North Dakota car insurance

Common questions about North Dakota
auto insurance

Need car insurance in North Dakota? Whether you live in Bismarck or Fargo, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your North Dakota auto insurance, so you only pay for what you need.

What car insurance is required in North Dakota?

In North Dakota, it's illegal to drive without insurance. Drivers in North Dakota are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability
Uninsured/Underinsured Motorist Coverage

Here are the minimum auto insurance limits drivers must have in North Dakota.²

Coverage	Amount
Bodily Injury to Others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident
Uninsured Motorist Coverage	$25,000 per person and $50,000 per accident
Basic no-fault/PIP coverage	$30,000 per person

Check out the North Dakota Insurance Department. for more details.

Is North Dakota a no-fault insurance state?

Yes, North Dakota is a no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In ND, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $30,000 per accident.

For injuries related to an auto accident, PIP can help cover

Medical bills
Lost wages
Out of pocket expenses like hiring someone to perform household tasks you can't due to injuries, and more

What's the average cost of car insurance in North Dakota?

The average cost of car insurance in North Dakota was $1,317³ in 2021 according to thezebra.com. That's 14% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on North Dakota auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with North Dakota state highlighted

Who has the cheapest car insurance in North Dakota?

Getting the cheapest car insurance in North Dakota may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴