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Auto Insurance in North Dakota

The State of North Dakota currently requires that all drivers be covered under liability auto insurance and that proof of car insurance always be carried within the vehicle at any moment.

Driving without liability insurance is a class B misdemeanor and is punishable by a mandatory fine of at least $150. Additionally, if you are involved in any accident, the state will assess 14 points against your drivers license, resulting in a suspension of your license. If you are caught for any additional insurance violations within 18 months of your first offense, you will have to pay a $300 fine and have an additional 6 to 12 points tacked on to your license. You will then be obligated to provide proof to the State of North Dakota that you are maintaining insurance for the next 3 years. If you fail to prove this at any time, your license will be immediately suspended. You will also be required to surrender your driver's license and acquire a duplicate license (at a cost of $50) that includes a notation indicating that you are required to provide proof of insurance.

North Dakota Minimum Liability Coverage

Liability coverage is required by law in the State of North Dakota. The minimum liability amounts for the State of North Dakota are as follows:

  • $25,000 bodily injury per person.
  • $50,000 total bodily injury per accident.
  • $25,000 total property damage per accident.

Remember that these are only the minimum requirements set by the state. Experts always advise that drivers get more than the state-mandated minimums, particularly if you have assets you need to protect, since these limits have not kept pace with the skyrocketing costs of car repairs and medical care. Also, getting liability coverage alone will not cover you in case of damage to your own car, so most drivers will want to add collision and comprehensive coverage to their policies.

Uninsured/Underinsured Motorist Coverage

Some, not all, states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage will protect the driver in the event that an accident occurs and the other party does not have auto insurance.

The State of North Dakota currently requires both UM and UIM coverage, with a minimum coverage limit of $25,000 per person and $50,000 per accident.

No-Fault Insurance

North Dakota is a no-fault state, so no-fault insurance is required (see PIP below).

Personal Injury Protection (PIP)

PIP is an extension of car insurance available in some U.S. states that pays for medical expenses, rehabilitation, funeral expenses, lost wages, and in-home assistance for you and your passengers injured in an accident, regardless of who is at fault (i.e., no-fault). Passengers who own their own cars collect under their own policies

As a no-fault state, the State of North Dakota current requires drivers to carry PIP insurance with a $30,000 minimum coverage limit.

North Dakota SR-22 Requirements

SR-22 is a document that is required to be filed with a state's DMV as proof that the minimum liability coverage for the state is being carried. Not everyone needs an SR-22 filing. SR-22s are typically required for a driver to reinstate their driving privileges after an offense such as a DUI conviction, uninsured auto accident, or driving without proof of insurance.

North Dakota currently requires an SR-22 filing to reinstate a driver's license.

North Dakota DWI Laws

For the first DWI offense in the State of North Dakota, you will face the following maximum penalties:

  • 91-day license suspension if Blood Alcohol Content (BAC) is 0.08% to 0.17%
  • 108-day license suspension if BAC is 0.18% and above
  • Minimum $250 fine
  • Possible hardship license after 30 days
  • Mandatory alcohol evaluation

Additional Information on North Dakota Insurance

For additional information, you can contact the North Dakota Insurance Department at (701) 328-2440 or go to their website at

Read more about the Most Popular Auto Insurance Carriers in ND.