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North Dakota Car Insurance
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Common questions about North Dakota auto insurance
Need car insurance in North Dakota? Whether you live in Bismarck or Fargo, Liberty Mutual 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.1
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 considered 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 $1,3172 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.
What North Dakota car insurance coverage is right for you?
All North Dakota drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your North Dakota car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in North Dakota?
Liberty Mutual knows that everyone has different needs for their North Dakota auto insurance. Some may want the cheapest North Dakota car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your North Dakota car insurance, so you only pay for what you need.
Who has the cheapest car insurance in North Dakota?
Getting the cheapest car insurance in North Dakota sounds great, but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.
A Liberty Mutual auto insurance policy can cost less than you think.3
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate