Car Insurance Laws
State minimum insurance requirements in North Dakota
In North Dakota, the state minimum coverage requirements are as follows:
Liability
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
- Property Damage $25,000 per accident
Uninsured/Underinsured Motorist
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
Personal Injury Protection (PIP)
- $30,000 per person
Optional coverage in North Dakota (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
Liability coverage is legally required in North Dakota and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In North Dakota, the minimum is listed as 25/50/25 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
Uninsured/Underinsured Motorist coverage is legally required in North Dakota and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In North Dakota, the minimum is listed as 25/50 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In North Dakota, minimum PIP coverage of $30,000 per person is required on your policy.
These numbers reflect the minimum limits required in North Dakota but higher coverage amounts are available with most companies.
North Dakota is a no fault state!
What does this mean for you?
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.
Top North Dakota Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.
Car Insurance FAQs
Are digital insurance cards accepted in North Dakota?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in North Dakota you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in North Dakota?
Uninsured Drivers in North Dakota
6%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.How much does car insurance cost in North Dakota cities?
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Beulah | $1,323 |
| 2 | Hazen | $1,323 |
| 3 | Rugby | $1,313 |
| 4 | Bottineau | $1,310 |
| 5 | Carrington | $1,302 |
| 6 | Belcourt | $1,302 |
| 7 | Williston | $1,296 |
| 8 | Grafton | $1,286 |
| 9 | Devils Lake | $1,278 |
| 10 | Bismarck | $1,224 |
| 11 | Dickinson | $1,223 |
| 12 | Minot | $1,217 |
| 13 | Mandan | $1,210 |
| 14 | Lincoln | $1,204 |
| 15 | Valley City | $1,156 |
| 16 | Lisbon | $1,147 |
| 17 | Jamestown | $1,147 |
| 18 | Wahpeton | $1,138 |
| 19 | Casselton | $1,132 |
| 20 | Grand Forks AFB | $1,132 |
| 21 | Fargo | $1,106 |
| 22 | Horace | $1,089 |
| 23 | Grand Forks | $1,077 |
| 24 | West Fargo | $1,019 |
Recent North Dakota Car Insurance Questions and Answers
What do I do if my vehicle was totaled while parked?
My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ...
What happens if your car gets broken into at home?
My car was parked in my driveway and when I left the house to go to work the next morning ...
Driving Laws
North Dakota Texting and Driving Laws
- Ban on all cell phones for drivers <18 years old
- Ban on text messaging for all drivers
Alcohol Related Fatalities
72
Per Year in North DakotaAnnual DUI Arrests
North Dakota4,003
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.Cheap Car Insurance
It's expensive to get car insurance in North Dakota!
Dang! North Dakota is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since North Dakota might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.What's the cheapest car insurance in North Dakota?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | USAA | $718 |
| 2 | Allied | $903 |
| 3 | Nodak Mutual | $937 |
| 4 | Grinnell | $1,049 |
| 5 | State Farm | $1,131 |
| 6 | Safeco | $1,145 |
| 7 | Progressive | $1,307 |
| 8 | State Auto | $1,326 |
| 9 | Auto-Owners | $1,436 |
| 10 | Auto Club Group | $1,473 |
| 11 | Allstate | $1,504 |
| 12 | American Family | $1,507 |
| 13 | MetLife | $1,557 |
| 14 | EMC | $1,686 |
| 15 | National Farmers Union | $1,771 |
| 16 | North Star | $2,024 |
| 17 | GEICO | $2,039 |
| 18 | Farmers | $2,159 |
| 19 | Liberty Mutual | $2,423 |
| 20 | Dairyland | $5,145 |
