Car insurance · North Dakota
Car insurance requirements in North Dakota
Liability 25/50/25, $30,000 no-fault and uninsured/underinsured motorist 25/50. Claims system: no-fault.
Verified summaryAll North Dakota insurance topics
Requirements
Minimum car insurance requirements in North Dakota
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in North Dakota
Uninsured motorist: $25,000 per person / $50,000 per accident. Underinsured motorist must equal uninsured motorist.
Optional coverage
Coverage you can add in North Dakota
- Higher liability, uninsured, underinsured and no-fault limits
- Collision
- Comprehensive
- Towing
- Death and dismemberment
- GAP coverage
Penalties
Penalties for driving without insurance in North Dakota
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.
Good to know
Other things 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.
Contacts
Who to contact in North Dakota
- 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.
- North Dakota Insurance and Securities Department: Autoinsurance.nd.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about North Dakota.
Home insurance resources and the health marketplace for North Dakota are on its overview page.