Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 17, 2021

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Here's what you need to know...

  • North Dakota operates under no-fault car insurance laws, and all drivers are required to obtain car insurance
  • Basic no-fault car insurance is offered typically only in no-fault car insurance states and provides coverage for financial loss as a result of injuries sustained in a car accident without regard to fault
  • Make sure to compare rates with multiple companies to see who offers the best rates

North Dakota operates under no-fault car insurance laws and all drivers are required to obtain car insurance. If you are new to North Dakota and not familiar with no-fault car insurance it’s important to understand exactly how no-fault car insurance works.

Only a dozen states have no-fault auto insurance laws. Typically car insurance requirements in no-fault states require personal injury protection, liability insurance, and more. Essentially, while other states wait for things like police reports to assign fault and determine who should pay, no-fault states expect insurance companies to pay for their insured driver’s damage after any accident based on their own coverage limits. Then they work it out on the backend to be reimbursed as needed. If you do not have collision insurance and you were hit by another driver, your insurance company would only pay you based on the coverage you do have. You’d still have to pursue additional coverage for your own property after the fact.

Need car insurance? Compare North Dakota car insurance companies for FREE with our quote tool above!

What Kind of Auto Insurance Do You Need in North Dakota?

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Since North Dakota operates under no-fault car insurance laws. This can be confusing for people coming from a state operating under the traditional tort system. The basic requirements are much the same. Even if you have a completely clean driving record, you can’t control other drivers on the road. If they cause an accident, you’ll still want the right coverage. A few options you can choose from include:

  • Liability Insurance: This is required in virtually every state to drive legally. Liability coverage covers the other party’s auto damage and injuries when you’re at fault, and it can protect you from getting sued in small accidents.
  • Collision Insurance: Collision insurance protects you from large repair bills after an accident. Whoever was at fault, collision insurance will kick in and pay to repair or replace your car as needed. This is especially important in no-fault states that encourage you to move forward with your own insurance while waiting on things like police reports.
  • Comprehensive Coverage: Other cars aren’t the only thing you need to worry about on the road. Things like wildlife, a patch of ice that causes you to drive into a wall, and other things that don’t fall under collision coverage in North Dakota may be covered under comprehensive coverage.
  • Uninsured/Underinsured Motorist Coverage: Have you ever been in an accident with someone who was uninsured or underinsured? Unfortunately, this happens all the time. Sometimes they stop. Other times, you’re the victim of a hit and run. Uninsured/underinsured motorist coverage helps in these situations.

In addition to learning about the types of car insurance coverage available in North Dakota, you also have to learn what no-fault auto insurance means.

One of the benefits of no fault systems in car insurance is that they minimize nuisance lawsuits and expedite claims processing while lowering car insurance rates.

When a car accident happens in North Dakota, each driver’s own liability insurance protection will cover the damages they incurred.

There are still many conditions under which a driver can sue, especially when an accident is caused by extreme negligence or where damages exceed policy limits of auto policies, but most no-fault car insurance states have seen a rapid decline in car insurance lawsuits.

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North Dakota Car Insurance Requirements

North Dakota requires all drivers to have minimum mandatory levels of car insurance as follows:

  • Bodily Injury Liability $25,000 per person / $50,000 per accident
  • Property Damage Liability $25,000 per accident
  • Uninsured Motorist (UM) Coverage $25,000 per person/ $50,000 per accident
  • Underinsured Motorist (UIM) Coverage $25,000 per person/ $50,000 per accident
  • No-Fault Basic Car Insurance (PIP) $30,000 per person

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Basic no-fault car insurance is offered typically only in no-fault car insurance states and provides coverage for financial loss (such as medical costs and loss of income) as a result of injuries sustained in a car accident without regard to fault.

What is the penalty for driving with no insurance in North Dakota?

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Drivers convicted of operating a vehicle without the required car insurance are subject to a mandatory fine of at least $150.

However, if you become involved in a car accident operating a vehicle with no car insurance then your driver’s license will automatically be suspended and the state will charge 14 points to your driving record (enough to automatically trigger a suspension).

Average Monthly Car Insurance Rates in ND (Liability, Collision, Comprehensive)

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North Dakota Car Insurance Companies

Almost all major car insurance companies offer coverage to North Dakota residents including, however, North Dakota is home to almost 100 car insurance companies so take your time and look at both well-known car insurance companies and regional providers.

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in ND.

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Six major factors affect auto insurance rates in ND. Which car insurance factors will affect your rates the most? Find out below:

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Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in North Dakota.

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Now let’s see who is the cheapest car insurance company in North Dakota.

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Who are the largest auto insurance companies in ND?

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The key to finding the best ND car insurance rates will be to start a car insurance quote comparison search online.

Compare North Dakota car insurance rates for free today!