Thanks! Please confirm your subscription from your email inbox
Error! Please enter a valid zip code
The state of North Dakota follows a No-Fault insurance system, which means that your insurance company will pay for your damages and medical expenses regardless of who was at fault in an accident.
As of April 2026, North Dakota requires drivers to carry minimum liability coverage of 25/50/25 — at least $25,000 in bodily injury liability per injured person, up to $50,000 per accident, and $25,000 in property damage liability. The state also requires uninsured/underinsured motorist coverage and Personal Injury Protection (PIP).
Source: CarInsurance.com, "US State Minimum Liability Car Insurance Requirements," updated April 15, 2026.
Drivers in North Dakota pay an average of $2,794 a year for full-coverage car insurance — 4% below the national average of $2,922 a year.
Source: Experian, "Car Insurance Average Costs by State," published September 9, 2026.
There are no distracted driver laws in North Dakota. The House Bill #1208 was meant to restrict the use of handheld devices back in 2009 but failed. Authorities still recommend, however, that all drivers use hands-free devices when engaging in phone conversations from behind the wheel.
North Dakota uses a Graduated Driver Licensing system that allows aspiring drivers to get hands-on experience with driving on public roads from early ages. You have to be 14 to apply for a provisional license and will be accompanied at all times by a licensed driver of legal age with at least three years of experience.
Driving without insurance in North Dakota is a Class B misdemeanor. You will receive, at minimum, a fine of $150. Upon the second offense, your license will be suspended for 30 to 90 days and your vehicle will be impounded until you supply proof of insurance.
AutoInsuranceQuery editorial team. Last reviewed: September 16, 2026.
