North Dakota Car Insurance Requirements (Updated for 2025)

North Dakota law mandates that all drivers maintain specific minimum car insurance coverage. Failure to comply can result in fines, suspension of driving privileges, and other penalties. It’s essential to understand these requirements to ensure you’re adequately protected and compliant with state laws.

📋 Minimum Required Coverage

In North Dakota, the following minimum liability insurance coverage is required:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $25,000 per accident
• Uninsured Motorist Coverage: $25,000 per person / $50,000 per accident
• Underinsured Motorist Coverage: $25,000 per person / $50,000 per accident
• Personal Injury Protection (PIP): $30,000 per person

Note: North Dakota is a no-fault state, meaning your PIP coverage pays for your medical expenses and lost wages regardless of who caused the accident.

📄 Proof of Insurance

Drivers must carry proof of insurance in their vehicle at all times. If a law enforcement officer requests proof of insurance and the driver cannot provide it, the officer may issue a ticket to both the driver and the vehicle owner.

🚫 Penalties for Driving Without Insurance

Penalties for driving without insurance in North Dakota are as follows:

• First Offense: Fine up to $1,000, license and registration suspension until proof of insurance is provided, $50 reinstatement fee.
• Second Offense: Fine up to $1,500, 30-day jail sentence, license and registration suspension until proof of insurance is provided, $50 reinstatement fee.

Additionally, if you are involved in an accident and do not have insurance, your driving privileges may be suspended until damages are paid and proof of insurance is provided.

🔄 SR-22 Requirement

If your driving privileges are suspended due to lack of insurance, you may be required to file an SR-22 form, which is a certificate of financial responsibility. This form must be maintained for a specified period, typically three years, to reinstate your driving privileges.

💡 Optional Coverages to Consider

While not required, you may consider the following optional coverages to enhance your protection:

• Collision Coverage: Pays for damages to your vehicle resulting from a collision.
• Comprehensive Coverage: Covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
• Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident.
• Rental Reimbursement: Provides coverage for rental car expenses while your vehicle is being repaired.
• Roadside Assistance: Offers services like towing, battery jump-starts, and flat tire changes.

📈 Average Insurance Rates

Insurance premiums can vary based on factors such as driving history, vehicle type, and location. It’s advisable to compare quotes from different insurers to find the best coverage at the most competitive rates.

📌 FAQs

Is North Dakota a no-fault state?

Yes, North Dakota is a no-fault state, meaning your Personal Injury Protection (PIP) coverage pays for your medical expenses and lost wages regardless of who caused the accident.

Can I drive without insurance if I can pay for damages out of pocket?

No, North Dakota law requires all drivers to maintain the minimum liability insurance coverage.

What should I do if I can’t afford car insurance?

If you’re unable to afford insurance, consider exploring low-cost insurance programs or seeking assistance from state-sponsored programs that may be available to eligible individuals.