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Car Insurance in North Dakota

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North Dakota Minimum Car Insurance Requirements

In North Dakota, car insurance is mandatory for all drivers. North Dakota has provisions for liability coverage, uninsured and underinsured motorist coverage, and basic no-fault insurance.

Liability insurance covers only the other car and/or that car’s driver and passengers when you are found at fault for the accident. Your liability insurance minimums for North Dakota are::

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident

Uninsured coverage pays your bodily injury expenses in claims you have against another drive who does not have insurance. This coverage does not cover damage to your vehicle.

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury per accident
Underinsured coverage pays for bodily injury claims that are the fault of the other driver when they do not have enough liability coverage. 
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury per accident

Basic no-fault insurance provides coverage for economic loss (such as medical expenses and loss of income due to an inability to work) as a result of an accident with no regard to fault. This insurance is also called Personal Injury Protection or PIP insurance.

  • $30,000 per person per accident

While minimum car insurance requirements in North Dakota are predefined, they are not meant to be a cap on how much coverage you can or should get. You may personally opt for more coverage to protect your financial assets and your vehicle and/or passengers.

If you’re interested in getting a car insurance quote in North Dakota, contact your American Family Insurance agent to discuss what type of protection is best for your needs and what discounts may apply in your region.