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North Dakota Auto Insurance

Basic Car Insurance Requirements

  • Liability Insurance Required? Yes
  • Liability Minimums: 25/50/25 (Bodily Injury (BI) and Property Damage (PD))
  • Further Requirements: No-Fault State, Personal Injury Protection (PIP), Uninsured Motorist (UM)
  • Insurance Proof Required? Yes: After an Accident
  • First Offense Penalty: Suspension of license, revocation of registration, $150 fine


North Dakota Department of Insurance Contact Information

State Capitol, Fifth Floor
600 East Boulevard Avenue
Bismarck, ND 58505-0320

Phone: (701) 328-2440
Phone Toll Free: (800) 247-0560
Fax: (701) 328-4880

E-mail: insurance@nd.gov
Website: www.nd.gov/ndins


North Dakota (ND) Consumer Guide

FAQ - For Auto Insurance In North Dakota
Detailed page explains the minimums, coverage, rates, deductibles, cancellations, non-renewals, filing a claim and consumer tips.

A Consumer Guide To Required Coverage And Shopping For Auto Insurance In North Dakota (Adobe Acrobat, PDF document)
32 page booklet explains mandated and optional coverage, making a claim, consumer tips, and a glossary of terms.

Cost Comparison Surveys Of North Dakota Car Insurance Rates
This page links to Adobe Acrobat (PDF) documents that compare examples of rates for various drivers (single male, single female, married, family, different ages) with different insurers in these areas: Fargo, Bismarck, Mandan, Grand Forks, Minot


Auto Insurance Requirements By State

Visit our full list of auto insurance minimum state requirements here.

  Auto Insurance - learn more (20)
  Health Insurance - learn more (17)
  Home Insurance - learn more (7)
  Life Insurance - learn more (12)

  Bodily Injury (BI)
  Collision Auto Insurance
  Comprehensive Auto Insurance
  Liability Auto Insurance
  No-Fault Insurance
  Personal Injury Protection (PIP)
  Property Damage (PD)
  Tort States
  Underinsured Motorist Insurance (UIM)
  Uninsured Motorists Coverage (UM)
  Wrongful Death Insurance