Auto Insurance in North Dakota
No-Fault / PIP State — North Dakota drivers pay an average of $1,200/year for full-coverage auto insurance — one of the cheapest states in the nation for cost.
North Dakota Minimum Liability Requirements
State law requires a minimum of 25/50/25 (no-fault, PIP required) (bodily injury per person / per accident / property damage). These minimums are the legal floor — not a recommendation. A single serious accident can easily exceed these limits and expose you to personal liability.
Key North Dakota Auto Insurance Factor
North Dakota is a no-fault state requiring PIP but maintains below-average premiums. The state's sparse population, low traffic density, and strong regulatory environment keep costs down.
What Full Coverage Includes in North Dakota
- Liability: Covers injuries and property damage you cause to others (required by law)
- Collision: Covers damage to your vehicle from an accident
- Comprehensive: Covers theft, weather, fire, and non-collision damage
- PIP (Personal Injury Protection): Required in North Dakota — covers your medical bills regardless of fault
- Uninsured/Underinsured Motorist: Protects you from drivers with no or insufficient coverage
Frequently Asked Questions
What is the average cost of auto insurance in North Dakota?
The average annual cost of full-coverage auto insurance in North Dakota is $1,200/year. Rates vary based on your driving record, vehicle type, ZIP code, age, and coverage levels. Use our estimator above to get a personalized figure.
What are North Dakota's minimum auto insurance requirements?
North Dakota requires minimum liability coverage of 25/50/25 (no-fault, PIP required) (bodily injury per person / per accident / property damage). North Dakota is a no-fault state, so PIP coverage is also required. These are legal minimums — most financial experts recommend carrying significantly higher limits.
Is North Dakota a no-fault auto insurance state?
Yes, North Dakota is a no-fault state. This means your own PIP (Personal Injury Protection) coverage pays for your medical expenses after an accident regardless of who was at fault. North Dakota is a no-fault state requiring PIP but maintains below-average premiums. The state's sparse population, low traffic density, and strong regulatory environment keep costs down.
How can I lower my auto insurance premium in North Dakota?
Common ways to reduce your premium in North Dakota include: maintaining a clean driving record, bundling auto and home insurance, raising your deductible, qualifying for good driver or good student discounts, and shopping multiple insurers annually. Use the estimator above to see how different coverage levels affect your estimated premium.