North Dakota Car Insurance FAQ - Quick Answers

On average, North Dakota drivers pay an annual car insurance premium of $1,377, coming in higher than the national figure of $1,311 per year. If you're searching for a policy that doesn't break the bank, consider working with an independent insurance agent for free.

In North Dakota, you'll have required coverages as well as optional coverages. Below are some limits that may be included under your car insurance policy:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Person injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a collision with an unavoidable object such as an animal.
  • Collision: Pays for a collision with another vehicle, animal, or property.

You'll need the minimum coverages below in order to drive in North Dakota:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability
  • Uninsured motorist liability 
  • Personal injury protection

In North Dakota, 6.8% of the drivers on the road are without insurance. To protect yourself from harm, uninsured motorist coverage can help pay for a loss caused by an uninsured driver. While you are required to carry this coverage, not everyone follows the law. 

When deciding on which insurance company to go with, you'll need to understand what the best option for your situation is. In North Dakota, Nationwide, State Auto, Safeco, and Stillwater insurance companies are highly rated. These carriers are among the top because of their excellent claims service and broad coverage offerings.

Do You Know What Your Car Insurance Covers in North Dakota?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Devils Lake13.92.19$1,277
Grand Forks13.71.79$1,239
Valley City15.92.2$1,190
Watford City18.32.24$1,267
West Fargo17.11.39$1,173

Bodily Injury Requirements in North Dakota

If you get into a car accident where you're found at fault, you'll be responsible for more than just your expenses. Fortunately, you're required to carry the state minimum limits of coverage in order to drive in most places.

In North Dakota, your bodily injury limits need to be at least $25,000 per person and $50,000 per accident. This coverage is not only necessary, but will also help pay for another driver's injuries that you caused in a loss. 

Property Damage Requirements in North Dakota

Property damage liability is another required coverage and helps pay for any damage you've caused due to an at-fault accident. With the cost of vehicles going up, this limit is exceedingly necessary when driving.

In North Dakota, you must have at least $25,000 in property damage liability to comply with local law. If you're not fully protected, then you'll be responsible for any expenses out of pocket.

Personal Injury Protection Requirements in North Dakota

There are certain states that require what is called personal injury protection, or PIP, when obtaining your auto policy. In North Dakota, you are mandated to have PIP in order to meet state guidelines.

This coverage helps pay for your medical expenses when you're involved in an at-fault accident and sustain injuries. Without PIP, you'll have a mountain of medical bills that are your responsibility.

Uninsured Motorist Coverage in North Dakota

Uninsured motorist coverage pays for your medical expenses and property damage that occur due to an accident with an uninsured driver. In North Dakota, you're required to carry uninsured motorist coverage under your auto policy.

Currently, 6.8% of the driving population is still without car insurance in North Dakota. To better protect yourself, make sure that you have adequate limits of coverage in this area.


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Optional Car Coverage in North Dakota

Every car insurance policy will come with limits you can add for broader coverage. Collision insurance and comprehensive insurance are the two most common ways to protect your personal vehicles when damage occurs.

Without these coverages you'll be responsible for repairing or replacing your vehicles on your own. Discuss all your optional limits with a licensed professional to get accurate pricing.

Car Insurance Discounts to Consider in North Dakota

Several car insurance discounts could be applied to your auto policy if you qualify. One major discount usually results from having multiple policies with the same carrier, typically giving you a 30% savings.

In North Dakota, when you're part of an association, you could cut costs by 10% or more. And being loyal to one carrier for a number of years can give you an additional cost reduction as well.

How to File a Car Insurance Claim in North Dakota

When you're involved in an auto accident, it can be overwhelming to say the least. To help you remember what comes next, check out these easy steps for filing a car insurance claim in North Dakota.

First, seek any necessary medical attention and get to a safe place. Second, call your independent insurance agent and report the accident and obtain a claims number. Third, get a rental vehicle if needed and coverage allows. Last, consult with your assigned adjuster to assess damage and collect payment.