North Dakota Car Insurance

Last Updated on February 25, 2021

All major nationwide car insurance companies provide car insurance to North Dakota drivers. You have plenty of options when choosing the right car insurance provider in your area. Whether you’re in Fargo or Dickinson, you can choose from a wide range of policies to find the one that best suits your needs and budget.

north dakota auto insurance

Your car insurance quote will vary widely depending on your unique characteristics – including your driving history, your vehicle type, and your credit score. However, certain North Dakota car insurance companies seem to consistently come out ahead of their competition in terms of value.

Allied, State Farm, Nodak Mutual, Auto Club Group, and GEICO, for example, are known for providing car insurance quotes that are several hundred dollars below the state average. Of course, your quote can vary widely from the quote of somebody else, which is why it’s crucial to compare multiple quotes online today.

Car Insurance Discounts in North Dakota

Most North Dakota car insurance companies provide at least some type of insurance discount. The most common discounts available to ND drivers include:

Talk to your car insurance company to see what kind of discounts may be available. Many young drivers in North Dakota are surprised to learn they qualify for good student discounts simplify for maintaining a B average, for example.

Car Insurance for Teen Drivers in North Dakota

Teen drivers in North Dakota can receive an instruction permit at age 14. You can hold the license for 12 months or until your 16th birthday – whichever comes first. If you’re 16 when you get your instruction permit, then you need to hold it for a minimum of six months before graduating to the next level.

Once you’ve completed the instruction permit requirements, you can receive a restricted class D operator’s license. This allows you to operate a vehicle between 5 am and 9 pm unless driving between work, a school, activity, a religious activity, and your home. You can drive during the restricted hours – but only if an adult over the age of 18 is with you.

Typically, as a young driver in North Dakota with an instruction permit, you’re going to be driving your family’s vehicle. One of your parents may teach you how to drive using the family vehicle, for example. In this case, assuming the vehicle is covered by insurance, you will not have to purchase additional car insurance or upgrade your policy. Instead, your ordinary car insurance policy covers teen drivers with an instruction permit.

Things change when your teen driver gets a class D operator’s license and begins to drive without adult supervision. In this case, you will need to upgrade your car insurance policy (if driving a family vehicle) or buy a new policy (if driving their own vehicle).

No matter which North Dakota insurance company you’re with, you can expect to pay significantly more for car insurance when adding a teen driver. All car insurance companies in North Dakota raise costs when adding a teen driver. Expect a significant rate increase. Nevertheless, we encourage drivers to compare quotes to find the best car insurance company in North Dakota for teen drivers.

North Dakota Car Insurance Requirements

North Dakota is one of this country’s “No Fault” state which limits the circumstances for which you can sue an at-fault driver for damages. This is because you are required by law to carry your own Personal Injury Protection (PIP), also known as “Basic No-Fault”. This protection will cover your medical expenses, regardless of who is at fault in an accident. The minimum level of coverage required is $30,000 per person.

As with most states, you are also legally obligated to carry auto liability insurance to help cover the cost of damages and injuries to the other party involved if you are at fault. The minimum levels of auto liability required are 25/50/25 (see the chart below).

Uninsured and underinsured motorist bodily injury coverage is not mandatory but is strongly encouraged with minimums of 25/50. This coverage aids in covering your expenses should you be struck by a driver without enough liability to cover your damages and injuries, or that doesn’t have any insurance at all.

Finally, North Dakota drivers can add additional comprehensive and collision coverage to their policy, even purchase additional PIP, and increase the levels of liability and/or uninsured/underinsured motorist to have optimum protection.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes $25,000 per person

$50,000 per accident

Property Damage Liability Yes $25,000
Uninsured Motorist Bodily Injury No $25,000 per person

$50,000 per accident

Personal Injury Protection No $30,000

Auto Insurance for Leased Vehicles in North Dakota (ND)

Most leasing companies in North Dakota typically require drivers to maintain insurance coverage which exceeds the minimums set by North Dakota state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

  • Bodily injury liability coverage: $100,000 per person/$300,000 per accident
  • Property damage liability coverage: $50,000
  • Comprehensive and collision coverage: $500 maximum deductible
North Dakota Department of Transportation 
608 East Boulevard Avenue
Bismarck, ND 58505-0700
North Dakota Insurance Department 
State Capitol, Fifth Floor
600 East Boulevard Avenue
Bismarck, ND 58505-0320


James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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