
American Family	$1,092	$1,417	$2,177
Progressive	$1,403	$1,521	$2,076
State Farm	$1,738	$1,837	$1,837
Nationwide	$1,152	$2,373	$3,814
Auto-Owners	$1,717	$2,920	$5,809
Allstate	$2,339	$4,206	$5,688
Farmers	$2,077	$4,226	$6,884
GEICO	$1,773	$4,899	$9,862
USAA	$826	$1,969	$2,277

Read our methodology

PEOPLE ASK:

What happens when you get a DUI in North Dakota?

If you're convicted of a DUI in North Dakota, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for ten years.

If someone gets a DUI in your car, does it go on your insurance?

In most situations, insurance follows the vehicle rather than the driver, so your auto insurance rates won't increase because the DUI will not show up on your driving record.

However, your rates may increase if your vehicle is involved in an accident due to a DUI. Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.

How long does a DUI affect your insurance in North Dakota?

Although a DUI may stay on your driving record permanently, it doesn't impact your insurance rates indefinitely. A DUI influences car insurance in North Dakota and stays on your record for ten years. Your premiums should start to go down after several years of maintaining a clean driving record with no additional violations.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a DUI raise insurance by age group?

Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DUI is $3,235.

Below are the cheapest insurers after a DUI for each age group:

For teens: American Family has the most affordable rate at $3,235.
For young adults: American Family offers the lowest-priced coverage for young adults at $1,576.
For adults: American Family provides the best rate, averaging $1,417.
For seniors: American Family delivers the cheapest average rate at $1,223.

This table illustrates how a DUI affects car insurance rates across different age groups.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
American Family	$2,414	$3,235	$821	34%
Nationwide	$3,347	$4,492	$1,145	34%
State Farm	$4,383	$4,691	$308	7%
Progressive	$6,980	$7,033	$53	1%
Auto-Owners	$3,789	$7,398	$3,609	95%
Allstate	$8,699	$13,067	$4,368	50%
GEICO	$6,724	$15,157	$8,433	125%
Farmers	$7,785	$17,373	$9,588	123%
American Family	$2,414	$3,235	$821	34%
Nationwide	$3,347	$4,492	$1,145	34%
State Farm	$4,383	$4,691	$308	7%
Progressive	$6,980	$7,033	$53	1%
Auto-Owners	$3,789	$7,398	$3,609	95%
Allstate	$8,699	$13,067	$4,368	50%
GEICO	$6,724	$15,157	$8,433	125%
Farmers	$7,785	$17,373	$9,588	123%
USAA	$3,134	$5,117	$1,983	63%
USAA	$3,134	$5,117	$1,983	63%

How much does a DUI raise your insurance in your city?

The most affordable city in North Dakota for car insurance after a DUI is West Fargo, while the most expensive is Stanton, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $3,151. Where you live affects your insurance costs even without a DUI. Drivers in areas with higher traffic or higher rates of vehicle theft pay more because their cars face a greater risk. A DUI then pushes those already high rates even higher.

This table shows average DUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Bismarck	$1,596	$2,939	$1,343	84%
Grafton	$1,639	$2,951	$1,312	80%
Lidgerwood	$1,572	$2,885	$1,313	84%
Minot	$1,598	$2,901	$1,303	82%
Park River	$1,635	$2,946	$1,311	80%
Rugby	$1,719	$3,053	$1,334	78%
Stanton	$1,754	$3,151	$1,397	80%
Wahpeton	$1,547	$2,837	$1,290	83%
West Fargo	$1,378	$2,577	$1,199	87%
Williston	$1,641	$2,994	$1,353	82%
Bismarck	$1,596	$2,939	$1,343	84%
Grafton	$1,639	$2,951	$1,312	80%
Lidgerwood	$1,572	$2,885	$1,313	84%
Minot	$1,598	$2,901	$1,303	82%
Park River	$1,635	$2,946	$1,311	80%
Rugby	$1,719	$3,053	$1,334	78%
Stanton	$1,754	$3,151	$1,397	80%
Wahpeton	$1,547	$2,837	$1,290	83%
West Fargo	$1,378	$2,577	$1,199	87%
Williston	$1,641	$2,994	$1,353	82%

Read our methodology

How to get car insurance after a DUI in North Dakota

Insurers will label you as a high-risk driver after a DUI, but that doesn't mean you can't get car insurance. Finding the best fit after a DUI conviction may require a little work.

If you have car insurance and get a DUI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.

If you need car insurance after a DUI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in North Dakota since each insurer offers different rates after a DUI.

North Dakota DUI insurance requirements and penalties

A DUI in North Dakota means you must meet specific high-risk driver requirements. In North Dakota, this includes obtaining an SR-22. An SR-22 is a form your insurer submits to the state to verify that you carry at least the minimum car insurance required by law. While the SR-22 itself doesn't increase your rates, the offense that led to it does.

A DUI can lead to fines, license suspension, vehicle impoundment and even jail time. Multiple offenses carry even harsher penalties. You may also have to pay attorney fees, towing charges and impound costs.

The table below highlights North Dakota DUI laws and the penalties for both first-time and repeat offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.18	91 days	After 30 days	Discretionary	Yes	No
0.18	91 days	After 30 days	Discretionary	Yes	No

Read our methodology

*BAC is blood alcohol concentration

How long after a DUI does your insurance go down?

A DUI affects car insurance rates for at least three years, although the timeframe varies by state. In some states, like California, a DUI can impact your premiums for as long as 10 years.

In North Dakota, drivers can expect higher car insurance rates after a DUI and expect it to stay on their record for ten years.

Tips to save money after a DUI

A DUI can cost you thousands of dollars in fines, fees and increased insurance premiums. Fortunately, there are still ways to lower your rates afterward.

North Dakota drivers can cut car insurance expenses after a DUI by:

Raising their deductible to reduce monthly premiums
Looking for discounts, such as multi-policy savings or safety feature discounts
Keeping a clean driving record going forward
Completing a defensive driving course
Improving their credit score
Comparing quotes from multiple insurers

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

One and two DUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

North Dakota DUI insurance: Frequently asked questions

How far back do insurance companies look for a DUI?

Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.

Will my insurance drop me after a DUI in North Dakota?

Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.