North Dakota Minimum Coverage Car Insurance: Requirements and Costs (November 2024)

Name: North Dakota Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Item: North Dakota Minimum Coverage Car Insurance: Requirements and Costs (November 2024)
Author: Mark Fitzpatrick

North Dakota's minimum coverage liability limits are 25/50/25. The average annual cost of minimum car insurance is $417, or about $35 monthly.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Denise Cristobal

Updated: October 29, 2024

Advertising & Editorial Disclosure

North Dakota requires drivers to carry minimum car insurance coverage with $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident. Uninsured/underinsured motorist coverage must also have the same limits of $25,000 per person and $50,000 per accident. Drivers must also have $30,000 in personal injury protection (PIP) per person. North Dakota operates under a no-fault insurance system, meaning that each driver's insurance covers their own damages regardless of fault.

The average monthly cost for meeting these minimum car insurance requirements is around $35. Finding the cheapest car insurance in North Dakota is crucial for managing expenses without sacrificing coverage. Understanding these requirements helps you stay prepared while driving in North Dakota.

TABLE OF CONTENTS

North Dakota Minimum Coverage Requirements
Average Cost of Minimum Coverage Car Insurance in North Dakota
Cheapest Companies in North Dakota for Minimum Coverage
Add-On Coverages in North Dakota
Penalties for Driving Without Insurance in North Dakota
FAQ

Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the North Dakota Insurance Department to get the most accurate cost data for various North Dakota drivers.

These rates reflect the cost of minimum coverage car insurance requirements in North Dakota as of November 2024.

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North Dakota Minimum Coverage Car Insurance Requirements

You must carry the state minimum car insurance coverage in North Dakota to operate a vehicle legally. Here are the minimum requirements:

$25,000 for bodily injury liability per person
$50,000 for bodily injury liability per accident
$25,000 for property damage liability per accident
$25,000 uninsured motorist bodily injury per person
$50,000 uninsured motorist bodily injury per accident
$30,000 personal injury protection (PIP) per person

North Dakota is a no-fault state, meaning that after an accident, your car insurance coverage pays for your medical expenses and other losses, regardless of who caused the crash. This no-fault coverage is reflected in the PIP, part of the required minimum insurance.

ARE COLLISION AND COMPREHENSIVE COVERAGE REQUIRED IN NORTH DAKOTA?

North Dakota doesn't legally require drivers to carry collision or comprehensive insurance; these coverages are optional add-ons to the minimum insurance requirements. However, when financing or leasing a vehicle, lenders often mandate both types of coverage to protect their financial interest in the car. Collision insurance covers the cost of repairs to your vehicle if you're at fault in an accident, while comprehensive insurance protects against non-collision events such as theft or natural disasters.

What Does Minimum Coverage Cover?

What Liability Insurance Covers	What Liability Insurance Doesn't Cover
Injuries to others if you're at fault in an accident	Your injuries
Damage to another person’s property if you're at fault in an accident	Damage to your car
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy	Repairs for weather-related accidents or if you were hit by an animal
	Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased

The table displays North Dakota's minimum car insurance requirements, including bodily injury and property damage coverage. Remember, your policy's specifics depend on its terms and conditions.

Average Cost of Minimum Coverage Car Insurance in North Dakota

Age is key in determining minimum car insurance rates, with young drivers often facing higher premiums. In North Dakota, drivers aged 22 to 29 face the highest premiums due to their generally higher risk profile and less driving experience, which can lead to more accidents and claims.

The table below highlights the average minimum coverage cost in North Dakota for each age group, offering insight into how age impacts affordability.


22-29	$477	$40
30-59	$417	$35
60 +	$405	$34

Cheapest Companies for Minimum Coverage Car Insurance in North Dakota

American Family and Nodak Mutual offer the most competitive rates for North Dakota motorists seeking the least expensive minimum coverage.

American Family: $307 per year; $26 per month
Nodak Mutual: $309 per year; $26 per month

While finding a cost-effective state minimum coverage insurance plan is smart, choosing a policy that fits your needs is essential. Consider reviewing the best car insurance in North Dakota to ensure you get the proper coverage.

Data filtered by:Results filtered by:

Age Group:

Age Group:30-59


American Family	$307	$26
Nodak Mutual	$309	$26
Nationwide	$315	$26
GEICO	$317	$26
Auto-Owners Insurance Co	$340	$28
Progressive	$358	$30
State Farm	$374	$31
Grinnell Mutual	$528	$44
Farmers	$569	$47
Allstate	$755	$63

Optional Add-On Coverages in North Dakota

In North Dakota, consider optional add-ons such as comprehensive, collision, uninsured/underinsured motorist, medical payments and rental car coverage. While not legally required beyond the state minimum, these coverages provide financial protection against various incidents, from accidents to theft. Determining how much car insurance you need can help you understand the value of these options.

Add-On Coverage	What It Covers	What It Doesn't Cover
Uninsured/Underinsured motorist coverage	Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance	Damage to your vehicle if you're at fault or damage that exceeds policy limits
Personal injury protection (PIP)	Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault	Vehicle damage or injuries to the other driver
Roadside assistance	Services like towing, flat tire changes and jumpstarts when your car breaks down	Cost of parts or repairs needed after the tow
Gap insurance	Pays the difference between your car's current value and what you still owe if it's totaled or stolen	Vehicle depreciation or overdue loan payments
Rental car reimbursement	The cost of a rental car while your vehicle is being repaired after a covered event	Fuel, insurance or other rental extras
Collision coverage	Repairs to your car after an accident, regardless of fault	Damage due to theft, vandalism or natural disasters
Comprehensive coverage	Repairs to non-collision damage from events like theft, fire or hail	Damage from a collision or personal injuries
Towing and labor coverage	Towing and basic roadside assistance labor costs at the site of your vehicle's breakdown	More extensive repairs needed at a garage
Custom parts and equipment coverage	Safeguards aftermarket enhancements like custom wheels or stereo systems	Original parts that came with your vehicle
Accidental death coverage	Offers a payout if you or a passenger dies or experiences certain injuries in a car accident	Non-accidental death or injuries
Classic car insurance	Agreed-upon values for your unique vehicle, tailored for vintage or collector cars	Regular use like your daily commute

Penalties for Driving Without Insurance in North Dakota

In North Dakota, the cost of a ticket for driving without minimum coverage auto insurance depends on whether it's a first-time or repeat offense. First-time offenders may face lighter penalties, while those with previous offenses can expect harsher consequences.

Monetary fine: Expect to pay a fine corresponding to the offense number.
Possible jail time: A driver might spend time behind bars, especially if uninsured during an accident.
License suspension and reinstatement fee: Your driving privileges could be removed, and you will be charged a reinstatement fee.
SR-22 requirement: After the suspension, you may need to submit an SR-22 form to prove financial responsibility.
Vehicle registration suspension: The state could suspend your car's registration.

Complying with North Dakota's insurance laws keeps driving safer and more responsible for everyone.

What to Do if Your Policy Is Canceled

Suppose your car insurance policy has been canceled in North Dakota. In that case, you should immediately contact your insurance agent to discuss options or seek a new policy because driving without at least the state minimum coverage is illegal. When you lose your coverage, the DMV will likely be informed through electronic monitoring systems that ensure drivers are insured. Driving uninsured could lead to fines, vehicle impoundment or license suspension.

To secure a new policy after cancellation, North Dakota drivers can explore high-risk insurance plans, contact other insurers for quotes, or consider North Dakota's Automobile Insurance Plan for those finding it difficult to secure coverage.

WHY WAS MY POLICY CANCELED?

Your car insurance policy in North Dakota may have been canceled for several reasons:

Non-payment: If you missed paying your premiums, the company can cancel your coverage.
License suspension: Your policy might be canceled if your driver's license has been suspended.
Fraud: Providing false information or committing fraud can lead to cancellation.
Too many claims: Filing many claims in a short time might result in losing your insurance.
High Risk: Being labeled a high-risk driver can cause an insurer to cancel your policy.

Maintain a clean driving record and pay your premiums to keep your coverage active.

FAQ: North Dakota Minimum Coverage Car Insurance

We answer common questions about minimum coverage in North Dakota to help you understand the insurance needed to comply with state laws.

What is the minimum car insurance coverage in North Dakota?

North Dakota's minimum coverage auto insurance includes $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability per accident. Drivers must also carry uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. Personal injury protection is also required, with a minimum of $30,000 per person. This basic coverage ensures drivers can cover potential injuries or damage from an auto accident.

Why does North Dakota require minimum automobile liability coverage for motorists?

North Dakota requires minimum coverage auto insurance to protect drivers, passengers and pedestrians from the high costs of property damage and personal injuries resulting from traffic accidents.

Do you need comprehensive insurance in North Dakota?

In North Dakota, comprehensive insurance isn't mandated by law. State minimum coverage typically includes liability insurance, which covers damage to others if you're at fault in an accident. Conversely, comprehensive coverage adds protection against non-collision incidents such as theft, vandalism or natural disasters. While not a legal requirement, lenders often require it if you finance or lease a vehicle to protect their investment.

What happens if you drive uninsured in North Dakota?

Driving uninsured in North Dakota can lead to several penalties, including fines, license suspension and potential jail time. A first offense results in a fine of at least $150, and your driving privileges could be suspended for up to one year. You must also file an SR-22 form, which proves future financial responsibility and could raise your insurance rates.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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