North Dakota Auto Insurance

North Dakota auto insurance is very affordable. But state requirements are complicated, and it pays to know your policy well.

This guide:

  • Explains North Dakota car insurance regulations and requirements

  • Describes how North Dakota auto insurance rates are decided

  • Shows you how you can save money by comparing multiple quotes

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North Dakota car insurance laws

North Dakota auto insurance laws require several different coverages. Every driver must purchase liability insurance, uninsured and underinsured motorists coverage, and personal injury protection (PIP).

In the event of an accident, liability insurance will provide coverage for injury and damage caused by you to the other party. North Dakota's liability minimums are 25/50/25. (That's $25,000 per person for injuries, up to $50,000 for all, and $25,000 for damage to the other party's property.)

Uninsured and underinsured motorist bodily injury coverages carry the same minimums, 25/50 ($25,000 per person injured, up to $50,000 total). However, these policies help cover the cost of your injuries should you be struck by a driver with inadequate liability coverage.

Personal injury protection (PIP) coverage of at least $30,000 per person is also required. This policy helps pay for medical expenses and loss of wages caused by an auto accident, regardless of who was at fault. (It's also called no-fault coverage.) You may choose to purchase additional PIP coverage which applies after the original $30,000 has been exhausted.

North Dakota auto insurance companies will also offer optional collision and comprehensive coverages.

How North Dakota auto insurance rates are set

For better or for worse, the price of North Dakota auto insurance is decided by the behavior of the state's drivers as a whole. North Dakota auto insurance companies take the cost of providing insurance for North Dakota drivers (this includes settlements and legal fees) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all auto insurance providers figure their percentages the same way. So they'll charge different rates on the same driver.

What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an North Dakota auto insurance policy.

Fortunately,shopping around is easy to do online.

Where you can get North Dakota auto insurance quotes.

The following web sites will help you find North Dakota car insurance quotes: (these links will open in a new window)

  • ComparisonMarket is the best online insurance shopping service, with the highest rate of savings of any site.

Click here for your quote.

  • Netquote provides quotes directly from local agents, who can help you sort out the details of your policy and possibly help you save even more money.

  • Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!

  • Get quotes using your ZIP Code! You'll find insurers who offer quotes tailored specifically to your area:

To help speed up the process, you may wish to have some of the information needed for an online quote ready before you begin.

More ND car insurance help

If you want more help designing your ND auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains a lot of money saving advice too.

To find out more about ND auto insurance laws and regulations, visit the state's official website of the North Dakota Department of Insurance. Or read our short guide to no fault auto insurance.

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