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North Dakota Auto Insurance Rates & Minimums

North Dakota requires 25/50/25 minimum liability coverage — $25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. Minimum coverage policies typically cost $45–$75/month, while full coverage averages $130–$180/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 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.

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$25,000 per person / $50,000 per accident
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. North Dakota's 25/50 minimum is among the lowest in the region — a single serious injury claim can easily exceed $25,000, leaving you personally liable for the difference. The state minimum has not increased since 1987 despite decades of medical cost inflation.
$25,000 per accident
Property Damage Liability
Pays for damage to other vehicles, buildings, or property you hit. The $25,000 limit may not cover a multi-car accident or a collision with a newer truck or SUV, which commonly exceed this amount in total loss value. This coverage does not pay for your own vehicle damage.
Not required (must be offered and rejected in writing)
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. Given that approximately 7% of North Dakota drivers are uninsured, this optional coverage addresses a real exposure gap for drivers carrying only state minimums.
Not required
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.
Not required
Comprehensive Coverage
Covers non-collision losses like hail damage, animal strikes, theft, and vandalism. North Dakota experiences frequent severe hailstorms and high deer collision rates, but this coverage remains optional and adds significant cost for drivers with vehicles valued under $5,000.
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's auto insurance rates are influenced by harsh winter driving conditions, rural distances that increase crash severity, and wildlife collision frequency. The state's relatively low population density and lower crime rates in most areas help keep premiums below the national average for drivers seeking minimum coverage.

What Affects Your Rate

  • Drivers in Fargo pay $15–$25/month more than rural areas due to higher traffic density and collision frequency
  • Winter months see a 30–40% increase in claims from ice-related accidents, though this typically doesn't affect rates mid-policy
  • 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
  • Credit-based insurance scoring is permitted in North Dakota, and drivers with poor credit can pay 50–80% more than those with excellent credit for identical coverage
  • Drivers over 55 with clean records typically qualify for the lowest minimum coverage rates in the $45–$55/month range
  • Younger drivers under 25 pay $90–$150/month even for minimum coverage due to statistically higher crash rates
Minimum Coverage
$45–$75/mo
State-required 25/50/25 liability only. Covers damage you cause to others but provides no protection for your own vehicle or injuries if you're at fault or hit by an uninsured driver.
Standard Coverage
$75–$115/mo
Increased liability limits (50/100/50 or 100/300/100) plus uninsured motorist protection. No coverage for your own vehicle damage.
Full Coverage
$130–$180/mo
Comprehensive and collision added to liability coverage. Only cost-justified if your vehicle is worth more than 10 times the annual premium increase over minimum coverage.

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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, 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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