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North Dakota Auto Insurance Rates & Requirements

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

Source: state DMV, insurance department and statute records, verified July 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.

Bodily Injury Liability

Covers medical expenses, lost wages, and pain and suffering when you injure another person in an at-fault accident. North Dakota saw 104 traffic fatalities in 2022, with liability claims often exceeding state minimums in fatal or catastrophic injury cases.

Property Damage Liability

Pays for damage to other vehicles, buildings, or property when you're at fault.

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. 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.

Underinsured Motorist Coverage

Covers the gap when an at-fault driver carries insurance but their limits are insufficient for your injuries.

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.

Cost Overview

about $67/mo

Average car insurance spending in North Dakota

Rate data: NAIC Auto Insurance Database, 2023

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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

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban