North Dakota Car Insurance Requirements
Numbers refreshed
Every driver in North Dakota must carry the minimum coverage. These amounts show what each part pays for.
- $31.average monthly liability cost.
- 25/50/25.the minimum limits for liability coverage.
- In cost rankings, it comes 48th of 51 (1st = highest).
North Dakota requirements
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $25,000 |
| Personal injury protection | Required, $30,000 |
| Uninsured motorist | Required |
| Underinsured motorist | Required |
| Fault system | No-fault |
Source: North Dakota Insurance Department, Auto; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the coverage amounts pay for
Liability coverage in North Dakota must be at least 25/50/25. An injured person is covered for up to $25,000. All injured people in one crash are covered for up to $50,000. Other people's property damage is covered for up to $25,000.
Medical bills and the cost of a newer car often exceed these limits. Many drivers choose 100/300/100 because amounts beyond those limits can be claimed from you. In North Dakota, the yearly average for a liability policy is $372.
Driving without insurance
Drive uninsured in North Dakota and you can lose your license and registration. Getting them back may require filing proof of insurance for several years.
Send your questions to the North Dakota Department of Transportation (NDDOT), Driver License Division.
More car insurance information for North Dakota
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