North Dakota drivers are required to carry minimum liability insurance to legally operate a vehicle. As an at-fault state, the driver responsible for a crash pays for the damages. Here’s a fresh overview of the 2025 insurance requirements.
Coverage You Can’t Skip in North Dakota
The following minimum insurance limits are required:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
Also referred to as 25/50/25 coverage.
Uninsured/Underinsured Motorist Coverage In North Dakota
To protect yourself if the at-fault driver doesn’t have enough coverage, North Dakota requires:
- Uninsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
This helps cover your medical expenses if you’re injured by an uninsured or underinsured driver.
Should North Dakota Drivers Opt For These Coverages
Although not mandatory, these optional policies can offer additional protection:
- Collision and Comprehensive Coverage
- Medical Payments (MedPay)
- Roadside Assistance
- Rental Car Reimbursement
These extras can safeguard you and your vehicle in a range of scenarios.
Consequences of Driving Without Insurance
Failing to maintain the required coverage can result in:
- Fines and court fees
- Driver’s license suspension
- Vehicle registration suspension
- SR‑22 filing requirement to reinstate privileges
Keeping your policy current is essential to stay compliant and protected.
Carrying Proof of Insurance
North Dakota drivers must have proof of current insurance and present it during traffic stops or vehicle registration. Acceptable forms include:
- Printed insurance card
- Mobile app or digital proof of coverage
Always keep valid proof accessible while driving.
Frequently Asked Questions about North Dakota Car Insurance
What are North Dakota’s minimum car insurance requirements in 2025?
North Dakota requires at least $25,000 in bodily injury liability per person, $50,000 per accident, $25,000 in property damage, $30,000 in Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage of $25,000/$50,000.
Does North Dakota verify insurance electronically?
No. North Dakota does not currently operate a real-time electronic verification system, but drivers must present proof of insurance when requested by law enforcement.
What are the penalties for driving without insurance in North Dakota?
Penalties include fines up to $1,500, suspension of license and registration, and a requirement to file SR-22 insurance for reinstatement.
Do you need insurance to register a vehicle in North Dakota?
No. Proof of insurance is not required at the time of registration, but must be maintained at all times and shown upon request.
Curious how North Dakota compares? See neighboring states:
Minnesota,
South Dakota,
Montana, and
Nebraska.