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
Bismarck15.72.77$1,325
Devils Lake13.92.19$1,277
Dickinson16.71.41$1,311
Fargo15.33.07$1,311
Grand Forks13.71.79$1,239
Jamestown131.18$1,132
Mandan18.44.26$1,497
Minot18.53.57$1,422
Valley City15.92.2$1,190
Wahpeton12.73.61$1,196
Watford City18.32.24$1,267
West Fargo17.11.39$1,173
Williston15.52.87$1,367