North Dakota Car Insurance Requirements for 2025 (Coverage ND Mandates)
Understanding North Dakota's car insurance requirements, which include 25/50/25 for bodily injury liability per person/accident and property damage liability, ensures that drivers are financially protected in the event of an accident. ND car insurance rates are quite affordable, with premiums as low as $12/mo.
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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
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UPDATED: Jan 27, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jan 27, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Understanding North Dakota car insurance requirements is essential for staying compliant and protected on the road. Drivers must carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability, known as 25/50/25 coverage.
These limits help cover costs if you’re at fault in an accident. With rates starting as low as $12/month, affordable options are available to meet state-mandated coverage.
North Dakota Minimum Car Insurance Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
This guide explains the required coverages, optional policies, and how to find the best rates. Compare car insurance quotes today to secure the coverage you need.
To find the best insurance provider more easily, this article will help with everything you need to know. Simply enter your ZIP code to take the first step toward securing the right ND coverage for your car.
- North Dakota car insurance requirements have 25/50/25 coverage limits
- USAA offers the cheapest rates for ND drivers, starting as low as $12/mo
- Driving uninsured in ND can result in fines, license suspension, and other penalties
North Dakota Car Insurance Requirements & What They Cover
North Dakota car insurance laws mandate all personal vehicles to carry liability coverage to meet the state’s minimum requirements. According to North Dakota auto insurance requirements, drivers must have mandatory bodily injury liability coverage of at least $25,000 per person and $50,000 per accident, along with $25,000 in property damage liability.
The minimum car insurance in North Dakota ensures financial protection for at-fault drivers and complies with North Dakota insurance laws. Liability insurance coverage is essential for covering medical bills, repair costs, and other expenses resulting from an accident you cause.
Understanding North Dakota car insurance requirements helps drivers avoid penalties and ensures they are adequately protected under the state’s insurance laws.
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Cheapest Car Insurance in North Dakota
Finding the cheapest car insurance in North Dakota is essential for staying compliant with North Dakota auto insurance laws and protecting your finances.
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3,019 reviewsUSAA offers the most affordable option, with rates starting as low as $12/month, but it is available only to military members and their families. For other drivers, State Farm provides coverage for $21/month, making it the second-cheapest option.
Nationwide follows closely at $22/month, offering competitive rates while meeting North Dakota insurance requirements, including mandatory bodily injury liability coverage of 25/50/25. These options ensure affordable solutions for drivers seeking to fulfill the state’s minimum car insurance needs.
North Dakota Min. Coverage Car Insurance Monthly Rates by City
| City | Monthly Rates |
|---|---|
| Beulah | $63 |
| Bismarck | $65 |
| Devils Lake | $58 |
| Dickinson | $62 |
| Fargo | $68 |
| Grand Forks | $66 |
| Horace | $64 |
| Jamestown | $61 |
| Mandan | $63 |
| Minot | $64 |
| Valley City | $59 |
| Wahpeton | $60 |
| Watford City | $72 |
| West Fargo | $67 |
| Williston | $70 |
Monthly rates can also vary by city in North Dakota. For instance, drivers in Devils Lake enjoy some of the lowest rates, averaging $58/month, while residents in Fargo pay higher rates at $68/month.
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Cities like Bismarck and Grand Forks have rates around $65 and $66/month, respectively. Regardless of location, understanding North Dakota auto insurance requirements and comparing providers helps drivers secure the best possible rates while staying compliant with North Dakota insurance laws.
Read more: Most Stolen Cars in North Dakota
Other Coverage Options to Consider in North Dakota
In addition to meeting the North Dakota insurance requirements, drivers should consider other coverage options to enhance their protection on the road. While liability coverage is mandatory, these additional policies can provide valuable financial security in various situations.
- Uninsured/Underinsured Motorist: Uninsured/underinsured motorist insurance coverage protects you if you’re injured in an accident caused by a driver with insufficient or no insurance.
- Personal Injury Protection (PIP): Personal injury protection covers medical expenses, lost wages, and other costs regardless of who is at fault in an accident.
- Comprehensive Coverage: Comprehensive coverage pays for damages unrelated to collisions, such as theft, fire, vandalism, or natural disasters. It is especially useful if your vehicle is at risk for non-accident-related incidents.
- Collision Coverage: Collision car insurance covers the cost of repairing or replacing your vehicle after a collision, regardless of fault. This is particularly important for protecting newer or more valuable cars.
By understanding these additional options, North Dakota drivers can better tailor their policies to meet their needs. Combining these coverages with mandatory liability insurance in North Dakota ensures comprehensive protection and peace of mind in any driving scenario.
Penalties for Driving Without Auto Insurance in North Dakota
Driving without auto insurance in North Dakota carries significant penalties under North Dakota auto insurance laws, highlighting the importance of compliance.
Penalties for Driving Without Auto Insurance in North Dakota
| Offense | Penalty |
|---|---|
| First Offense | - Fine up to $1,500 - Possible suspension of driver’s license (up to 30 days) - SR-22 insurance requirement for 1 year |
| Second Offense | - Fine up to $1,500 - Suspension of driver’s license (up to 6 months) - SR-22 insurance requirement for 3 years |
| Subsequent Offenses | - Increased fines - Longer license suspensions - Potential vehicle impoundment - SR-22 insurance requirement for up to 3 years |
| Caught Without Proof of Insurance | - Fine of $150 - Citation dismissed if valid proof of insurance is shown within 20 days |
For a first offense, drivers face fines of up to $1,500, possible license suspension for up to 30 days, and an SR-22 insurance requirement for one year. Subsequent offenses lead to harsher consequences, including increased fines, longer license suspensions, vehicle impoundment, and extended SR-22 requirements.
Drivers caught without proof of insurance may incur a $150 fine, although this can be dismissed if valid proof is provided within 20 days. Additionally, being involved in an accident without insurance results in 14 points added to your license, leading to automatic suspension.
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Understanding North Dakota insurance requirements, such as carrying mandatory bodily injury liability, is crucial to avoid these severe penalties and maintain compliance with the North Dakota auto insurance guide.
Read more: Does my car insurance cover damage caused by a DUI or other criminal activity?
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Securing Car Insurance in North Dakota
Securing the right auto insurance in North Dakota ensures compliance with North Dakota car insurance laws and protects you financially. USAA offers the cheapest rates, starting at just $12/month, making it an excellent option for eligible drivers.
Meeting North Dakota’s mandatory bodily injury liability requirements and exploring additional coverages like comprehensive and collision car insurance can provide peace of mind.
By comparing providers and understanding North Dakota car insurance requirements, you can find affordable and reliable coverage while avoiding penalties. Take the first step today to protect yourself and your vehicle on North Dakota roads. See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
Frequently Asked Questions
Is car insurance required in North Dakota?
Yes, car insurance is mandatory in North Dakota. Drivers must carry liability coverage, including $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
How much is car insurance in North Dakota?
Car insurance in North Dakota starts as low as $12/month with USAA, but rates vary depending on your provider, location, and driving history.
Is it illegal to drive without insurance in North Dakota?
Yes, driving without insurance in North Dakota is illegal and can result in fines up to $1,500, license suspension, and SR-22 requirements. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
What is no-fault insurance in North Dakota?
No-fault insurance, also known as Personal Injury Protection (PIP), covers medical expenses and lost wages for you and your passengers, regardless of who caused the accident. Learn more about the different types of car insurance coverage in ND.
Is Geico in North Dakota?
Yes, Geico offers car insurance in North Dakota at competitive rates. Drivers can also find many Geico car insurance discounts.
How much is title insurance in North Dakota?
Title insurance in North Dakota typically costs between $500 and $1,500, depending on the property value and location.
What is the grace period for car insurance in North Dakota?
North Dakota does not have a mandatory grace period for car insurance, so you must maintain continuous coverage to avoid penalties.
Read more: What does car insurance cover?
Can you drive at night with a permit in North Dakota?
Yes, you can drive at night with a learner’s permit in North Dakota if you are supervised by a licensed adult aged 18 or older.
How many types of insurance do I need?
The types of insurance you need depend on your circumstances, but common policies include car insurance, health insurance, homeowners or renters insurance, and life insurance (Read more: How does life insurance work?).
Is it legal to not have car insurance in the US?
No, car insurance is mandatory in almost all states, including North Dakota, to ensure financial responsibility for accidents.
What is the grace period for car insurance in North Dakota?
North Dakota generally does not mandate a grace period for car insurance. If your policy lapses, you could face fines, suspension, or other penalties. Find the best comprehensive car insurance quotes by entering your ZIP code into our free comparison tool today.
Compare The Best Insurance Quotes In The Country
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.