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North Dakota Auto Insurance Rates & Requirements

North Dakota requires 25/50/25 minimum liability coverage, and drivers pay an average of $110–$145/month for minimum coverage. The state operates under a traditional tort system and mandates electronic proof of insurance through ND DOT.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

North Dakota operates as a traditional tort state where at-fault drivers are financially responsible for damages. All drivers must carry proof of insurance registered with the North Dakota Department of Transportation electronic verification system. The state uniquely requires uninsured motorist coverage at the same limits as liability, making it one of few states with mandatory UM protection.

North Dakota cityscape and street view
$25,000 per person / $50,000 per accident
Bodily Injury Liability
Covers medical expenses, lost wages, and pain and suffering when you injure another person in an at-fault accident. The 25/50 minimum may be inadequate for serious injury claims—a single hospitalization in North Dakota averages $15,000–$40,000. North Dakota saw 104 traffic fatalities in 2022, with liability claims often exceeding state minimums in fatal or catastrophic injury cases.
$25,000 per accident
Property Damage Liability
Pays for damage to other vehicles, buildings, or property when you're at fault. The $25,000 minimum may not cover multi-vehicle accidents or damage to high-value vehicles and agricultural equipment common in rural North Dakota. Winter weather contributes to 43% of North Dakota crashes annually, increasing the likelihood of multi-vehicle pile-ups where property damage exceeds minimums.
$25,000 per person / $50,000 per accident
Uninsured Motorist Bodily Injury
North Dakota is one of only 20 states requiring uninsured motorist coverage, protecting you when hit by a driver with no insurance. Approximately 8% of North Dakota drivers are uninsured despite the legal requirement. You may reject this coverage in writing, but insurers must offer it at your liability limits—rejecting UM leaves you personally responsible for injuries caused by uninsured drivers in a state with harsh winter collision risk.
Not required
Underinsured Motorist Coverage
Covers the gap when an at-fault driver carries insurance but their limits are insufficient for your injuries. Not required by North Dakota law, but strongly recommended given that 31% of state drivers carry only minimum 25/50 limits. UIM is particularly valuable for rural highway accidents where medical helicopters cost $20,000–$50,000 per flight—expenses that quickly exceed minimum coverage.
Not required
Personal Injury Protection
North Dakota does not require PIP or medical payments coverage under its tort system. However, PIP covers your medical expenses and lost wages regardless of fault, providing first-dollar coverage that pays before health insurance. Relevant for drivers with high-deductible health plans or those working in agriculture where work injury and auto accident distinctions can delay payment.
State-Mandated Minimum Coverage · North Dakota

North Dakota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your North Dakota quote.

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Cost Overview

North Dakota ranks among the lowest-cost auto insurance states, with average premiums 22–28% below the national median based on available industry data. Rates are driven by low population density, limited traffic congestion, and lower theft rates, but severe winter weather and rural emergency response times create unique risk factors that impact pricing.

What Affects Your Rate

  • Winter weather severity increases comprehensive claims by 35–45% in December through March due to hail, ice damage, and animal collisions during low-visibility conditions.
  • Fargo residents pay 12–18% more than rural drivers due to higher collision frequency, while Grand Forks rates fall 8–12% below the state average.
  • Young drivers age 16–25 face premiums 95–140% higher than the state average, with North Dakota's teen crash involvement rate at 14.3 per 1,000 licensed teen drivers.
  • Credit-based insurance scores impact North Dakota rates by 30–60%, with drivers in the lowest credit tier paying double the premium of those with excellent credit.
  • Rural highway driving increases uninsured motorist claim frequency by 18–22% compared to urban areas, as agricultural and seasonal workers are less likely to maintain continuous coverage.
  • Vehicle type affects rates significantly—pickup trucks cost 8–15% more to insure than sedans due to higher replacement costs and their prevalence in work-related use.
Minimum Coverage
$110–$145/mo
Includes state-required 25/50/25 liability and mandatory 25/50 uninsured motorist coverage only. Leaves you financially exposed for your own vehicle damage and medical expenses.
Standard Coverage
$165–$215/mo
Adds 100/300/100 liability limits, collision, and comprehensive with $500 deductibles. Recommended for financed vehicles and drivers with assets to protect.
Full Coverage
$220–$290/mo
Includes 250/500/100 liability, collision and comprehensive with $250 deductibles, uninsured/underinsured motorist at higher limits, and medical payments coverage. Provides maximum protection for families and high-value vehicles.

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Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. North Dakota's 25/50/25 minimum is legally sufficient but financially inadequate for serious accidents—medical helicopters alone cost $20,000–$50,000 in rural areas.

Full Coverage

Combines liability, collision, comprehensive, and uninsured motorist coverage for complete vehicle and injury protection. Required by lenders on financed vehicles and recommended for vehicles worth over $5,000.

Comprehensive Coverage

Pays for non-collision damage including hail, theft, vandalism, fire, and animal strikes. Covers your vehicle regardless of fault with a chosen deductible, typically $250–$1,000.

Collision Coverage

Repairs or replaces your vehicle after an accident with another vehicle or object, regardless of who's at fault. Pays up to your vehicle's actual cash value minus your deductible.

Uninsured Motorist Coverage

Required at 25/50 minimums in North Dakota but upgradeable to match your liability limits. Protects you and your passengers when hit by a driver with no insurance or in hit-and-run accidents.

SR-22 Insurance

A certificate of financial responsibility filed with North Dakota DOT after DUI, multiple violations, or driving without insurance. Not a separate policy—it's a filing attached to your existing coverage.

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburban
Bismarck, North Dakota cityscape and street view

Bismarck

suburban
Modern multi-story building complex with curved dome feature and mixed facade colors during golden hour lighting

Grand Forks

urban
Panoramic sunset landscape with pink and purple sky streaks over silhouetted trees and horizon

Minot

urban
Peaceful pond surrounded by marsh grasses with residential houses visible in the background under blue sky

West Fargo

suburban

Frequently Asked Questions

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