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Car insurance in North Dakota

Get the cheapest car insurance in North Dakota for 2021

North Dakota drivers pay an average of $844.18 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $70.35 per month. North Dakota drivers pay about 29% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

North Dakota car insurance quick facts

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Minimum liability requirements


Average annual car insurance cost according to the NAIC


No-fault state

In no fault states, each driver pays for their own damages in an accident.

North Dakota state minimum car insurance requirements

Drivers in North Dakota are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/20, but we’ll break down what that means.

    Bodily Injury Liability

    North Dakota bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    North Dakota requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    North Dakota property damage liability

    • $25,000 property damage liability

    North Dakota requires drivers to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit, but common across the states.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    North Dakota uninsured motorist

    • $25,000 uninsured motorist bodily injury per person
    • $50,000 uninsured motorist bodily injury per accident

    North Dakota requires all drivers to carry $25,000 of uninsured motorist bodily injury per person and $50,000 uninsured motorist bodily injury per accident to legally drive. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for medical bills for you and your passengers.

    Personal injury protection or medical payments

    North Dakota personal injury protection

    • $30,000 personal injury protection

    North Dakota drivers are required to carry $30,000 worth of personal injury protection to legally drive.

    This coverage helps pay your or your passenger’s medical expenses if you’re injured in an accident, regardless of fault.

    Finder tip: North Dakota state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in North Dakota, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    Most popular North Dakota auto insurance companies list

    CompanyDirect premiums written (billions)Market share
    State Farm$67,26113.6%
    American Family$43,6278.9%
    Nodak Mutual$42,1688.6%
    QBE Insurance$41,8438.5%
    Grinnell Mutual$16,8363.4%
    Center Mutual$15,4143.1%

    Which city has the cheapest car insurance in North Dakota?

    Of North Dakota’s largest cities, Grand Forks has the cheapest rates and Bismarck has the most expensive car insurance rates. Bismarck drivers could face rates 1.5 times more than Grand Forks drivers.

    Car insurance quotes in Fargo

    CompanyAnnual car insurance rate
    21st Century$499

    Car insurance quotes in Grand Forks

    CompanyAnnual car insurance rate
    21st Century$541

    Car insurance quotes in Bismarck

    CompanyAnnual car insurance rate
    21st Century$492

    Car insurance quotes in Minot

    CompanyAnnual car insurance rate
    21st Century$547

    Car insurance quotes in West Fargo

    CompanyAnnual car insurance rate
    21st Century$519

    Compare car insurance providers in North Dakota

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    How do I get SR-22 insurance in North Dakota?

    This is something your insurer will do for you once you let them know it’s being required by law. Typically when you have to file an SR-22 form in North Dakota, there’s a court order involved.

    North Dakota Automobile Insurance Plan (NDAIP)

    The North Dakota Automobile Insurance Plan can help high-risk drivers find minimum insurance coverage by assigning them to one of several area providers. All North Dakota car insurance companies are required to participate in the plan, so that every driver on the road is provided proper coverage. However, if you apply for coverage through the NDAIP, you can probably expect to pay more for your car insurance.

    Bottom line

    Since North Dakota requires you to carry car insurance and because you face financial and legal consequences if you don’t, your best route is to look for a conventional car insurance policy that works for you.

    To learn more about these topics, from laws and regulations to finding the best values and policies out there, visit our comprehensive guide to car insurance.

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