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Auto Insurance — North Dakota

North Dakota requires 25/50/25 liability minimums and operates under a no-fault system with mandatory Personal Injury Protection. If you have a suspension in another state, the Driver License Compact reports it to North Dakota, triggering home-state action—and North Dakota accepts out-of-state SR-22 filings for certain suspension types.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Minimum Coverage Requirements in North Dakota

North Dakota operates under a no-fault liability system, meaning your own PIP coverage pays your medical bills regardless of fault. The North Dakota Department of Transportation requires proof of insurance at registration, renewal, and during traffic stops. As a Driver License Compact member state, North Dakota reports out-of-state convictions to your home state and applies home-state consequences to serious out-of-state violations you commit while licensed here.

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25/50/25
Liability Insurance
Covers bodily injury and property damage you cause to others. North Dakota requires $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage. If you have an out-of-state suspension requiring higher limits—common in DUI cases—you must carry the suspending state's minimums even while licensed in North Dakota, or reinstatement in the suspending state will fail.
$30,000
Personal Injury Protection (PIP)
Mandatory in North Dakota as a no-fault state. PIP pays your medical bills, lost wages, and funeral expenses regardless of fault, up to $30,000. If you hold an out-of-state license and commit a DUI in North Dakota, your home state receives a DLC report within 10 business days, and most states impose their own suspension on top of North Dakota's penalties—PIP does not transfer across state lines, so you need separate coverage in each state where you drive regularly.
25/50
Uninsured Motorist Coverage
Mandatory in North Dakota at the same limits as bodily injury liability. Covers you when an at-fault driver has no insurance. North Dakota allows you to reject this coverage only in writing at policy inception—verbal rejection doesn't count, and if the rejection form isn't signed, the carrier automatically adds the coverage and charges the premium.
Suspending state minimums
SR-22 Filing (Cross-State)
If your license is suspended in another state and you live in or move to North Dakota, the suspending state typically requires an SR-22 filing to reinstate. North Dakota accepts SR-22 filings from carriers licensed in the suspending state, but the filing must meet the suspending state's coverage minimums—not North Dakota's. For example, a California DUI suspension requires 15/30/5 minimums; a North Dakota carrier filing SR-22 on your behalf to California must certify those limits, even though North Dakota's minimums are higher.
Optional
Underinsured Motorist Coverage
Not required in North Dakota, but recommended if you have an out-of-state suspension history. If an at-fault driver's liability limits are lower than your damages, UIM pays the difference up to your policy's UIM limit. Commercial drivers with CDLIS-reported suspensions face higher underinsured exposure because violations follow them across all CDL-operating states, and many high-risk drivers carry only state minimums.
State-Mandated Minimum Coverage · North Dakota

North Dakota Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your North Dakota quote.

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How Much Does Car Insurance Cost in North Dakota?

North Dakota's no-fault system and mandatory PIP increase base premiums compared to tort states. Out-of-state suspensions reported through the Driver License Compact add 40–110% to your rate depending on violation type, and North Dakota carriers apply the suspending state's violation code when pricing your policy—so a Florida DUI codes the same as a North Dakota DUI for rating purposes.

What Affects Your Rate

  • North Dakota applies a 65% surcharge for DUI convictions reported through DLC, lasting 3 years from the conviction date—the surcharge applies even if the DUI occurred in another state.
  • Commercial drivers with CDLIS-reported violations pay 40–80% more than private passenger rates because the violation follows the driver across all operating states, not just the state of conviction.
  • Fargo and Bismarck drivers pay 12–18% more than rural North Dakota rates due to higher collision frequency and theft rates in the I-94 corridor.
  • Drivers with out-of-state suspensions requiring SR-22 filing face a $25–$50 monthly SR-22 filing fee on top of the base premium—some North Dakota carriers waive this fee if you maintain continuous coverage for 12 months.
  • North Dakota's no-fault system means PIP claims don't trigger the same rate increase as at-fault accidents in tort states—your first PIP claim typically adds 0–8% to your renewal premium, compared to 20–40% for an at-fault accident.
  • If you move to North Dakota with an active out-of-state suspension, expect a 90–120% rate increase until the suspending state lifts the suspension and the DLC updates your home-state record.
Minimum Coverage
$95–$130/mo
Meets North Dakota's 25/50/25 liability and $30,000 PIP minimums. Does not meet most out-of-state SR-22 reinstatement requirements if your suspending state requires higher limits.
Standard Coverage
$135–$180/mo
Includes 100/300/100 liability, $50,000 PIP, and uninsured/underinsured motorist at 100/300. Covers most out-of-state SR-22 reinstatement minimums and provides margin above North Dakota's mandated floors.
Full Coverage
$210–$285/mo
Adds comprehensive and collision with $500 deductibles. Required if you have a lienholder or lease, and recommended if you drive in multiple states regularly—cross-state accident liability follows the state where the accident occurred, not where you're licensed.

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Coverage Types

Cross-State SR-22 Insurance

Proof-of-insurance filing required by most states to reinstate a suspended license. The suspending state sets the requirement; the residing state recognizes it through the Driver License Compact.

Non-Owner SR-22

SR-22 filing attached to a non-owner liability policy. Covers you when driving vehicles you don't own, and satisfies SR-22 requirements without owning a car.

Uninsured Motorist Coverage

Pays your medical bills and lost wages when an at-fault driver has no insurance. Mandatory in North Dakota at 25/50 minimums.

CDL Cross-State SR-22

SR-22 filing for commercial drivers with CDLIS-reported violations. Federal CDLIS reporting means the violation appears on your CDL record in all states, not just the state of conviction.

Personal Injury Protection (PIP)

No-fault medical coverage paying your bills regardless of who caused the accident. Mandatory in North Dakota at $30,000 minimum.

Multi-State Liability Coverage

Liability coverage meeting the minimums of multiple states simultaneously. Required if you drive regularly in more than one state.

Find Your City in North Dakota

Fargo, North Dakota cityscape and street view

Fargo

suburban
Bismarck, North Dakota cityscape and street view

Bismarck

suburban
Modern multi-story building complex with curved dome feature and mixed facade colors during golden hour lighting

Grand Forks

urban
Panoramic sunset landscape with pink and purple sky streaks over silhouetted trees and horizon

Minot

urban
Peaceful pond surrounded by marsh grasses with residential houses visible in the background under blue sky

West Fargo

suburban

Frequently Asked Questions

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