Updated May 2026
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What Affects Rates in Minot
- Ward County logged 10 heavy snow events and 5 blizzards in the last five years, including the April 2022 blizzard that killed a resident near 5th Avenue SW and South Broadway. Carriers writing DUI policies price in elevated collision and comprehensive claims from black ice on Highway 2 and Highway 52, the primary corridors through Minot.
- Fewer than four carriers actively write SR-22 policies for post-DUI drivers in Minot. Progressive and State Farm dominate the market, but both apply surcharges 25–35% above their Fargo rates due to claims history in the region. Non-owner SR-22 policies are available but often require manual underwriting.
- North Hill residents commuting to Minot AFB on Highway 83 face elevated exposure during winter months. Carriers factor in the base commute when pricing policies for post-DUI drivers who declare employment purposes on hardship license applications.
- Hail events struck Ward County 20 times in five years, with significant damage to parked vehicles in downtown Minot near Broadway and Main Street. Comprehensive coverage costs spike for DUI drivers reinstating coverage after impound or sale.
Find out exactly how long SR-22 is required in your state
Coverage Recommendations
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
SR-22 Insurance
Minot carriers charge more for SR-22 filings due to winter claims history and limited underwriting capacity in Ward County.
$185–$310/monthEstimated range only. Not a quote.
Non-Owner SR-22
Common in Minot after DUI impound on Highway 2 or Highway 52, but manual underwriting delays often extend 10–14 days.
$45–$85/monthEstimated range only. Not a quote.
Ignition Interlock Insurance
First-offense DUI drivers in North Dakota must install IID for one year, and Minot's winter temperatures require device winterization service.
$75–$125 install, $75/month monitoringEstimated range only. Not a quote.
Hardship License Insurance
North Dakota allows DUI drivers to apply for hardship privileges 30 days post-conviction, requiring SR-22 and IID before approval.
$185–$310/monthEstimated range only. Not a quote.