What Auto Insurance Is Required in North Dakota? A Complete Guide

Minimum Coverage Requirements

North Dakota law mandates that every driver carry a minimum amount of liability insurance. The required limits are:

• Body injury liability: $25,000 per person
• Body injury liability: $50,000 per accident
• Property damage liability: $15,000 per accident

These limits must be purchased through a licensed insurer and registered with the Department of Transportation (DOT) before the vehicle can be driven on public roads.

Why These Limits Matter

Liability insurance protects you if you're found at fault in an accident. The stated limits determine how much the insurer will pay toward medical costs, vehicle repairs, and other damages before you're personally responsible for the remainder.

Optional but Recommended Coverage

Collision and Comprehensive

Collision covers damages to your own vehicle when you collide with another car or object. Comprehensive protects against non‑collision incidents such as theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist (UM/UIM)

North Dakota requires UIM coverage. If you're hit by a driver without sufficient insurance, UIM will pay up to $25,000 per person and $50,000 per accident.

Medical Payments (MedPay)

MedPay covers medical expenses for you and passengers regardless of fault. The state requires a minimum of $5,000 per person.

Penalties for Not Having Insurance

Driving without valid insurance can result in:

• License suspension (typically 30 days)
• Vehicle registration suspension
• Fines up to $500
• Potential jail time for repeat offenders

Additionally, you may be liable for out‑of‑pocket costs if you're at fault in an accident.

How to Verify Your Coverage

After purchasing a policy, you should receive a proof of insurance card. Submit this card to the DOT's online portal or at any DMV office to register your vehicle. Keep a digital copy in your phone for quick access.

Choosing the Right Policy

Compare Quotes

Use state‑approved comparison tools to evaluate premiums based on your driving history, vehicle type, and coverage levels.

Consider Deductibles

A higher deductible lowers your premium but increases your out‑of‑pocket cost when filing a claim.

Check for Discounts

Safe driver, multi‑vehicle, and good‑student discounts can reduce premiums.

Table: Coverage Summary