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North Dakota Car Insurance

Here's what you need to know...
  • There are many local and national insurance companies to choose from for insurance in North Dakota
  • North Dakota’s requirements for minimum coverage are quite different from most other states
  • You should compare quotes from at least three different companies before purchasing a policy
  • Many drivers are eligible for insurance discounts, but you have to ask in order to take advantage of them
If you are planning to move to North Dakota in the near future or are thinking about the costs involved in buying and maintaining a car there, it’s important for you to know what the North Dakota car insurance requirements are.

Read on to learn all about car insurance in North Dakota and then enter your zip code for a free car insurance comparison!

Choosing a North Dakota Car Insurance Company


There are many local and national insurance companies to choose from.

All you have to do is start searching for North Dakota car insurance providers on the internet, and you’ll see that there are many options to choose from.

Before you commit to a policy from a specific company, think about the following things:

  • Size and reputation of the company
  • Customer satisfaction ratings and reviews
  • Claims process (online, in-person, 24/7)
  • Rates compared to competition

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What Is Required for North Dakota Car Insurance?

North Dakota is one of only thirteen states that utilizes a no-fault policy.

When an accident occurs inside the state lines, all those involved are covered by their own insurance company, no matter which of the drivers was responsible for the accident.

A no-fault policy necessitates all North Dakota drivers to have a personal injury protection (PIP) policy, which will help cover medical expenses as well as lost wages and funeral expenses.

In addition, all drivers are required to have a liability policy that provides at least $25,000 in coverage for injuries suffered by the driver, $50,000 for coverage of all combined medical expenses for vehicle occupants, and $25,000 dollars in coverage for all property damages caused in the accident.

Additional North Dakota Car Insurance Options

It’s important to note that comprehensive and collision coverage are not required to drive a car legally in North Dakota, but if your budget allows you to purchase these policies, you should.

Collision insurance will be cover repairs that amount to up to the Blue Book value of the car.

If the damages are found to exceed the Blue Book value, the insurance company will award the owner with the cash value of the vehicle.

It’s easy to find the best North Dakota car insurance rates. Just enter your zip to start comparing quotes from many top North Dakota auto insurance companies!

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