North Dakota Auto Insurance

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North Dakota State FlagNorth Dakota is one of the twelve states that operates is auto insurance laws under what is known as the ‘no fault’ insurance system. Essentially this means that when an accident occurs, your own auto insurance company will pay out injury and medical treatment claims to you, and will deal with the other insurance company on your behalf. In most ‘no fault’ states, drivers give up the right to sue other drivers for causing accidents and injuries, and this is no different in North Dakota. If you are in an accident, regardless of who caused it, your auto insurance company is who you will deal with.

north dakota auto insurance

North Dakota Car Insurance Minimums

In North Dakota, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $25,000 per accident

Uninsured/Underinsured Motorist Protection minimums:

  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage $50,000 per accident

Personal Injury Protection (PIP) minimums:

  • $30,000 coverage per person

Optional coverage options in ND include:

  • Comprehensive Coverage
  • Collision Coverage
  • Rental Car Reimbursement Coverage
  • Roadside Assistance / Towing Coverage

State law requires drivers to purchase minimum coverage in four different car insurance policies, which we’ll describe here. Bodily Injury Liability insurance covers you against the injury treatment costs of other parties when you cause an accident. Due to North Dakota’s ‘no fault’ status, when you cause an accident this money will be claimed by the other insurance company to cover their clients’ medical treatment, rehabilitation and other expenses. The minimum amount of BIL coverage required in North Dakota is $25,000 per party, per accident and $50,000 for all parties in a single accident.

Property Damage Liability is much like Bodily Injury Liability, except it’s intended to cover the repair and replacement costs for the other parties’ property (including automobiles) that are damaged in an accident that you caused. A minimum of $25,000 in Property Damage Liability is required to be considered insured in North Dakota.

Personal Injury Protection insurance is the policy that covers the medical treatment and injury related costs for the policy holder and their passengers when they are in an accident – regardless of fault. If another party caused the accident, your PIP will kick in to cover any costs that exceed the ‘at fault’ party’s Bodily Injury Liability insurance. The minimum amount of PIP coverage one can have is $30,000.

Finally, Uninsured Motorist Protection is much like PIP or BIL except it protects the policy holder and their passengers from costs associated with being in an accident with another party who has no insurance. The minimum amount of UMP insurance one can have is the same as BIL – $25,000 per party, per accident and $50,000 for all parties in a single accident.

North Dakota Car Insurance Rates

One of the upsides to auto insurance in North Dakota is that the average driver pays less for insurance inside the state than the median rate for the rest of the country. Statewide, drivers will pay an average of $1,283 per year for auto insurance as of July 2011. This works out to about $106 per month, and represents a decent savings over the national rate of $1,440 per year or $120 per month. Depending on which city they live in, drivers may end up paying more or less than the statewide average; those in Bismarck can count on average annual rates of $1,502, while those in Fargo pay much less at $1,070.

North Dakota Driving Statistics And Information

Although the state has gone through a number of initiatives to improve traffic safety, North Dakota was one of the few states that saw an increase to the number of vehicle crashes in the most recent year for which figures are available. In 2009, the state saw a total of 17,673 crashes with 140 fatalities resulting from these accidents. Both of these numbers increased over 2008, which saw 16,387 crashes and 104 total fatalities. To combat these numbers from rising higher, the North Dakota Department of Transportation created a new safety division in December 2009. The goal of this division will be to ensure that traffic safety remains a top priority, and that citizens are compliant with the laws of the road. Drivers in North Dakota would do well to try to reduce the crash rates – auto insurance companies have no problem with raising premiums if they determine that there’s a higher risk involved with driving inside the state.

Thanks to its friendly population and location somewhat far from the coasts, auto theft numbers in North Dakota are also quite low. 2009 saw just 852 vehicles reported stolen across the entire state, which works out to a theft rate of 131.7 vehicles per 100,000 residents. This rate was low enough to rank the state 44th overall in the nation for auto thefts, and has been trending downward since the peak of 1,073 vehicles stolen in 2005. 2008 saw 902 total auto thefts, so the 2009 numbers represent a decline of around 6% year over year. If the rates continue downward, residents of North Dakota should see their auto insurance premiums come down in cost over time as well.

At, we believe that finding the best North Dakota auto insurance rates shouldn’t be a huge pain. To help you track down the best prices for your car insurance in North Dakota, we’ve built a handy price comparison tool right in to this website!

To get started, scroll up to the top of this page and enter in your ZIP code. We’ll help you find the cheapest car insurance possible!

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Automobile Insurance Resources In North Dakota

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