North Dakota car insurance

Before you drive down Highway 46, or through Fargo to Bismarck, get straightforward information on car insurance in North Dakota from Progressive, including requirements, coverage options, and discount opportunities in the Peace Garden state.

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What are North Dakota’s minimum auto insurance requirements?

Drivers in North Dakota are legally required to have auto liability coverage (BI liability and PD liability), uninsured/underinsured (UM/UIM) bodily injury, and personal injury protection (PIP) coverage at the following minimum limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$25,000 per accident
UM/UIM bodily injury What it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$25,000 per person
$50,000 per accident
Personal injury protection (PIP)What it coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault.Minimum amount$30,000 per person

While these are North Dakota 's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is North Dakota a no-fault state?

Yes. North Dakota has been a no-fault state since 1976, according to the Insurance Information Institute. As a no-fault state, North Dakota requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries.

How much is car insurance in North Dakota?

The average cost of a six-month liability-only policy in North Dakota is $96.24 per month.* Rates vary based on several factors, including your driving history, coverage selections, and more. Learn more about the factors that impact car insurance rates.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average. Get an auto insurance quote today.

What is the best car insurance in North Dakota?

Finding the best car insurance in North Dakota means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in North Dakota get the best car insurance for them. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**

How do I lower my car insurance cost in North Dakota?

To lower your car insurance cost in North Dakota, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in North Dakota is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to North Dakota's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator to find which ones are recommended for you.

North Dakota driving resources

From Grand Forks to Minot, get to know North Dakota's driving laws and resources. These resources apply to Williston, Dickinson, and everywhere in between. Local municipalities may have additional laws and resources.

How to get car insurance in North Dakota


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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.