North Dakota Car Insurance

Everything You Need To Know About Auto Insurance in North Dakota

If you are unsure where to start shopping for North Dakota car insurance, you have come to the right place. Here you can learn all about how to get affordable car insurance in North Dakota, so you can find the high-quality coverage you deserve at competitive prices and drive with the confidence that you are protected.

North Dakota has many outdoor areas for nature lovers: You can birdwatch over 250 bird species at Arrowwood National Wildlife Refuge’s protected natural prairies and wetlands or at the Audubon National Wildlife Refuge. Or visit the International Peace Garden, which connects North Dakota and Canada, for a day of hiking, biking, and kayaking, or simply admire its enchanting gardens.

The Red River Valley, once an ancient lake, consists of mineral-rich soil ideal for farming, while the Badlands are in the Missouri Plateau region. The state’s approximately 800,000 residents share this scenic landscape with wildlife like bison, bighorn sheep, moose, and muskrats. Whether you live in the capital of Bismarck or in a smaller town like Ryder, you share the state highways with all the other locals and state visitors.

You want the best car insurance in North Dakota to give you peace of mind as you travel the state. And to get started, you might have questions:

• How much does car insurance cost in North Dakota?
• What are the car insurance laws in North Dakota?
• How can I get affordable car insurance in North Dakota?

The expert agents at InsureOne can help you with answers for your unique situation and find you top-tier coverage.

How Much Does Car Insurance Cost in North Dakota?

Drivers pay an average cost of around $2,439 for full coverage and $462 for minimum liability insurance in North Dakota. This is about 20% more than the national average of $2,014 for full coverage and about 25% less than the national average of $622 for minimum coverage.

The reasons for North Dakota’s car insurance rates include the occurrence of natural disasters, which have been increasing in recent years. There were two severe storms in the state in 2025 with straight-line winds and an EF-5 tornado in Enderlin that caused major damage. The chances of future storms, along with higher car repair and replacement costs, mean insurers face increased risk.

What Does It Mean That North Dakota Is a No-Fault State?

North Dakota’s at-fault vs. no-fault rules designate who pays for losses resulting from a car accident: In an at-fault state, the person responsible for causing the crash pays for the damage. This is different than the no-fault state of North Dakota, where each driver pays for their own medical costs, but the at-fault driver pays for the property damage.

Affordable Car Insurance Rates Comparison by Cities in North Dakota

Your ZIP code is one factor insurers review when determining your rate. The chart below compares car insurance quotes in North Dakota in order from the most populated to the least populated cities:

City	Full Coverage Insurance	Liability Insurance Coverage
Fargo	$152	$34
Bismarck	$181	$34
Grand Forks	$157	$34
Minot	$172	$33
Dickinson	$177	$31
Jamestown	$166	$29
Horace	$160	$32

We arrive at our average auto insurance costs by using a male driver, aged 30, with a clean driving record. Liability insurance coverage is the state‑required minimum. Full coverage is a 100K/300K/100K policy. Your costs will be different and based on your individual factors.

Auto Insurance Discounts in North Dakota

There are other ways to get a lower car insurance premium. Ask your agent about discounts for car insurance in North Dakota. You may qualify for a discount if you fit one of the following situations:

• Pass an approved driver safety course
• Have airbags or antilock brakes
• Have an anti-theft device
• Claim-free record
• No tickets
• Senior

The North Dakota Automobile Insurance Plan, also known as the assigned risk plan, helps drivers who may have trouble getting vehicle coverage for reasons such as a poor driving record. If you are a North Dakota resident with a vehicle registered in the state, you have a current, valid ND driver’s license, and no unpaid auto coverage for the preceding 12 months, you may be eligible for this plan. While this insurance may cost more than regular-market coverage, it is a viable option to fulfill your North Dakota DMV insurance requirements.

North Dakota Car Insurance Laws

What are the car insurance laws in North Dakota? DMV insurance requirements mandate that all drivers must carry minimum coverage. If a police officer catches you driving without it, you face penalties, including a requirement for SR-22 insurance in North Dakota. Here are additional details about North Dakota auto insurance laws:

What Are the Mandatory Car Insurance Requirements in North Dakota?

North Dakota’s DMV insurance requirements state that drivers carry the following:

• Bodily injury liability per person: $25,000
• Bodily injury liability per accident: $50,000
• Property damage liability: $25,000
• Uninsured/underinsured motorist for bodily injury per person: $25,000
• Uninsured/underinsured motorist for bodily injury per accident: $50,000
• Personal injury protection (PIP): $30,000 per person

Here is a bit more about North Dakota’s at-fault vs. no-fault rules: The required bodily injury liability pays for any medical costs exceeding the personal injury protection limits. So, for example, if your accident injuries cost $40,000 in medical bills ($10,000 over your PIP coverage), the at-fault driver’s $25,000 in bodily injury liability should cover the extra $10,000 (depending on the specific circumstances).

If you are still paying on a car loan, your lienholder may require you to have full coverage car insurance in North Dakota to protect their interests. Full coverage includes collision coverage for your own property damage and comprehensive coverage for your property damage from non-collision events like fire, theft, and vandalism.

Your expert agent can go over these details more in-depth and help you find the best car insurance in North Dakota, personalized for your situation and with cost savings.

What Is the Penalty for Driving Without Insurance in North Dakota?

Driving without insurance is illegal in North Dakota. If you are caught, you face the following consequences:

First offense:

• Fines of up to $1,000
• License suspension and $50 reinstatement fee
• Mandatory SR-22 insurance

Second and subsequent offense:

• Fines of up to $5,000
• License suspension and $50 reinstatement fee
• Jail time (up to 30 days)
• Mandatory SR-22 insurance

Your insurance company must file the SR-22 certificate on your behalf for your SR-22 insurance in North Dakota, showing that you meet the minimum car insurance requirements in the state.

What Factors Does North Dakota Law Allow in Determining Your Premiums?

Your unique premium is based on your personal information. Agents determine your potential risk by reviewing this information. Here are some of those factors:

• Mileage
• Your age
• Your gender
• Claims history
• Your marital status
• Your driving record
• Car make, model, and age
• Crime and accident statistics in your ZIP code

Driving Conditions in North Dakota

North Dakota experiences weather of the four seasons with warm summers and about 37 inches of snow each winter, with temperatures averaging 24 degrees. North Dakota’s Department of Transportation (NDDOT) uses snowplows, snow blowers, and bulldozers to clear roadways. While it is legal to pass snowplows, doing so is discouraged for safety reasons. You must comply with the “Move over Law” — if you see an NDDOT maintenance vehicle with flashing lights, you must move over.

Certain North Dakota roadways have a reputation for being more dangerous than others. U.S. Highway 83, which runs north-south through the state, has narrow lanes and frequent construction, while sharp curves and narrow, shouldered lanes on I-94 contribute to a high number of serious traffic accidents each year. If you want to know how to get affordable car insurance in North Dakota to keep you financially protected on these roads, ask your InsureOne agent.

To stay up to date with North Dakota road conditions, visit NDDOT’s Road Conditions and Weather Resources.

How Many Crashes Occur in North Dakota?

There were 89 fatal traffic accidents in 2024 in North Dakota, according to the National Highway Traffic Safety Administration. Here is where some of those accidents happened:

City	Annual Average Number of Fatal Car Crashes
Fargo	5
Bismarck	6
Grand Forks	0
Minot	0
Dickinson	0
Jamestown	0
Horace	0

Uninsured/Underinsured Motorists in North Dakota

The Insurance Information Institute statistics show that 10.6% of North Dakota drivers were uninsured in 2023, ranking it 37th among the 50 states.

The good news is that the minimum car insurance requirements in North Dakota include uninsured/underinsured motorist bodily injury protection. This required coverage helps protect you from accidents with these drivers.

FAQs

How Much Does Car Insurance Cost in North Dakota?

You will pay about $2,439 for full coverage car insurance in North Dakota and $462 for minimum liability insurance.

What Are the Minimum Car Insurance Requirements in North Dakota?

North Dakota auto insurance laws require drivers to carry $25,000 in bodily injury protection per person and $50,000 per accident, $25,000 in property damage liability, $25,000 in uninsured/underinsured bodily injury per person and $50,000 per accident, and $30,000 in personal injury protection.

Is North Dakota an At-Fault or No-Fault State for Car Insurance?

North Dakota’s at-fault vs. no-fault rules mandate that drivers each pay the cost of their own medical damages in an accident, making North Dakota a no-fault state. The at-fault driver, however, is responsible for property damage costs in an accident.

What Factors Influence Car Insurance Rates in North Dakota?

Your rate depends on a number of factors: whether you have full coverage car insurance in North Dakota, liability insurance, or liability with just a few add-ons, such as GAP (which pays your lender for your remaining auto loan if your car is a total loss) and towing coverage. Insurers also review your unique information, including where you live, what kind of car you drive, your age, and marital status.

Ask your agent to apply any discounts and compare car insurance quotes in North Dakota.