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Car Insurance in North Dakota (Updated May 2024)

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North Dakota Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at North Dakota however, drivers are paying 10% less for car insurance than the national average, with Full Coverage costing North Dakota drivers an average of $171 per month

Similar to other states, the rates in North Dakota can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in North Dakota. Read on to learn more about properly insuring your car in North Dakota. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


North Dakota Car Insurance Laws

North Dakota’s car insurance requirements make it illegal to operate a vehicle within the state without carrying a policy that meets the state’s criteria

North Dakota’s car insurance minimums are:

  • $25,000 per person for bodily injury or death
  • $50,000 per accident for bodily injury or death
  • $25,000 property damage per accident
  • Uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident
  • $30,000 basic no-fault coverage for economic losses such as medical expenses and inability to work

North Dakota’s minimum car insurance liability requirements are comparable to those of other states.

Individuals can purchase additional insurance if they need it or their lender requires it. Additional coverage can include collision or comprehensive policies.  

Proof of Insurance

“ there is no new car insurance grace period in North Dakota. ” 


Driving without insurance is a Class B misdemeanor in North Dakota, punishable by up to 30 days in prison or a fine of up to $1,000. Subsequent convictions can result in higher fines, and the court may suspend the perpetrator’s driver’s license. 

There is no new car insurance grace period in North Dakota. Whenever you buy a vehicle, secure coverage before operating it. Your insurer may require you to add the car to your policy within a specific period..

Additional Coverage in North Dakota

North Dakota is no stranger to snowstorms and blizzards, which make driving more treacherous. Consider purchasing additional insurance to protect yourself from financial losses sustained in a hazardous driving incident.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in North Dakota?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in North Dakota?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in North Dakota?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.