North Dakota Auto Insurance Estimate
North Dakota Car Insurance Calculator
Estimate your potential North Dakota car insurance cost based on your location, driver profile, vehicle, coverage preferences, and driving history.
Estimated North Dakota car insurance cost
$0 – $0 per month
This educational estimate is not a binding insurance quote. Actual rates depend on the insurer, driver, vehicle, location, coverage selections, discounts, underwriting, and policy terms.
By CarInsuranceEstimate.org Editorial Team
Informational content for North Dakota drivers researching car insurance costs, legal requirements, coverage options, and quote comparisons.
Created on July 12, 2026
Last updated on July 12, 2026
North Dakota car insurance prices can vary between drivers, vehicles, locations, coverage selections, and insurance companies. Driving history, driver experience, annual mileage, vehicle use, household drivers, prior insurance, garaging location, vehicle repair costs, selected limits, deductibles, and available discounts may all affect the final premium.
The North Dakota Car Insurance Calculator above provides educational monthly, six-month, and annual estimates based on the categories you select. It can help illustrate how common driver, vehicle, usage, and coverage variables may change a modeled cost before using a broader car insurance estimator or requesting personalized quotes from companies authorized to conduct business in North Dakota.
The displayed result is an estimated range, not a guaranteed premium, insurance offer, approval, or binding quote. Insurance companies use their own rates, underwriting guidelines, eligibility requirements, discounts, policy forms, and application information. CarInsuranceEstimate.org is an independent informational website and is not an insurance company, insurance agency, or North Dakota government agency.
North Dakota Minimum Car Insurance Requirements
North Dakota requires motor vehicles registered and operated in the state to carry liability, uninsured motorist, underinsured motorist, and basic no-fault insurance. The minimum liability limits are commonly written as 25/50/25: $25,000 for bodily injury involving one person, $50,000 for bodily injury involving all people injured in one accident, and $25,000 for property damage in one accident. [1]
A compliant policy must also include at least $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage, underinsured motorist coverage at limits equal to the selected uninsured motorist limits, and $30,000 per person in basic no-fault benefits, commonly called Personal Injury Protection or PIP. [1]
Bodily Injury per Person
This is the minimum liability amount available for covered bodily injury involving one person when an insured driver is legally responsible for an accident.
Bodily Injury per Accident
This is the total minimum bodily injury liability limit for all people injured in one covered accident, subject to the $25,000 per-person limit.
Property Damage per Accident
Property Damage Liability may help pay for covered damage an insured driver causes to another vehicle, building, fence, guardrail, equipment, or other property.
Uninsured Motorist Bodily Injury
North Dakota requires at least $25,000 per person and $50,000 per accident for qualifying bodily injury caused by an uninsured motorist.
Underinsured Motorist Bodily Injury
Underinsured motorist coverage must be provided at limits equal to the uninsured motorist limits selected for the policy.
Basic No-Fault Benefits per Person
Basic no-fault coverage may address qualifying economic losses following an accidental bodily injury without first determining which driver caused the accident.
North Dakota Minimum Coverage vs. Full Coverage
North Dakota’s minimum insurance package is broader than the minimum required in many states because it includes liability, uninsured motorist, underinsured motorist, and basic no-fault coverage. Liability may address qualifying claims made by other people when an insured driver is legally responsible for an accident.
Minimum coverage generally does not include collision or comprehensive protection for physical damage to the policyholder’s own vehicle. The phrase full coverage commonly describes a policy combining North Dakota’s required coverages with collision and comprehensive protection, but it is not a standardized policy package. Drivers can review the different types of car insurance coverage before selecting limits and deductibles.
| Coverage level | What the calculator models | Important consideration |
|---|---|---|
| North Dakota minimum | A policy based on 25/50/25 liability, 25/50 uninsured and underinsured motorist bodily injury coverage, and $30,000 in basic no-fault benefits per person. | It generally does not include collision or comprehensive protection for physical damage to the insured vehicle. |
| Standard protection | An educational calculator category using North Dakota’s overall marketplace average as its starting point. | “Standard protection” is an editorial modeling label, not a uniform package offered by every North Dakota insurer. |
| Full coverage | A modeled combination of required North Dakota coverage with collision and comprehensive protection. | Collision generally addresses covered crash damage. Comprehensive generally addresses covered non-collision losses such as theft, fire, vandalism, hail, flooding, animal contact, or falling objects. |
| Higher-limit full coverage | Full coverage using a higher editorial baseline for liability, UM/UIM, no-fault, and physical-damage protection. | This category produces a higher estimate because the calculator assumes broader financial protection than the other selections. |
What Affects Car Insurance Costs in North Dakota?
North Dakota insurers may consider multiple driver, vehicle, household, policy, and geographic characteristics when determining eligibility and price. The North Dakota Insurance Department identifies coverage selections, driving record, age, gender, marital status, location, vehicle use, vehicle type, credit history, and claims history as common rating considerations. [1]
Driving Record
At-fault accidents, moving violations, serious convictions, and previous claims may affect underwriting, discounts, surcharges, and the price offered by an insurer.
Driver Age and Experience
Younger and newly licensed drivers may receive different prices from drivers with longer driving histories. Rates may change as experience and other risk characteristics change.
Annual Mileage and Vehicle Use
Higher annual mileage generally creates more road exposure. Commuting, business use, delivery work, ridesharing, and other uses may require different underwriting or policy terms.
Vehicle Characteristics
Vehicle value, repair expense, safety equipment, theft exposure, performance, body style, and model-specific claims experience may affect applicable coverage costs.
Garaging Location
Insurers may consider geographic claim information reflecting differences in traffic, crashes, severe weather, theft, wildlife collisions, road conditions, and local repair expenses.
Coverage Limits and Deductibles
Higher limits and broader coverage generally cost more. A higher collision or comprehensive deductible may reduce the premium while increasing the amount paid after a covered loss.
How the North Dakota Car Insurance Calculator Works
The calculator uses May 2026 North Dakota marketplace data published by Experian as reference points. Experian reported average monthly costs of approximately $125 for minimum coverage, $166 across North Dakota policies sold through its automotive insurance marketplace, and $242 for full coverage. [4]
The calculator follows a simplified educational process similar to the one described in our explanation of how car insurance estimates work. It does not reproduce a particular insurer’s proprietary underwriting or rating system.
Select a Coverage Baseline
The model starts at $125 for North Dakota minimum coverage, $166 for standard protection, $242 for full coverage, or $278 for higher-limit full coverage.
Apply Driver Factors
The selected driver-age range and driving-record category apply simplified multipliers. These are editorial assumptions rather than insurer-filed North Dakota rates.
Apply Vehicle and Usage Factors
Vehicle year, vehicle type, annual mileage, and selected deductible apply additional adjustments. The deductible does not change the calculator’s minimum-coverage baseline.
Display an Estimated Range
The calculator rounds the adjusted monthly result and generally displays a range approximately 10% below and 10% above it, followed by six-month and annual projections.
Ways to Compare North Dakota Car Insurance Costs
A useful comparison keeps the drivers, vehicles, liability limits, UM/UIM limits, no-fault benefits, physical-damage deductibles, optional endorsements, annual mileage, vehicle use, and payment schedule consistent across every quote.
Compare Equivalent Policies
Use the same drivers, vehicles, liability limits, UM/UIM limits, no-fault benefits, deductibles, mileage, and optional protections for every quote.
Ask About Discounts
Review available car insurance discounts and offers, including multi-policy, multi-vehicle, good-student, accident-free, anti-theft, safety-device, and defensive-driving savings.
Review Defensive-Driving Savings
North Dakota law provides a premium discount for eligible drivers who voluntarily complete an approved defensive-driving course. Contact the insurer and North Dakota Highway Patrol to confirm eligible courses.
Choose a Manageable Deductible
A higher collision or comprehensive deductible may reduce the premium, but the selected amount should remain affordable following an unexpected covered loss.
Verify the Insurer and Producer
Confirm that the insurance company and any producer are authorized to conduct business in North Dakota before paying or providing sensitive application information.
Review the Declarations Page
After purchasing coverage, confirm the listed drivers, vehicles, limits, deductibles, endorsements, effective dates, discounts, and payment schedule.
How North Dakota No-Fault and PIP Benefits Work
North Dakota requires basic no-fault benefits for qualifying economic losses resulting from an accidental bodily injury. Benefits are payable without regard to fault, and the maximum basic benefit for one injured person in one accident is $30,000. [2]
The statutory definition of economic loss includes qualifying medical expenses, rehabilitation expenses, work loss, replacement-service loss, survivors’ income loss, survivors’ replacement-service loss, and funeral, cremation, or burial expenses.
$30,000 Overall Basic Limit
All basic no-fault benefits payable for one person from one accident may not exceed $30,000, regardless of the number of insurers potentially responsible.
Medical and Rehabilitation Expenses
Coverage may address qualifying reasonable and necessary medical, surgical, diagnostic, dental, ambulance, hospital, nursing, prosthetic, and rehabilitation expenses.
Work-Loss Benefits
Basic benefits may include qualifying work loss or survivors’ income loss, subject to a statutory maximum of $150 per week per person.
Funeral and Burial Expenses
Qualifying funeral, cremation, and burial benefits are limited to $3,500 within the overall $30,000 basic no-fault maximum.
Uninsured and Underinsured Motorist Coverage in North Dakota
North Dakota requires uninsured motorist bodily injury coverage in limits no lower than the state’s financial-responsibility limits. An insurer must also provide underinsured motorist coverage at limits equal to the uninsured motorist limits selected for the policy. [3]
Uninsured Motorist Protection
UM may address qualifying bodily injury, sickness, disease, or death caused by the owner or operator of an uninsured motor vehicle.
Underinsured Motorist Protection
UIM may address qualifying bodily injury when the responsible driver has liability insurance but the available limits are insufficient for the established damages.
Equal UM and UIM Limits
The underinsured motorist limit must equal the uninsured motorist limit selected for the policy.
Higher Limits May Be Available
A named insured may request higher uninsured motorist limits in accordance with the insurer’s rating plan, subject to the statutory and liability-limit restrictions.
North Dakota’s Serious-Injury Threshold
North Dakota’s no-fault system limits certain claims for noneconomic losses against a secured person unless the injured person sustained a statutorily defined serious injury. [2]
Death or Dismemberment
An accidental bodily injury resulting in death or dismemberment satisfies the statutory serious-injury definition.
Permanent Disfigurement
A serious and permanent disfigurement can satisfy the statutory threshold.
Disability Beyond 60 Days
An accidental bodily injury causing disability beyond 60 days is included in the serious-injury definition.
Medical Expenses Above $2,500
An injury may also satisfy the threshold when qualifying medical expenses exceed $2,500, subject to the statutory rules for valuing services.
Proof of Insurance in North Dakota
A person driving in North Dakota must provide satisfactory evidence of active liability insurance when requested by a law enforcement officer during a stop. The law permits written or electronic proof of insurance. [7]
Paper or Electronic Evidence
A driver may provide a current physical insurance document or acceptable electronic proof issued by the insurance company.
Coverage Must Have Been Active
Purchasing insurance after an uninsured-driving incident does not retroactively satisfy the requirement for the earlier event.
Later Proof May Resolve the Charge
A driver unable to produce proof during the stop may provide satisfactory evidence to the prosecutor showing that a valid policy was active at the time of the alleged violation.
A Quote Is Not Proof
A calculator result, quote request, application, payment attempt, or confirmation screen does not establish that a policy has been issued and activated.
Consequences of Driving Without Insurance in North Dakota
North Dakota prohibits driving, or knowingly permitting a vehicle to be driven, without an active liability insurance policy. The current state traffic-fee schedule lists a $150 fee for a first violation and a $300 fee for a second or subsequent violation. [6]
Six Points for a Standard Violation
A standard conviction for operating a motor vehicle without liability insurance generally results in six points being added to the driver’s record.
Twelve Points for a Recent Repeat
A no-insurance violation generally results in 12 points when the driving record shows another violation of the same law during the preceding 18 months.
Fourteen Points in Certain Accidents
Fourteen points apply when the violation is discovered during an accident investigation and the uninsured driver owns the vehicle.
Plate Impoundment for Repeat Violations
For a second or subsequent violation, a court generally must order the plates of the vehicle owned and operated by the offender to be impounded until proof of insurance and a $20 court fee are provided.
Cancellation and Nonrenewal Rules in North Dakota
Once an automobile policy has been in effect for 60 days, a North Dakota insurer may generally cancel it only for permitted reasons. These include nonpayment, qualifying license or registration actions, fraud or material misrepresentation, a mechanically defective insured vehicle, moving to a state where the company is not licensed, or failure to pay required association dues. [1]
Initial 60-Day Period
Different underwriting and cancellation rules may apply during the first 60 days of a newly issued policy.
Nonpayment Notice
Cancellation for nonpayment generally requires at least 10 days’ written notice before the effective cancellation date.
Other Cancellation Reasons
Cancellation for another permitted reason generally requires at least 20 days’ written notice.
Nonrenewal Notice
An insurer generally must provide at least 30 days’ written notice before a policy’s expiration or applicable anniversary date when it decides not to renew.
What to Do After a Car Accident in North Dakota
Stop at the scene, check for injuries, provide reasonable assistance, exchange identifying and insurance information, document the vehicles and roadway, and notify the insurance company promptly.
North Dakota requires immediate notice to local police, the county sheriff, or the Highway Patrol when an accident results in injury, death, or apparent total property damage of at least $4,000. [10]
Check for Injuries and Hazards
Call 911 when emergency assistance is needed. Move away from active traffic when it is safe and lawful to do so.
Exchange Information
Collect driver license, registration, insurance, contact, vehicle, license plate, passenger, and witness information.
Document the Scene
When safe, photograph vehicle damage, road conditions, traffic controls, debris, weather, nearby property, and other relevant details.
Notify the Insurance Company
Follow the policy’s notice requirements and retain the claim number, photographs, reports, estimates, receipts, and written communications.
What If a North Dakota Driver Cannot Find Coverage?
A driver who cannot obtain insurance through regular companies may qualify for the North Dakota Automobile Insurance Plan, commonly called the assigned-risk plan. The plan provides access to the liability, uninsured motorist, underinsured motorist, and no-fault coverage required by state law. [11]
North Dakota Residency
The applicant generally must be a resident of North Dakota to qualify for the state’s Automobile Insurance Plan.
North Dakota Registration
The vehicle must be registered in North Dakota.
Valid Driver License
The applicant must have a current and valid North Dakota driver license.
No Recent Unpaid Premiums
The applicant must not have unpaid automobile insurance premiums from the preceding 12 months.
Frequently Asked Questions About North Dakota Car Insurance
What car insurance is required in North Dakota?
North Dakota requires at least 25/50/25 liability coverage, 25/50 uninsured motorist bodily injury coverage, underinsured motorist coverage at equal limits, and $30,000 per person in basic no-fault benefits. [1]
Is North Dakota a no-fault insurance state?
Yes. North Dakota requires basic no-fault benefits that may pay qualifying economic losses after an accidental bodily injury without regard to fault. [2]
How much PIP coverage is required?
North Dakota requires $30,000 per person in basic no-fault benefits. That amount is the overall maximum for qualifying basic economic loss incurred by one person in one accident.
Are uninsured and underinsured motorist coverages required?
Yes. North Dakota requires at least 25/50 in uninsured motorist bodily injury coverage and underinsured motorist coverage at limits equal to the selected uninsured motorist limits. [3]
Does minimum coverage repair my vehicle?
Generally, no. Collision and comprehensive coverage are commonly used for qualifying physical damage to the insured vehicle.
Can I use electronic proof of insurance?
Yes. North Dakota permits written or electronic proof of active liability insurance when requested by law enforcement. [7]
What is the fee for a first no-insurance violation?
The current North Dakota traffic-fee schedule lists a $150 fee for a first violation. A standard conviction also generally results in six points. [6]
What happens after a repeat no-insurance violation?
A second or subsequent violation carries a $300 fee. A repeat violation within 18 months generally results in 12 points, and plates may be impounded when the offender owned and operated the vehicle.
Does the calculator use my ZIP code to calculate a local rate?
No. The ZIP field only confirms that the entry falls within a supported North Dakota ZIP prefix from 580 through 588. It does not apply a city-, county-, neighborhood-, or street-specific insurance rate.
Are the calculator amounts official insurance rates?
No. The $125 minimum, $166 overall-average, and $242 full-coverage figures use May 2026 Experian marketplace data as reference points. The remaining calculator adjustments are editorial modeling assumptions. [4]
When must an accident be reported immediately?
North Dakota requires immediate notice when an accident results in injury, death, or apparent total property damage of at least $4,000. A limited exception applies to property damage involving an undomesticated animal when only the driver’s vehicle is damaged. [10]
Is there a required insurance premium grace period?
North Dakota does not require a general grace period for late automobile insurance payments. Some companies may provide one voluntarily, but drivers should follow the due date stated on the bill.
What if regular insurance companies will not cover me?
An eligible driver may apply through an agent or broker for the North Dakota Automobile Insurance Plan. Coverage through the plan generally costs more than insurance available in the voluntary market. [11]
Estimate and Compare North Dakota Car Insurance
The North Dakota Car Insurance Calculator provides a starting point for understanding how coverage level, driving history, vehicle type, annual mileage, and deductible selections may affect an estimated cost. It cannot replace an application evaluated by an authorized insurance company.
Before purchasing coverage, compare several personalized car insurance quotes using identical drivers, vehicles, liability limits, UM/UIM limits, no-fault benefits, optional protections, and deductibles. Confirm the insurer, policy number, effective date, payment schedule, exclusions, and declarations page before driving or canceling an existing policy.
References
- North Dakota Insurance Department, Auto Insurance Consumer Information. Source ↩
- North Dakota Legislative Branch, Century Code Chapter 26.1-41 — Auto Accident Reparations. Source ↩
- North Dakota Legislative Branch, Century Code §§ 26.1-40-15.2 through 26.1-40-15.4 — Uninsured and Underinsured Motorist Coverage. Source ↩
- Experian, Average Cost of Car Insurance in North Dakota. Source ↩
- North Dakota Legislative Branch, Century Code §§ 26.1-40-01 through 26.1-40-05 — Automobile Policy Cancellation and Nonrenewal. Source ↩
- North Dakota Department of Transportation, Uniform Complaint and Summons Information. Source ↩
- North Dakota Legislative Branch, Century Code § 39-08-20 — Driving Without Liability Insurance Prohibited. Source ↩
- North Dakota Legislative Branch, Century Code § 39-06.1-10 — Demerit Points and Suspension. Source ↩
- North Dakota Department of Transportation, Driver License Information and Frequently Asked Questions. Source ↩
- North Dakota Department of Transportation, Reportable Motor Vehicle Crashes. Source ↩
- North Dakota Insurance Department, North Dakota Automobile Insurance Plan. Source ↩