North Dakota car insurance: minimums, prices and your estimate
North Dakota requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
North Dakota is a no-fault state, so every policy includes $30,000 of personal injury protection (PIP). Uninsured and underinsured motorist coverage are both required as well.
- Legal minimum
- 25/50/25 + $30k PIP
- Fault system
- No-fault
- Personal injury protection
- Required, $30,000 minimum
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (generally 1 year)
What drivers in North Dakota can expect to pay
Monthly ranges from our model, anchored to North Dakota's position in 7 published price studies from 2025 and 2026 ($2,080 a year for full coverage and $520 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $149-$198 | $2,080 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $38-$49 | $520 |
| Young driver, full coverage20, own policy, clean record | $278-$416 | $4,160 |
| Senior, full coverage70, clean record | $143-$190 | $1,997 |
| After one at-fault accident35, full coverage | $223-$297 | $3,120 |
| After a DUI35, full coverage | $261-$391 | $3,910 |
| Poor credit35, clean record, full coverage | $266-$383 | $3,890 |
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Rules worth knowing in North Dakota
- PIP pays up to $30,000 per person for economic losses such as medical bills. A lawsuit over an injury generally requires a serious injury, which includes death, certain listed injuries or more than $2,500 in medical expenses.
- Uninsured and underinsured motorist coverage must each be at least 25/50. You can buy more uninsured coverage, up to your bodily injury limits or 100/300, whichever is lower, and your underinsured limits must match it.
- Insurers may use credit, but not as the only reason to deny, cancel or nonrenew a policy, and having no credit history cannot count against you. You can ask for a credit re-rate once a year at renewal.
- When proof of financial responsibility is required, the state also accepts a bond, a $25,000 cash or securities deposit with the Bank of North Dakota, or self-insurance for people with more than 25 registered vehicles.
- After a no-insurance violation, North Dakota requires an SR-22 style certificate from your insurer to stay on file for 1 year, plus a $50 fee; for other cases, such as a DUI, check the period with the North Dakota Department of Transportation.
Questions about North Dakota car insurance
What is the minimum car insurance in North Dakota?
North Dakota requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in North Dakota per month?
For a 35-year-old with a clean record, our model puts full coverage at about $149 to $198 a month and state-minimum coverage at about $38 to $49. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is North Dakota a no-fault state?
No-fault state: your own personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and lawsuits are limited to more serious injuries.
Can insurers in North Dakota use my credit score?
Yes. Many insurers in North Dakota use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in North Dakota?
Only if a court or the state requires one, usually after a serious violation or a lapse. After a no-insurance violation, North Dakota requires an SR-22 style certificate from your insurer to stay on file for 1 year, plus a $50 fee; for other cases, such as a DUI, check the period with the North Dakota Department of Transportation.