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North Dakota Auto Insurance Rates & Requirements

North Dakota requires 25/50/25 liability coverage — $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage — with average premiums ranging $110–$145 per month. The state operates under a traditional tort system and mandates continuous proof of insurance or drivers face immediate license suspension.

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

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Updated May 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.

North Dakota cityscape and street view
25/50 ($25,000 per person, $50,000 per accident)
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure another person in an at-fault accident. North Dakota's minimum of $25,000 per person is easily exhausted by a single emergency room visit — the average hospital stay costs $13,000–$18,000 before surgery or intensive care. Medical costs in Fargo and Bismarck have increased 22% since 2020, making the state minimum inadequate for most serious injury claims.
$25,000 per accident
Property Damage Liability
Pays for damage to another person's vehicle or property when you are at fault. The average new vehicle on North Dakota roads costs $42,000, meaning a total-loss collision with a single newer vehicle exceeds the state minimum by $17,000. Multi-vehicle accidents on I-94 or I-29 during winter whiteout conditions can generate combined property damage well into six figures.
25/50 (must be offered; can be rejected in writing)
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage. Insurers must offer this coverage at the same limits as your liability policy, but North Dakota allows drivers to reject it with a signed waiver. With 7.2% of North Dakota drivers uninsured — approximately 1 in 14 vehicles — and limited public transit in rural counties, this coverage is critical for protecting yourself from financially irresponsible drivers on two-lane highways where head-on collisions are more common.
Must be offered; minimum $30,000
Personal Injury Protection
North Dakota requires insurers to offer PIP coverage with a minimum benefit of $30,000, but drivers can reject it in writing. PIP pays your medical expenses, lost wages, and essential services regardless of fault, which is particularly valuable in rural areas where the nearest trauma center may be 60+ miles away. The coverage also provides up to $15 per day for in-home services and $200 per month for substitute services if injuries prevent you from performing household tasks.
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's average auto insurance rates run $110–$145 per month for minimum coverage, placing the state among the lowest-cost markets in the country. Low population density, minimal urban congestion, and a high percentage of older, experienced drivers contribute to favorable pricing, though severe winter weather and rural highway speeds create elevated claim severity in certain accident types.

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.
  • Winter weather contributes to 38% of all North Dakota vehicle collisions between November and March, with ice-related claims peaking during morning commutes when black ice forms on rural highways.
  • Bismarck and Fargo drivers pay 12–18% more than rural policyholders due to higher theft rates and collision frequency in parking lots and intersections.
  • Drivers with a single at-fault accident see rate increases of 28–35% at renewal, while a DUI conviction raises premiums by 75–110% for three years.
  • Comprehensive claims for animal strikes — primarily deer and elk — cost North Dakota drivers an estimated $14 million annually, with peak collision months in October and November during migration patterns.
  • Credit-based insurance scores influence North Dakota premiums by 20–40% depending on the carrier, with drivers in the lowest credit tier paying double the rate of those with excellent credit.
Minimum Coverage
$110–$145/mo
Meets North Dakota's 25/50/25 liability requirement with no physical damage coverage. Leaves you personally responsible for all vehicle repair costs and exposes you to significant out-of-pocket risk if you cause a serious injury accident.
Standard Coverage
$160–$210/mo
Increases liability limits to 100/300/100, adds uninsured motorist protection, and includes collision and comprehensive with a $500–$1,000 deductible. Provides meaningful protection for middle-income households with financed or leased vehicles.
Full Coverage
$220–$285/mo
Includes 250/500/100 or higher liability limits, $250–$500 deductibles, rental reimbursement, and roadside assistance. Designed for newer vehicles, high-net-worth drivers, or anyone who cannot afford to replace their vehicle after a total loss.

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Coverage 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.

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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