North Dakota car insurance

State-minimum car insurance in North Dakota averages about $46 a month, and full coverage averages about $203. Here’s everything you need to know to get the best possible deal on car insurance in North Dakota.

State-minimum coverage in North Dakota averages about $46 a month, while full coverage (liability plus collision and comprehensive) averages about $203 a month.

North Dakota requires liability, uninsured and underinsured motorist, and basic no-fault personal injury protection (PIP) coverage on every registered vehicle.¹ The state minimum liability limits are (25/50/25), meaning: 

• $25,000 per person in bodily injury liability

• $50,000 per accident in bodily injury liability

• $25,000 in property damage

North Dakota also requires carriers to include at least $25,000 in uninsured/under-insured motorist protection (UM/UIM) per person and $50,000 per accident. You must also carry at least $30,000 in personal injury protection (PIP).

Unlike other states, North Dakota does not allow drivers to  “opt out” of UM/UIM and PIP coverage. You must carry it, by law, to drive a North Dakota-registered vehicle in the state.

If damages exceed your coverage limits, the injured party can pursue you for the rest. So many drivers buy additional liability coverage, over and above the required state minimum.¹

Is North Dakota a no-fault or at-fault state?

North Dakota is a no-fault state for personal injury liability.¹

That means that after a crash, your own personal injury protection pays your medical bills up to your policy limits, no matter who caused the accident. 

PIP by itself isn’t usually enough to cover total costs for a severe injury. But it can cover your health insurance deductible, copays, ambulance charges, time off work, and other out-of-pocket costs your major medical policy excludes. 

Also, unlike medical insurance, PIP has no deductible. It pays out starting with the first dollar.¹

Note: Even though North Dakota is a no-fault state for personal injury claims, you can still hold an at-fault driver responsible for vehicle damage. You can also seek non-economic damages, but only if the injury meets North Dakota’s "serious injury" threshold: death, dismemberment, serious permanent disfigurement, disability over 60 days, or more than $2,500 in medical bills.²

USAA is cheapest for full coverage at about $94 a month. But USAA only takes on servicemembers, veterans, and certain family members. If you don’t qualify for USAA, other low-cost options in North Dakota include State Farm, Nodak Insurance, and Progressive.

Rates vary a lot by company, location, your age, personal credit, and many other factors. Luva lets you compare quotes from multiple North Dakota insurers so you can find where you land.

Your North Dakota car insurance premiums depend primarily on your: 

• Driving record

• Age

• Marital status

• Location

• Mileage

• Vehicle

• Credit

• Claims history

How do violations affect North Dakota car insurance rates?

Luva Research found North Dakota has the highest self-reported violation rate in the country, with 42% of applicants reporting at least one ticket, accident, or DUI.³

In North Dakota, a single speeding ticket increased the premium by 19% compared with a clean record. An at-fault accident increased premiums by about 30%, and a DUI increased premiums by about 66%. 

A DUI conviction also typically results in a license suspension, significant fines, possible jail time, and an SR-22 requirement.

How does location affect your rate?

Here’s a look at average car insurance premiums in popular North Dakota cities:

How does credit and coverage lapses affect your rate?

North Dakota lets insurers use credit as a rating factor. Insurers can't deny or cancel a policy on credit alone. But they can and do use credit information along with other factors to set premiums.¹

In general, drivers with bad credit pay much more than drivers with good credit. A North Dakota driver with excellent credit paid about $163 a month on average, while the same driver with poor credit averaged about $404. 

Additionally, because North Dakota requires no grace period, an unpaid premium can result in policy cancellation and create a lapse in coverage.¹

North Dakota doesn't require comprehensive or collision coverage. But lenders typically require it if your car is financed or leased, until the loan is paid off.¹

• Collision coverage: Pays to fix or replace your car after it hits another vehicle or object, no matter who's at fault.

• Comprehensive coverage: Covers most other damage, including theft, fire, hail, vandalism, and hitting an animal.⁴

It’s tempting to skip collision and comprehensive coverage because the state minimum liability requirement is so cheap. But North Dakota has cold winters, icy roads, heavy snow, long dark nights, and deer that cause frequent and sometimes severe collisions. 

Deer collisions peak between September and early December.⁵ Animal strikes fall under comprehensive coverage, not a collision. But a state minimum or liability-only policy will not protect you against any of these hazards. 

If you want this additional protection, you must purchase full coverage.

The best way to find quality, affordable car insurance in North Dakota is to compare the same coverage across multiple companies. Here are some tips to help you get the most out of the site: 

•    Compare identical quotes: Use the same limits and deductibles for every quote request. 

•    Don’t let coverage lapse: Even a short gap can increase your future premiums significantly. 

•    Build your credit: Insurance companies in North Dakota charge less to customers with good credit.¹

•    Ask about discounts: North Dakota law mandates a discount for completing an approved defensive driving course. Other common discounts include multi-vehicle, good-student, safety-features, and telematics program participation.¹

Once you know the coverage you want, compare it across carriers. Luva pulls quotes from multiple North Dakota insurers on the same limits and deductibles, so you're comparing true like-for-like prices.