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North Dakota Car Insurance Information

Requirement : Yes

Car insurance is required in North Dakota . Drivers must have a minimum of liability, uninsured/underinsured, and personal injury protection - no fault coverage.

Minimum Coverage Car Insurance Requirements:

A minimum of liability, uninsured/underinsured, and personal injury protection are required:

    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
    • $25,000 for property damage.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
  • Personal Injury Protection (PIP) – No-fault insurance helps with certain costs resulting from a car accident, no matter who’s at fault.
    • $30,000 for bodily injury per accident.

Other Car Insurance Coverage Options:

Liability, and uninsured/underinsured, and personal injury protection coverage are the only requirements for North Dakota motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. North Dakota requires all drivers to have minimum coverage.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times.

Your insurance provider will send you an insurance card.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $150 minimum fine for first offense.
      • Revocation or suspension of vehicle registration
    • $300 minimum fine for subsequent offenses within 18 months.


A SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance. An SR22 must be maintained for 1 year.

  Credit Scores & Determining Your Insurance Premium :

All North Dakota drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. . Drivers unable to get private coverage should consult the North Dakota Insurance Department for assistance.


Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Credit history
  • Driving history
  • Claims history
  • Neighborhood, city
  • Deductible

Discounts : Yes

Discounts available in North Dakota:

  • Accident-free discount.
  • Good student discount.
  • Multi-vehicle discount.
  • Anti-theft device discount.
  • Safety device discount

Cellphone Use:

Drivers under the age of 18 are banned from all cell phone use while driving. All drivers are prohibited from texting while driving. Cell phone and texting violations are considered primary offenses. Violators face a $100 fine.

North Dakota Minimum Coverage Laws

Carriers in North Dakota

Full Insurance Laws for North Dakota