Minimum Car Insurance in North Dakota
The liability limits North Dakota requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: North Dakota requires minimum coverage of 25/50/25: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability. North Dakota Insurance Department, Auto; N.D. Cent. Code § 39-16.1-08
| Minimum coverage required | North Dakota requires minimum coverage of 25/50/25: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability. Every policy must also include uninsured motorist coverage of $25,000 per person/$50,000 per accident, underinsured motorist coverage equal to the uninsured motorist coverage, and basic no-fault (personal injury protection, PIP) of $30,000 per person. Proof of financial responsibility, when required, may also be given by a surety bond or a deposit of money or securities. Bond/deposit alternatives are from N.D. Cent. Code § 39-16.1-08 (https://ndlegis.gov/cencode/t39c16-1.pdf), which applies to proof of financial responsibility for the future. |
|---|---|
| At-fault or no-fault | North Dakota is a no-fault state. Basic no-fault (PIP) benefits of $30,000 per person pay economic loss, such as medical expenses and work loss, regardless of fault, and no-fault coverage is primary. A secured person is exempt from liability for noneconomic loss (such as pain and suffering) unless the injury is a "serious injury": death, dismemberment, serious and permanent disfigurement, disability beyond 60 days, or medical expenses over $2,500. |
| Uninsured motorist coverage | Required. A liability policy on a vehicle registered and principally garaged in North Dakota must include uninsured motorist coverage; the Insurance Department lists the minimum as $25,000 per person/$50,000 per accident. Insurers must also provide underinsured motorist coverage at limits equal to the uninsured motorist coverage. |
More North Dakota car insurance & vehicle laws
- Driving Without Insurance in North Dakota
- SR-22 Insurance in North Dakota
- When a Car Is a Total Loss in North Dakota
- Transferring a Car Title in North Dakota
- All North Dakota car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in North Dakota?
North Dakota requires minimum coverage of 25/50/25: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability. Every policy must also include uninsured motorist coverage of $25,000 per person/$50,000 per accident, underinsured motorist coverage equal to the uninsured motorist coverage, and basic no-fault (personal injury protection, PIP) of $30,000 per person. Proof of financial responsibility, when required, may also be given by a surety bond or a deposit of money or securities.
Is North Dakota a no-fault car insurance state?
North Dakota is a no-fault state. Basic no-fault (PIP) benefits of $30,000 per person pay economic loss, such as medical expenses and work loss, regardless of fault, and no-fault coverage is primary. A secured person is exempt from liability for noneconomic loss (such as pain and suffering) unless the injury is a "serious injury": death, dismemberment, serious and permanent disfigurement, disability beyond 60 days, or medical expenses over $2,500.
Is uninsured motorist coverage required in North Dakota?
Required. A liability policy on a vehicle registered and principally garaged in North Dakota must include uninsured motorist coverage; the Insurance Department lists the minimum as $25,000 per person/$50,000 per accident. Insurers must also provide underinsured motorist coverage at limits equal to the uninsured motorist coverage.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.