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North Dakota Auto Insurance

North Dakota auto insurance has several coverage requirements. First, North Dakota law requires that all drivers purchase basic liability coverage. This type of coverage helps pay for any damages to other people or property if you cause an accident. Second, North Dakota auto insurance requires minimum levels of uninsured motorist bodily injury protection. This coverage pays for damages occurring when a driver without adequate insurance strikes you. The last requirement for North Dakota drivers is personal injury protection (PIP) coverage.

North Dakota Auto Insurance Coverage Requirements

North Dakota auto insurance requires minimum liability limits of 25/50/25. When a driver damages another person or property, this minimum coverage pays a maximum of $25,000 per person injured, up to $50,000 for all injured, and up to $25,000 for any property damages.

The personal injury protection (PIP) has to be at least $30,000. This coverage helps pay for medical expenses and loss of wages regardless of who was at fault in the accident. This coverage is often referred to as "no fault auto insurance."

Finally, the uninsured motorist bodily injury protection has minimums of 25/50, which pays $25,000 per person and up to $50,000 for all injured. This coverage helps protect you in case you are injured by a person driving without adequate insurance.

You may also want to consider additional coverage for collision and comprehensive damages. These are optional (unless you finance or lease your car), but they will provide coverage for your vehicle and property if you cause and accident.

North Dakota Auto Insurance Rates

North Dakota has the cheapest auto insurance in the country! Drivers spent an average of $536 for coverage in 2003. North Dakota motorists spent on average $245 for liability coverage, $205 for collision coverage, and $244 for comprehensive coverage in that year.

How Rates are Determined

All insurance companies calculate rates in a slightly different way, but there are two major components that all carriers use. First, they will consider statewide factors that affect the cost of providing insurance to the entire state. All drivers in the state will end up paying for a piece of these costs, which include:

  • The costs of lawsuits and legal settlements
  • Traffic statistics for the whole state
  • The costs associated with insurance fraud in the North Dakota
  • Other operations expenses, including facilities and tax rates

After the overall costs for the state are calculated into the premium equation, individual driver information is used to place them into risk categories. The riskier the insurance company considers a driver to be, the more they will pay for insurance. The factors that determine this risk level can include everything from your age, gender, and type of vehicle to your credit history, occupation, and level of education.

North Dakota Auto Insurance Companies

There are dozens of companies from which to choose when purchasing auto insurance in North Dakota. Coverage can range from cheap and low-service to very expensive and high-quality, with everything in between. Make sure you shop around to get the coverage and rates that are right for your individual circumstances.

North Dakota Official State Resources

For more information on North Dakota auto insurance, visit the North Dakota Department of Insurance. They can be contacted at:

North Dakota Department of Insurance
State Capitol, Fifth Floor
600 East Boulevard Avenue
Bismarck, ND 58505-0320
Phone: (701) 328-2440


For other North Dakota Insurance Resources, See:


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