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North Dakota is a no-fault state. Drivers must carry at least 25/50/25 + $30,000 PIP in coverage, and the average full-coverage premium is $2,794 a year, 4% below the national average of $2,922. This guide covers what North Dakota requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | 25/50/25 + $30,000 PIP |
| Fault system | No-fault |
| Average full coverage | $2,794 a year ($233 a month), 4% below the national average of $2,922 |
| Uninsured drivers | 10.6% (2023), the 37th highest rate of 51 |
| Filing after serious violations | SR-22 |
North Dakota requires $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability, plus basic no-fault (personal injury protection) of $30,000 per person (North Dakota Insurance Department, "Auto").
| Uninsured and underinsured motorist | Uninsured motorist coverage of at least $25,000 per person and $50,000 per accident, with underinsured motorist coverage equal to it. |
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in North Dakota is $2,794 a year, 4% below the national average of $2,922. That makes North Dakota the 20th most expensive of 49 (48 states plus D.C.; Alaska and Hawaii aren't in the data) (Experian, "Car Insurance Average Costs by State," published September 9, 2026; full coverage, 12 months to August 2026).
Within North Dakota, prices still vary a lot by ZIP code, driving record and car, and 10.6% of drivers on North Dakota roads were uninsured in 2023, so the coverage you choose matters as much as the premium.
Your own price depends on your ZIP code, age, driving record, car and coverage. Try our car insurance calculator with North Dakota preselected for a personal estimate, and see what determines your car insurance cost.
North Dakota uses modified comparative fault with a 50% bar: your damages are reduced by your share of the blame, and you recover nothing if you are 50% or more at fault. (Matthiesen, Wickert & Lehrer, "Contributory Negligence/Comparative Fault Laws in All 50 States," updated June 10, 2026)
An estimated 10.6% of North Dakota drivers were uninsured in 2023, the 37th highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
If a police officer asks for proof of insurance and you can't produce it, you have 10 days to provide satisfactory evidence of coverage. (North Dakota Century Code chapter 39-08)
Failing to provide evidence of coverage within 10 days is an infraction with a $150 fine for a first violation and $300 for a second or later violation within three years. By law, driving without insurance also leads to suspension or revocation of your driver's license. (North Dakota Century Code chapter 39-08; North Dakota Department of Transportation)
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in North Dakota from $1,665 to $2,041 a year, an increase of 23% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
After a conviction for driving without liability insurance, North Dakota requires proof of insurance to the Drivers License Division for three years, usually through an SR-22 filed by your insurer. (North Dakota Department of Transportation)
North Dakota uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the North Dakota Insurance Department. It handles consumer questions and complaints about insurers in North Dakota.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
