Liability Car Insurance in North Dakota
Numbers refreshed
Learn what North Dakota’s cheapest legal policy costs and which coverage it leaves out.
- The average monthly cost for liability is $31.
- 25/50/25.the lowest liability limits allowed.
- 48th of 51.the most expensive state (1st = highest).
How much liability costs in North Dakota
In North Dakota, liability-only car insurance averages $372 a year, or about $31 a month. For liability, the state ranks 51st in cost.
| Coverage in North Dakota | Per year | Per month |
|---|---|---|
| Liability | $372 | $31 |
| Collision | $364 | $30 |
| Comprehensive | $341 | $28 |
| Full coverage (all three) | $1,078 | $90 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay with the minimum
North Dakota sets 25/50/25 as the minimum liability limits its law requires. Each person hurt is covered for $25,000, everyone hurt in one accident for $50,000, and damage to other people's property for $25,000.
Other people receive payment from the liability coverage. You pay for repairs to your own car unless you add collision.
Any amount above your limits after a crash can be claimed from you. Raising your limits usually costs far less than the extra protection you get.
Learn more about North Dakota car insurance
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