North Dakota, one of the northernmost states, faces long winters with snow and ice that make safe driving essential. To legally operate a vehicle, North Dakota drivers must carry specific car insurance coverages. Unlike most at-fault states, North Dakota follows a no-fault insurance system, which means your own insurance pays for certain losses regardless of who caused the accident. Below is a complete breakdown of the 2025 insurance requirements.
Table of Contents
- Minimum Liability Coverage
- Personal Injury Protection (PIP)
- Uninsured/Underinsured Motorist Coverage
- Optional Coverages
- Penalties for Driving Without Insurance
- Proof of Insurance & Verification
- Frequently Asked Questions
Minimum Liability Coverage in North Dakota
Drivers must maintain at least the following liability limits:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
Known as 25/50/25 coverage. These limits protect other people if you are at fault in a crash.
Personal Injury Protection (PIP)
Because North Dakota is a no-fault state, PIP coverage is required. Minimum limits are:
- Medical Expenses: $30,000 per person
PIP helps cover medical bills and certain expenses for you and your passengers, regardless of who caused the accident.
Uninsured/Underinsured Motorist Coverage
To protect against drivers without enough coverage, North Dakota requires:
- Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
This ensures you have protection if hit by an uninsured or underinsured driver.
Optional Coverages to Consider
Many North Dakota drivers choose to add these optional policies:
- Collision and Comprehensive Coverage
- Medical Payments (MedPay)
- Roadside Assistance
- Rental Car Reimbursement
These provide broader protection for your vehicle and expenses.
Penalties for Driving Without Insurance
Consequences of driving uninsured include:
- Fines up to $1,500
- Suspension of driver’s license
- Suspension of vehicle registration
- SR-22 filing required to reinstate privileges
Proof of Insurance & Verification
North Dakota does not operate a real-time electronic insurance verification system. However, drivers must carry valid proof of coverage and present it when requested by law enforcement or during registration renewals.
Accepted forms include:
- Printed insurance ID card
- Digital proof on a mobile device
Frequently Asked Questions about North Dakota Car Insurance
What are North Dakota’s minimum car insurance requirements in 2025?
At least 25/50/25 liability, $30,000 PIP, and uninsured/underinsured motorist coverage of 25/50 are required.
Does North Dakota verify insurance electronically?
No. North Dakota does not use a real-time system, but proof of coverage must be presented upon request.
What are the penalties for driving without insurance?
Penalties include fines up to $1,500, suspension of license and registration, and SR-22 filing requirements.
Do you need insurance to register a vehicle in North Dakota?
No, proof is not required at the time of registration, but valid coverage must always be maintained.
Quick Checklist
- ✅ Maintain 25/50/25 liability coverage
- ✅ Carry $30,000 PIP coverage
- ✅ Keep UM/UIM coverage at 25/50
- ✅ Always carry proof of insurance
- ✅ Avoid lapses to prevent penalties and SR-22 filings
Disclaimer: This is general guidance only. For updates, visit the North Dakota Insurance Department or consult your insurance provider.