North Dakota Auto Insurance and SR-22

If your driver’s license is suspended, you will probably need to get an SR-22 before you will be able to drive legally again. The SR-22 form is issued by your North Dakota car insurance company and filed with the Department of Motor Vehicles (DMV).

Once the form has been filed, your insurance company is legally required to inform the DMV if your policy is cancelled or lapses. The SR-22 will be in force for three years after your license has been reinstated. During that time, if the DMV receives notice that your coverage has lapsed or you are late with a payment, your driver’s license will be suspended. The suspension will be in force even if the lapse is for one day.

If your license is suspended with an SR-22 in force, you will have to pay a fee to get your license reinstated. You will need to get a new SR-22, and the three-year period will start to run again.

Having to have an SR-22 in place means that you are considered a high-risk driver for car insurance purposes. The insurance company you were dealing with at the time your driver’s license was suspended may no longer be willing to extend coverage to you. If you don’t need to start shopping around for a new North Dakota car insurance company, you may be paying higher rates for your coverage.