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North Dakota- Auto Insurance

Minimal levels of insurance are required for all persons operating a vehicle in the state. If you fail to keep these levels of insurance on a registered vehicle , you are in violation of the law and will probably suffer serious financial penalties, fines and fees.


Minimal Coverage Requirements:

  • $30,000 worth of personal injury protection (PIP), or no-fault insurance
  • $25,000 per person, $50,000 per accident for uninsured motorist coverage
  • $25,000 per person, $50,000 per accident for underinsured motorist coverage
  • $25,000 worth of bodily injury or death coverage for one person per accident
  • $50,000 worth of bodily injury or death for up to two people per accident
  • $25,000 for destruction of property of others per accident

You must keep the insurance card in your vehicle at all times to serve as proof of coverage. This proof of coverage must be surrendered any time a police officer or state trooper requests it.

If you do not have the proper insurance coverage, you will be fined up to $150, and have up to 12 points placed on your driving record.


North Dakota Dept. of Insurance
State Capitol, 5th Floor
600 East Boulevard Ave.
Bismarck, ND 58505-0320
Phone: 1-701-328-2440
Toll Free: 1-800-247-0560

Web Site:

 North Dakota (ND) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist — No-Fault State
  • Regulations Regarding Proof of Insurance: Proof Required – If Involved In An Accident
  • Penalties For Not Carrying Mandatory auto insurance: Fine up to $150 plus license suspension and
    registration revocation

Inside North Dakota- Auto Insurance