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North Dakota Car Insurance Guide

Shopping for car insurance in North Dakota can be a daunting task. At we put together this guide that lists what you need to know so you can easily get the car insurance policy that fits your personal needs - at the lowest rate.

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Minimum Requirements

North Dakota is a no-fault state meaning if you are involved in an accident you file claims with your own personal injury protection first. If limits are exceeded you can then file a claim with the at-fault party’s liability insurance. Car insurance is mandatory in North Dakota and penalties will be issued if you are caught without it. Here is a list of the minimum car insurance requirements: 

Bodily Injury Liability Coverage $25,000 per person and $50,000 per accident.
Property Damage Liability Coverage $25,000 per accident.
Uninsured/Underinsured Motorist Bodily Injury $25,000 per person and $50,000 per accident. 
Personal Injury Protection $30,000 per accident. 


Do I Need More Than the Minimum Coverage?

Plainly put, yes. It might appear as though the minimum required car insurance has got you covered in North Dakota, but in reality, the limits are not very high. This leaves you at a higher risk of paying out-of-pocket. If you increase the limits and/or added additional coverages you would be protected better. We always encourage you to buy as much car insurance as you can afford.


Additional Coverages Available

We compiled this list of additional coverages, it can assist you in deciding how to protect your assets:

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Drivers in North Dakota

In North Dakota at 14 years old, a teen can start driving with a learners permit. When this happens it is time to start looking for car insurance. We will break the news now, insuring a teen driver is expensive. Adding a teen to an existing policy is the most cost-efficient avenue. There are a few different discounts available for teen drivers. We recommend checking with your insurance company to see what specific discounts they offer.  


Multiple Drivers in North Dakota

If you live in a home with multiple drivers it is important to share this information with your car insurance company. This will ensure you have the right policy to meet your needs. It can also save you from any potential out-of-pocket costs in the future. 

If you want to exclude a driver from your policy you can do so. But it is not smart to let them drive your vehicle because they are not covered by your insurance. Any damages would be your responsibility and result in out-of-pocket expenses.


Penalties for Driving Without Car Insurance in North Dakota

Having the minimum required car insurance is a must in North Dakota. If you do not have it you are setting yourself up for penalties and possibly even jail time. Here is a list of the penalties if you are found to be driving without car insurance:

  • First Offense- You will pay a fine of $150 to $1,000. Your driver's license will be suspended until you provide proof of car insurance. You will have to pay a reinstatement fee of $50. You will have to retake your driver's test and pay court fees as well. You will be required to file an SR-22 for a year.

  • Second and Subsequent Offenses (within a year)- You will pay a fine of $300 to $5,000. You could be sentenced to 30 days in jail. Your driver's license will be suspended until you provide proof of car insurance. Your license plate will be removed. You will have to pay a reinstatement fee of $50. You will also have to retake your driver's test and pay court fees as well. You will be required to file an SR-22 certificate for a year. 


Car Insurance Discounts in North Dakota

If you have to purchase car insurance, why not try to get it for the best price possible. Car insurance discounts are pretty common and there is a discount out there for everyone. We always suggest asking your car insurance company for a complete list of discounts they offer. We have compiled a short list of discounts available in North Dakota to get you started:

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


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