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- Auto Insurance by State
- North Dakota Car Insurance
Get a North Dakota car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in North Dakota
North Dakota drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programNorth Dakota minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in North Dakota. To drive legally, you need to have at least the following coverage amounts and minimums in North Dakota.4
Coverage | Amount |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
| Personal Injury Protection (PIP) Coverage | $30,000 per person |
Learn more about state insurance requirements at the North Dakota Insurance Department.
Average car insurance cost in North Dakota, 2026
According to 2026 data, the average cost of “full” coverage car insurance in North Dakota is about $1,248 per year.
Drivers in North Dakota will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
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 liability insurance is required in North Dakota?
North Dakota law requires drivers to carry liability car insurance. This coverage helps pay for injuries or property damage you cause to others in an accident. It does not cover damage to your own vehicle or personal belongings.
Drivers must carry at least the following minimum coverage:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
In addition, North Dakota requires:
- Uninsured/Underinsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident
- Personal Injury Protection (PIP): $30,000 per person
You may see liability limits written as 25/50/25.
Keep in mind, these are only the minimum requirements. You may want to consider higher limits or additional coverage for more financial protection.
What's considered "full coverage" car insurance in North Dakota?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of North Dakota you're only required to have the state minimum coverage.
However, “full car insurance” or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
Who offers cheap insurance in North Dakota?
Finding the cheapest car insurance in North Dakota may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate