North Dakota drivers must have proof of insurance on them whenever they’re on the roads. The state requires a fairly standard amount of car insurance: $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. So if you harm anyone in an accident, your insurance will cover the costs associated with the injuries up to that limit. Additionally, drivers must have $25,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.
North Dakota is a no-fault state, which affects some of the state’s coverage requirements. For instance, they require $30,000 in personal injury protection (PIP) per person per accident, which covers economic losses, medical costs, and death benefits associated with an accident—regardless of fault. The state also requires $25,000 in uninsured/underinsured motorist bodily injury per person and $50,000 per accident. This keeps you protected if you’re involved in an accident with an uninsured or underinsured driver.