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 under a traditional tort liability system where the at-fault driver is financially responsible for damages. The state requires continuous proof of insurance verified through a real-time electronic monitoring system managed by the North Dakota Department of Transportation — one of the most robust enforcement systems in the country. Drivers must carry proof of insurance at all times and present it during traffic stops or within 10 days of a written request.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Personal Injury Protection
Cost Overview
about $67/mo
Average car insurance spending in North Dakota
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- North Dakota's average age of licensed drivers is 49.3 years — the 4th oldest in the nation — which reduces teen driver accidents and lowers overall risk pools.
Check Your Rate Against the Market
Compare Auto Rates for FreeCoverage Types
Liability Insurance
The foundation of any North Dakota policy, covering bodily injury and property damage you cause to others. State minimums of 25/50/25 are routinely exceeded in serious accidents, leaving at-fault drivers personally liable for the difference.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist protection into a complete package. Required by lenders for financed vehicles and recommended for any car worth more than $5,000.
Comprehensive Coverage
Pays for damage to your vehicle from non-collision events including theft, vandalism, fire, hail, falling objects, and animal strikes. Deductibles typically range from $250 to $1,000.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Also covers underinsured motorist situations where the other driver's limits are insufficient to cover your damages.
Collision Coverage
Pays for damage to your vehicle after a collision with another car or object, regardless of fault. Required by lenders and essential for protecting the value of vehicles worth more than your emergency fund.