North Dakota car insurance: requirements & free quotes
North Dakota is a no-fault state requiring $30,000 of personal injury protection along with liability and UM/UIM coverage. Harsh winters, rural highways and deer collisions are everyday considerations for drivers.
Minimum coverage in North Dakota
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Personal injury protection (PIP) $30,000
Uninsured/underinsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/25 + PIP 30,000 + UM/UIM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in North Dakota
- Comprehensive coverage covers deer collisions and hail damage.
- Roadside assistance is valuable on long rural drives in winter.
- Consider raising UM/UIM limits above the minimum.
- Ask about multi-vehicle and bundling discounts.
We connect drivers across North Dakota
Including Fargo, Bismarck, Grand Forks, Minot and West Fargo — and smaller towns in between. Availability depends on agencies serving your ZIP code.
North Dakota car insurance FAQ
Yes. North Dakota is a no-fault state, so after most accidents your own personal injury protection (PIP) pays for your injuries first, regardless of who caused the crash. Lawsuits are limited unless injuries meet the state's threshold.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.