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North Dakota Auto Insurance Requirements & Rates

North Dakota requires 25/50/25 minimum liability coverage — $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. Average full coverage rates range from $130–$180/month, while state minimum policies typically cost $45–$75/month based on available industry data.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

North Dakota operates under a no-fault insurance system, meaning your own insurance covers your medical expenses regardless of who caused the accident. All drivers must carry proof of insurance and provide it when registering a vehicle, during traffic stops, or after an accident. The North Dakota Department of Insurance enforces these requirements, and driving without coverage can result in license suspension and fines up to $1,000.

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$25,000 per person / $50,000 per accident
Bodily Injury Liability
Covers medical expenses, lost wages, and legal fees when you injure someone in an at-fault accident. North Dakota's 25/50 minimum is among the lowest in the nation and insufficient for most serious crashes — a single hospital stay can exceed $25,000. Medical costs in Fargo and Bismarck hospitals can quickly exhaust minimum limits, leaving you personally liable for the difference.
$25,000 per accident
Property Damage Liability
Pays for damage to another person's vehicle or property when you're at fault. The $25,000 minimum may not cover total loss of a newer pickup truck, which are prevalent in North Dakota's agricultural and oil industry workforce. A single accident involving multiple vehicles or farm equipment can exceed this limit.
$30,000 per person
Personal Injury Protection (PIP)
Mandatory in North Dakota's no-fault system, PIP covers your medical expenses, lost income, and essential services regardless of fault. This coverage is uniquely important in North Dakota because you cannot sue for minor injuries — PIP becomes your primary protection. The required $30,000 limit applies per person and covers 85% of medical costs and 100% of funeral expenses up to $3,500.
$25,000 per person / $50,000 per accident
Uninsured/Underinsured Motorist Coverage
Required in North Dakota and protects you when hit by a driver with no insurance or insufficient coverage. Approximately 7% of North Dakota drivers are uninsured, slightly below the national average but still representing thousands of vehicles on rural highways. This coverage mirrors your liability limits unless you reject it in writing.
Not required
Collision and Comprehensive Coverage
Optional unless required by your lender or leasing company. Collision covers damage to your vehicle in an accident regardless of fault, while comprehensive covers non-collision events like hail, deer strikes, and theft. North Dakota experiences severe hailstorms along the I-94 corridor and the highest deer-vehicle collision rate per mile driven in the upper Midwest, making comprehensive coverage particularly relevant for rural drivers.
State-Mandated Minimum Coverage · North Dakota

North Dakota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your North Dakota quote.

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Cost Overview

North Dakota insurance rates are influenced by the state's harsh winter conditions, rural driving distances, and no-fault system requirements. Average full coverage costs $130–$180/month based on available industry data, with significant variation between Fargo's urban corridors and rural counties where wildlife collisions and gravel road accidents increase risk. Personal Injury Protection (PIP) requirements add approximately $15–$30/month to premiums compared to tort states.

What Affects Your Rate

  • Winter weather claims increase rates by 15–25% statewide due to ice-related accidents and subzero temperature vehicle damage between November and March.
  • Drivers in Cass County (Fargo) pay 10–18% more than rural counties due to higher traffic density and collision frequency along I-29 and I-94 intersections.
  • North Dakota's no-fault PIP requirement adds $180–$360 annually compared to tort-based neighboring states like Montana and South Dakota.
  • Wildlife collision claims — primarily deer strikes — affect approximately 1 in 70 North Dakota drivers annually, increasing comprehensive premiums in rural zip codes by $8–$15/month.
  • Oil industry workers in Williams and McKenzie counties may see 12–20% higher rates due to increased traffic from commercial vehicles on rural highways.
  • Hail damage claims in the Red River Valley and along the I-94 corridor from Jamestown to Fargo result in 20–30% higher comprehensive coverage costs during spring and summer months.
Minimum Coverage
$45–$75/mo
Includes only state-required 25/50/25 liability, $30,000 PIP, and 25/50 uninsured motorist coverage. Provides legal compliance but leaves you exposed to out-of-pocket costs in serious accidents.
Standard Coverage
$85–$130/mo
Raises liability to 100/300/100 limits and adds collision with $500–$1,000 deductible. Appropriate for most drivers with financed vehicles or moderate assets to protect.
Full Coverage
$130–$180/mo
Includes 250/500/100 liability, comprehensive and collision with lower deductibles, and enhanced PIP. Provides maximum protection against North Dakota's weather-related and wildlife collision risks.

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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others in an at-fault accident. North Dakota's 25/50/25 minimum is insufficient for most serious crashes — raising limits to 100/300/100 typically adds only $20–$40/month and protects your assets from lawsuits.

Full Coverage

Combines liability, collision, comprehensive, PIP, and uninsured motorist coverage into complete protection. Essential for financed vehicles and recommended for anyone unable to replace their car out-of-pocket after a total loss.

Comprehensive Coverage

Pays for non-collision damage including hail, theft, vandalism, fire, and animal strikes. Covers the cost to repair or replace your vehicle minus your deductible, typically $500–$1,000.

Collision Coverage

Repairs or replaces your vehicle after an accident with another car or object, regardless of fault. Works with your deductible — if repairs cost $4,000 and your deductible is $500, you pay $500 and insurance covers $3,500.

Uninsured Motorist Coverage

Required in North Dakota at 25/50 minimums and covers your injuries when hit by a driver with no insurance or a hit-and-run driver. You can increase limits beyond the minimum to match your liability coverage.

SR-22 Insurance

Not a separate coverage but a certificate of financial responsibility filed with the state after certain violations like DUI, reckless driving, or driving uninsured. Requires continuous coverage for three years in North Dakota.

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburban
Bismarck, North Dakota cityscape and street view

Bismarck

suburban
Modern multi-story building complex with curved dome feature and mixed facade colors during golden hour lighting

Grand Forks

urban
Panoramic sunset landscape with pink and purple sky streaks over silhouetted trees and horizon

Minot

urban
Peaceful pond surrounded by marsh grasses with residential houses visible in the background under blue sky

West Fargo

suburban

Frequently Asked Questions

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