State guide
Insurance in North Dakota
Required coverage, penalties, official contacts and sources for North Dakota, reviewed 2026-10.
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Car insurance
What North Dakota requires.
Liability 25/50/25, $30,000 no-fault and uninsured/underinsured motorist 25/50. Claims system: no-fault.
| Coverage | Requirement in North Dakota |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Injury protection | Basic no-fault (personal injury protection): $30,000 per person |
| Uninsured / underinsured motorist | Uninsured motorist: $25,000 per person / $50,000 per accident. Underinsured motorist must equal uninsured motorist |
Required coverage
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist coverage: $25,000 per person and $50,000 per accident
- Underinsured motorist coverage equal to the uninsured motorist coverage
- Basic no-fault (PIP): $30,000 per person
Other coverage commonly available
- Higher liability, uninsured, underinsured and no-fault limits
- Collision
- Comprehensive
- Towing
- Death and dismemberment
- GAP coverage
If you drive without required coverage
According to the Insurance Department, a person convicted of driving without liability insurance must show proof of liability insurance to the Department of Transportation for three years, which an insurer can file using a Certificate of Motor Vehicle Liability Insurance. Certain violations, including driving without insurance, can lead to suspension or revocation of a driver's license, followed by a requirement to show proof of future financial responsibility for one year.
Notices
What to know in North Dakota.
- Under North Dakota law, your auto's no-fault coverage is primary, regardless of fault. It pays for economic loss such as medical expenses and work loss.
- The $50,000 / $100,000 / $25,000 figure that appears on the Department's auto page applies to ride-hailing (transportation network company) drivers who are logged on to the app but have not accepted a ride. It is not the general minimum.
- Once an auto policy has been in force for 60 days, an insurer may cancel it only for the reasons the Department lists, such as nonpayment of premium or fraud. Auto policies are not required to have a grace period, so a policy terminates automatically if the premium is not received by the due date.
- A company is not required to sell you auto insurance. If you cannot get coverage through standard or non-standard carriers, your agent can help you apply to the North Dakota Automobile Insurance Plan.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Insurance and Securities Department
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The North Dakota Insurance and Securities Department publishes consumer guides and is the state authority for questions about insurers, agents and complaints.
Health insurance
HealthCare.gov
HealthCare.gov (federal marketplace)
- North Dakota is not on HealthInsurance.org's list of state-run or state-based marketplaces for the 2026 plan year, so residents use HealthCare.gov.
- Confirm current enrollment dates and eligibility for financial help on HealthCare.gov.
Contacts
Who to contact.
- North Dakota Insurance and Securities Department
- Website: insurance.nd.gov
- Contact page
- Phone: (701) 328-2440 (Insurance and Securities Department, Bismarck)
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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