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- North Dakota Car Insurance
North Dakota car insurance
Common questions about North Dakota
auto insurance
What car insurance is required in North Dakota?
In North Dakota, it's illegal to drive without insurance. Drivers in North Dakota are required to have car insurance coverage for
- Bodily Injury to others
- Property Damage Liability
- Uninsured/Underinsured Motorist Coverage
Here are the minimum auto insurance limits drivers must have in North Dakota.2
Coverage | Amount |
|---|---|
| Bodily Injury to Others | $25,000 per person and $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured Motorist Coverage | $25,000 per person and $50,000 per accident |
| Basic no-fault/PIP coverage | $30,000 per person |
Check out the North Dakota Insurance Department. for more details.
Is North Dakota a no-fault insurance state?
Yes, North Dakota is a no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In ND, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $30,000 per accident.
For injuries related to an auto accident, PIP can help cover
- Medical bills
- Lost wages
- Out of pocket expenses like hiring someone to perform household tasks you can't due to injuries, and more
What's the average cost of car insurance in North Dakota?
The average cost of car insurance in North Dakota was $1,3173 in 2021 according to thezebra.com. That's 14% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on North Dakota auto insurance with a customized policy, so you only pay for what you need.
What North Dakota car insurance coverage is right for you?
All North Dakota drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your North Dakota car insurance to get the coverage that fits you. See all of our auto coverage options.
What's the best car insurance in North Dakota?
Liberty Mutual knows that everyone has different needs for their North Dakota auto insurance. Some may want the cheapest North Dakota car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your North Dakota car insurance, so you only pay for what you need.
Who has the cheapest car insurance in North Dakota?
Getting the cheapest car insurance in North Dakota may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.
A Liberty Mutual auto insurance policy can cost less than you think.4
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Save money with these auto insurance discounts
Great drivers are made, not born. You'll get a discount if your driving history is violation-free.5
Learn more about SavingsThe more cars you insure with Liberty Mutual, the more you can save on your premium.5
Learn about Multi-Car Discounts and moreInstantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.6
Save with our safe driver program