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

North Dakota car insurance

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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:

Coverage	What it covers	Minimum amount
Bodily injury liability	What it covers Injuries you cause to others in an accident	Minimum amount $25,000 per person $50,000 per accident
Property damage liability	What it covers Damage you cause to other people's property in an accident	Minimum amount $25,000 per accident
UM/UIM bodily injury	What it covers Your medical expenses an uninsured or underinsured driver causes	Minimum amount $25,000 per person $50,000 per accident
Personal injury protection (PIP)	What it covers Your 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.

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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 writer of personal auto insurance in North Dakota.^**

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:

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Paperless
Three-year safe driving
Five-year accident-free
Multi-car
Homeowner
Electronic Funds Transfer (EFT)
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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.

North Dakota Department of Transportation: Find information about making an appointment to renew your registration, discover kiosk locations and services, renew your ND vehicle registration, and more.
North Dakota traffic safety laws: Learn about traffic safety rules in North Dakota like, DUI laws and consequences, distracted driving penalties, and child safety restraint rules.
North Dakota driver's license FAQs: Learn about obtaining a ND driver's license or non-driver ID, a REAL ID, driver education resources, and many other online services for drivers.
Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.

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