North Dakota Car Insurance Requirements

Minimum Coverage Requirements

North Dakota requires drivers to carry minimum liability insurance of 25/50/25 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Personal Injury Protection (PIP) is also required, covering medical expenses regardless of fault.

Average Car Insurance Costs in North Dakota

Drivers in North Dakota typically pay approximately $1,120 per year ($93/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in North Dakota

State Regulations and Key Rules

North Dakota is a no-fault state requiring PIP coverage. Uninsured and underinsured motorist coverage is also required. The state's harsh winters and rural roads contribute to certain claim types, though overall rates remain moderate.

What Makes North Dakota Unique

North Dakota requires both PIP and UM/UIM coverage, providing drivers with comprehensive baseline protection. Severe winter weather and wildlife collisions are the most common claim drivers.

Uninsured Drivers in North Dakota

Approximately 7.4% of drivers in North Dakota are estimated to be uninsured. This is among the lower uninsured rates in the country, though carrying uninsured motorist coverage remains a sound financial decision.

Risk Factors Specific to North Dakota

North Dakota experiences some of the most severe winter driving conditions in the nation — blizzards, ice, and sub-zero temperatures make winter driving hazardous from October through April. Deer and antelope collisions are common on rural highways. Spring flooding along the Red River periodically affects roads in the eastern part of the state.

What North Dakota’s Minimum Actually Covers

North Dakota’s minimum is 25/50/25: $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in North Dakota

North Dakota is a no-fault state: after most accidents, your own personal injury protection (PIP) pays your medical bills and some lost wages regardless of who caused the crash. Required PIP: $30,000. You can generally sue the at-fault driver for pain and suffering only when injuries pass the state’s threshold. North Dakota also requires UM/UIM coverage, which pays when the at-fault driver has no insurance or too little.

How North Dakota Compares: Uninsured Drivers and Price

An estimated 7.4% of North Dakota drivers are uninsured — roughly 1 in 14 — one of the lowest uninsured rates in the country.

Our average premium estimate of $1,120 a year puts North Dakota among the ten least expensive states in our 50-state estimates (median $1,395).

How to Save on Car Insurance in North Dakota

North Dakota's rates are among the lower in the upper Midwest. Multi-policy bundling with farm policies is common and effective for rural drivers. Winter tires can sometimes qualify for discounts with certain carriers.

• North Dakota's minimum liability requirement of 25/50/25 is the legal floor, not a safe target — since North Dakota already requires PIP coverage, review whether that limit alone would cover a serious injury claim.
• With an estimated 7.4% of North Dakota drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in North Dakota?

25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability.

Is North Dakota a no-fault state?

Yes. Your own personal injury protection pays your medical bills after most accidents regardless of fault. Required PIP: $30,000.

Is uninsured motorist coverage required in North Dakota?

Yes. North Dakota requires UM/UIM coverage.

How many drivers are uninsured in North Dakota?

An estimated 7.4% of North Dakota drivers are uninsured, roughly 1 in 14.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.