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Like almost every other state in the country, North Dakota implements laws requiring all of its residents who drive motor vehicles to always carry with them an auto insurance policy. However, ND has stricter and more rigorous regulations than many of the other remaining states. You need to know more about North Dakota car insurance, not only because the law mandates all motorists to have it, but also because it is an essential, protective part of your life as a driver.


Average cost of car insurance in North Dakota

The National Association of Insurance Commissioners (NAIC) claim that the average person pays roughly $604.58 for car insurance in North Dakota each year.

They broke this figure down to:

$284.03 is the average annual liability insurance expenditure.

$228.38 is the average annual collision insurance expenditure.

$226.05 is the average annual comprehensive insurance expenditure.

Young Drivers in North Dakota

Statistics continue to show that teenagers have the highest likelihood of getting involved in accidents. If you are a new driver, expect high auto insurance premiums, with the following possible averages:

  • $768.4 for state minimum coverage1,
  • $1656 for basic full coverage2 and
  • $2529.6 for premium full coverage3.

New and teen drivers pay more since insurance companies take into serious consideration how high or low their risks are. Aside from accidents, insurers also factor in the history of young motorists showing that they have the tendency of committing traffic violations and getting tickets.

Female Drivers in North Dakota

A female driver in ND can expect to pay a yearly premium average of:

  • $402 for state minimum coverage,
  • $848 for basic full coverage and
  • $1327.6 for premium full coverage.

Using our methodology4, we discovered that women can pay as low as $17.40 a month for their car insurance. The area that offers possibly the lowest premiums at $13/month is Hettinger, with an estimated population of 2,704 (2015, latest data5).

Senior Drivers in North Dakota

In our case study, we discovered that senior drivers who have a clean record and good driving history can have the following yearly premium averages:

  • $360.8 for state minimum coverage,
  • $747.6 for basic full coverage and
  • $1136.4 for premium full coverage.

Minimum car insurance requirements

North Dakota legally requires everyone who wishes to register and operate an automobile in the state to purchase not just any insurance policy, but one that contains the three required coverage types. These include liability, uninsured/underinsured motorist, and no-fault coverage. You also need to carry the mandatory minimums for each coverage.

Liability coverage helps pay for expenses incurred in the event that you cause a car accident resulting in other people sustaining injuries or damage to their property. Make sure this part of your policy consists of the following: a $25,000/person bodily injury coverage minimum, a $50,000/accident total bodily injury (applies to accidents involving numerous injury victims) coverage minimum, and a $25,000/accident property damage coverage minimum.

Despite ND motorists having the legal responsibility of maintaining car insurance, a lot of drivers still think they can get away with not purchasing it. This is why the state-required policy has to have uninsured/underinsured motorist coverage. This protects you from financial liabilities in the event you get an accident with an uninsured/underinsured driver. You need to maintain the same coverage minimums for each, which includes $25,000/person for bodily injury and $50,000/accident for total bodily injury.

In the U. S., 12 states implement the no-fault law, and North Dakota is one of them. Also known as “Personal Injury Protection (PIP),” it helps pay for the costs associated with treating injuries you have sustained after a car accident, regardless of who caused the incident. Your policy should meet the $30,000/person/accident minimum for this coverage.

You have several other optional motor vehicle insurance coverage types to choose from. You can add collision coverage, comprehensive coverage, towing and labor coverage, or rental reimbursement coverage to your policy.

Driving safety in North Dakota

As the Centers for Disease Control and Prevention (CDC) reports, only 81% of motorists and front-seat passengers wear their seatbelts, as opposed to the 86% national average.

Furthermore, the National Highway Safety Administration assessed the state’s driving accidents, and it revealed that 131 cases resulted in casualties. 50 of these cases (38%) took place because of alcohol impaired driving.

This has then prompted CDC to give ND an overall vehicle occupant death rate of 20.2 per 100,000 residents.

Final thoughts

Note that North Dakota car insurance laws include violations and corresponding penalties for those caught driving without insurance. Since you do not want to receive a fine of anywhere from $150 to $5,000 and/or face imprisonment, you should abide by the law and maintain the proper auto insurance coverage.

licensed drivers in North Dakota, 2014
privately insured vehicles in North Dakota

Source: StatistaInsurance Information Institute

1State minimum coverage includes the minimum liability insurance limits required in your state but excludes the following:
  • No Collision and Comprehensive Coverage
  • No Towing Coverage
  • No Rental Car Coverage
  • No Full Glass Coverage
2Basic full coverage includes:
  • $50,000 Bodily Injury Liability Per Person/$100,000 Per Accident
  • $25,000 Property Damage Liability
  • $50,000 Uninsured Motorist Bodily Injury Coverage Per Person/$100,000 Per Accident
  • $25,000 Uninsured Motorist Property Damage Coverage
  • $750 Deductible Collision And Comprehensive Coverage
  • $50 Towing Coverage
  • No Rental Reimbursement Coverage
  • No Full Glass Coverage
3Premium full coverage includes:
  • $250,000 Bodily Injury Liability Per Person / $500,000 Per Accident
  • $100,000 Property Damage Liability
  • $250,000 Uninsured Motorist Bodily Injury Coverage Per Person / $500,000 Per Accident
  • $100,000 Uninsured Motorist Property Damage Coverage
  • $250 Deductible Comprehensive Coverage And No Deductible Collision Coverage
  • $75 Towing Coverage
  • $30/day Rental Reimbursement, Max Of $900
  • Full Glass Coverage
4Methodology: To achieve accurate results we obtained estimates for 10 cities in the state: 5 of the largest cities and 5 randomly picked smaller cities. For each city, we collected premiums for 3 levels of coverage: state minimum coverage, basic full coverage and premium full coverage. We used 3 different driver profiles for the case studies. For the young driver profile we used a 20-year-old single male or female with 1 year driving experience. Second, the profile fit that of a 35-year-old married female with 12 years of driving experience. The last profile we used in our studies is a male senior driver who was 68-year-old with 45 years of driving experience. The vehicle we used for all three driver profiles was a 2012 Honda Accord EX.
5Latest data: The U.S. census is conducted every 10 years as per requirement of the United States Constitution. The 23rd edition and the latest data is the 2010 United States Census. Source:
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