Car Insurance in North Dakota
North Dakota requires 25/50/25 in liability coverage plus $30,000 in personal injury protection (PIP) and uninsured/underinsured motorist coverage at 25/50. As a no-fault state, your own PIP pays your medical costs after a crash regardless of fault.
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North Dakota at a glance
Data as of 2023Average cost
$808/yr
≈ $67/mo
vs U.S. average
-37%
below the national avg of $1,282/yr
Required minimums
25/50/25
+ $30K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
North Dakota requires 25/50/25 in liability coverage plus $30,000 in personal injury protection (PIP) and uninsured/underinsured motorist coverage at 25/50. As a no-fault state, your own PIP pays your medical costs after a crash regardless of fault.
North Dakota has one of the lowest average premiums in the country, helped by sparse traffic and lower claim frequency. Comparing quotes is still the easiest way to keep it that way.
North Dakota minimum car insurance requirements
North Dakota requires $25,000 of bodily injury liability per person, $50,000 per accident, $25,000 in property damage liability, $30,000 in PIP, and uninsured/underinsured motorist coverage at 25/50.
North Dakota is a no-fault state: $30,000 in PIP is required, plus uninsured/underinsured motorist coverage at 25/50.
How much does car insurance cost in North Dakota?
The average driver in North Dakota pays $808 per year for auto insurance — that's 37% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
North Dakota vs the national average
37% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How North Dakota premiums have changed since 2019
Auto insurance costs in North Dakota have risen 15% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: North Dakota vs national average
North Dakota is up 15% from $704 in 2019 to $808 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A North Dakota policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in North Dakota
Driving uninsured in North Dakota can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in North Dakota
Rates for the same driver can vary widely between insurers in North Dakota, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
North Dakota car insurance FAQs
Common questions about auto insurance in North Dakota
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