Does North Dakota have minimum car insurance requirements?

If you live and drive in North Dakota, you're required to carry liability coverage limits of at least:

  • $25,000 in bodily injury liability per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage liability per accident

You can always increase your auto liability coverage limits, if necessary, to better protect your assets.

North Dakota also mandates uninsured/underinsured bodily injury coverage with the following limits:

  • $25,000 in underinsured motorist bodily injury per person
  • $50,000 in total underinsured motorist bodily injury per accident

Uninsured/underinsured motorist bodily injury coverage can pay for medical bills resulting from an accident with a driver who has no insurance or lacks sufficient coverage.

Lastly, drivers in North Dakota must carry personal injury protection with the following minimum:

  • $30,000 per person

Personal injury protection can cover medical bills, hospital stays, rehab costs, and other services if you’re injured in an auto accident, regardless of fault.

Consider comprehensive and collision coverage

If you lease or finance a car, most lenders will require you to carry comprehensive and collision coverage in order to protect your vehicle. But even if your car is paid off, they're still worth adding in the event that your vehicle is stolen or damaged in a covered incident.

The safer you drive, the more you'll save. Snapshot® from Progressive personalizes your rate based on your driving habits. Learn more about Snapshot.

How much is car insurance in North Dakota?

In 2020, a liability-only auto insurance policy from Progressive costs an average of $113 per month* in North Dakota. Rates vary based on several factors, including your location, driving history, and coverage selections.

Do you offer any discounts that can lower my insurance costs?

Yes. Progressive offers many discounts for North Dakota drivers, such as:

  • Continuous insurance
  • Three-year safe driving
  • Multi-car
  • Electronic Funds Transfer (EFT)
  • Paperless
  • Five-year accident-free
  • Homeowner
  • Paid in full

See additional auto insurance discounts.

Fast facts about driving and car insurance in North Dakota

  1. North Dakota is one of just six states that allow teenagers to obtain their learner's permits on their 14th birthday (PDF). Make sure your teen driver is properly covered as they take to the road.

  2. For a first DUI offense, North Dakota drivers will have their license suspended for 91 days. See how to get auto insurance if you have a DUI violation.

  3. North Dakota drivers know how to drive in the snow. The state experiences a yearly average of 39 winter events that require snow or ice removal (PDF), and gets an average of four blizzards per year.

How to get car insurance in North Dakota


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