North Dakota Auto Insurance Requirements & Rates

Covers medical expenses, lost wages, and legal fees when you injure someone in an at-fault accident. Medical costs in Fargo and Bismarck hospitals can quickly exhaust minimum limits, leaving you personally liable for the difference.

Pays for damage to another person's vehicle or property when you're at fault. A single accident involving multiple vehicles or farm equipment can exceed this limit.

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.

Required in North Dakota and protects you when hit by a driver with no insurance or insufficient coverage. This coverage mirrors your liability limits unless you reject it in writing.

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.