Comparing auto insurance in North Dakota is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
North Dakota drivers may want to consider comprehensive coverage because hail, fire, theft, vandalism, falling objects, winter weather and animal collisions can cause losses that state-minimum liability, UM/UIM and PIP coverage will not fully address.
North Dakota average rates are below Bankrate’s listed national averages for both full and minimum coverage, but premiums can rise after speeding tickets, at-fault accidents, DUI convictions, poor credit or coverage lapses.
25/50/25
North Dakota requires at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. North Dakota also requires uninsured motorist coverage of $25,000 per person and $50,000 per accident, underinsured motorist coverage equal to uninsured motorist coverage, and basic no-fault/PIP coverage of $30,000 per person.
No Fault
Required
North Dakota is a no-fault state and requires basic no-fault/PIP coverage of $30,000 per person. Basic no-fault coverage helps pay economic losses such as medical expenses and work loss after an accidental injury, without regard to fault.
Required
North Dakota requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. Underinsured motorist coverage must be equal to uninsured motorist coverage.
Recent rate data estimates North Dakota annual auto insurance premiums at about $1,801 for full coverage and $397 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $397 | $33 |
| Full coverage | $1,801 | $150 |
| Full coverage with speeding ticket | $2,180 | $182 |
| Full coverage after at-fault accident | $2,400 | $200 |
| Full coverage after DUI | $3,540 | $295 |
| Full coverage with poor credit | $4,055 | $338 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
North Dakota minimum coverage focuses on required protection such as North Dakota requires at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability. North Dakota also requires uninsured motorist coverage of $25,000 per person and $50,000 per accident, underinsured motorist coverage equal to uninsured motorist coverage, and basic no-fault/PIP coverage of $30,000 per person.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
North Dakota may require an SR-22 filing as proof of future financial responsibility after certain violations or events, including DUI, actual physical control, driving under revocation, driving under suspension for 91 days or more, uninsured crashes, civil judgments from motor vehicle crashes, motor-vehicle-related manslaughter, negligent homicide, or a felony involving a motor vehicle. NDDOT says proof of financial responsibility must generally stay on file for one year from reinstatement, temporary restricted license issuance, or the uninsured crash date.
North Dakota does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your North Dakota auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to North Dakota drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, low-mileage and telematics discounts. North Dakota drivers who voluntarily complete an approved defensive driving course may also be eligible by law for a premium discount.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Progressive |
| 2 | Geico |
| 3 | American Family |
| 4 | USAA |
| 5 | Allstate |
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major North Dakota cities:
North Dakota requires 25/50/25 liability coverage: $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability. Drivers must also carry uninsured motorist coverage of $25,000 per person and $50,000 per accident, underinsured motorist coverage equal to uninsured motorist coverage, and $30,000 per person in basic no-fault/PIP coverage.
Yes. North Dakota is a no-fault state. Basic no-fault/PIP coverage helps pay economic losses such as medical expenses and work loss after an accidental injury, regardless of who caused the crash. Fault can still matter for vehicle damage and liability claims.
Yes. North Dakota requires basic no-fault/PIP coverage of $30,000 per person.
Yes. North Dakota requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. Underinsured motorist coverage must be equal to uninsured motorist coverage.
Bankrate lists North Dakota’s average annual cost at $1,801 for full coverage and $397 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
North Dakota may require an SR-22 filing after certain suspensions, revocations, uninsured crashes, DUI or actual physical control convictions, civil judgments and other serious motor-vehicle-related offenses. NDDOT says proof of financial responsibility generally must remain on file for one year from the applicable reinstatement, temporary restricted license or uninsured crash date.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
