Budget Coverage Info
Get a Quote
A dirt road runs between sunflower fields under a cloudy sky, with a large sunflower and leaves in close-up at the right edge.

North Dakota Auto Insurance Rates & Minimums

North Dakota requires 25/50/25 liability coverage and is a no-fault state.

Compare my rates

Free to compare

North Dakota at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

North Dakota operates as a traditional tort state where the at-fault driver's insurance pays for damages. Drivers must carry proof of insurance at all times and present it during traffic stops or accidents. The state does not require personal injury protection (PIP) or uninsured motorist coverage, unlike neighboring no-fault states, according to the North Dakota Department of Insurance.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. The state minimum has not increased since 1987 despite decades of medical cost inflation.

Property Damage Liability

Pays for damage to other vehicles, buildings, or property you hit. This coverage does not pay for your own vehicle damage.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. North Dakota law requires insurers to offer this coverage at the same limits as your liability policy, and you must decline it in writing to waive it.

Collision Coverage

Pays to repair or replace your vehicle after a crash, regardless of fault. This is optional coverage not mandated by North Dakota law and typically cost-prohibitive for owners of older vehicles where annual premiums can approach or exceed the car's actual cash value.

Comprehensive Coverage

Covers non-collision losses like hail damage, animal strikes, theft, and vandalism.

Cost Overview

$35–$65/mo

Typical monthly rate in North Dakota, minimum-coverage policies

Rate data: NerdWallet, ValuePenguin and Insurify, 2026

What Affects Your Rate

  • North Dakota's deer-vehicle collision rate ranks among the highest nationally, with approximately 1 in 44 drivers hitting a deer annually — comprehensive coverage addresses this risk
A woman in a white t-shirt and light cardigan with a tan shoulder bag stands beside an open car door on a tree-lined residential street.

Find the Lowest Rate That Still Protects You

Find Your Lowest Rate

Coverage Types

Liability Insurance

The only legally required coverage in North Dakota. Pays for injuries and property damage you cause to others, but leaves you financially exposed if you total your own car or get hit by someone without insurance.

Full Coverage

Combines liability, comprehensive, and collision to cover both your legal obligations and your own vehicle damage. Only makes financial sense if your car's value exceeds $4,000–$5,000.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when hit by a driver with no insurance. Not legally required, but insurers must offer it and you must decline in writing.

Collision Coverage

Repairs or replaces your vehicle after an at-fault crash or single-vehicle accident. Required by lenders on financed vehicles but optional once you own the car outright.

Comprehensive Coverage

Covers hail, theft, vandalism, fire, and animal strikes. North Dakota has some of the nation's highest deer collision and hail damage rates.

SR-22 Insurance

A state-mandated proof-of-insurance filing required after DUI, driving without insurance, or multiple violations. The SR-22 itself costs $15–$35 to file, but the underlying insurance rates increase substantially.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban