North Dakota car insurance

North Dakota boasts one of the longest straight roads in America — a 124-mile stretch of Highway 46 — including a 40-mile segment without a deviation as it crosses barren prairie. Before you get behind the wheel, get straightforward information on car insurance in North Dakota, including requirements, coverage options, and discount opportunities from Progressive.

3 min to read

Is car insurance mandatory in North Dakota?

Yes. North Dakota auto insurance requirements include minimum 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 lacks insurance or sufficient coverage.

Lastly, drivers in North Dakota must carry personal injury protection with a $30,000 per person minimum:

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 to protect your vehicle. But even if your car is paid off, they may be worth adding if 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 2020-2021, a liability-only auto insurance policy (single driver/single car) from Progressive cost an average of $73 per month* in North Dakota. Rates vary based on several factors, including your location, driving history, and coverage selections.

Do you offer any car insurance discounts?

Yes. Progressive offers many discounts to help lower the cost of car insurance in North Dakota, 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.

Save even more money—and protect your assets—by bundling your auto and homeowners insurance in North Dakota. In fact, Progressive makes it easy to for North Dakota residents to bundle two or more policies, including car, home, and renters insurance.

Pro tip:

Drivers nationwide who switch and save with Progressive save nearly $750 on average.** Get your car insurance quote today.

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. Make sure your teen driver is adequately 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, and gets an average of four blizzards per year.

How to get car insurance in North Dakota


Answer some easy questions and choose coverages.

Get a car insurance quote

Call us

A licensed representative will answer any questions you have.

Call 1-866-749-7436

Ask an agent

Need local advice? We'll connect you with a licensed independent agent near you.

Find an agent in North Dakota

Quote car insurance online or give us a call

Learn more about car insurance policies.

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.