North Dakota Auto Insurance Policy Requirements

Q: What is in a basic North Dakota auto insurance policy?
A: You can be add these basic types of insurance coverage to your North Dakota auto insurance policy:

  1. Liability Coverage
    1. Property damage and injury to people are concepts that are addressed separately in the insurance world. Liability insurance is thus divided into two kinds of coverage:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in North Dakota. All legal drivers in North Dakota must possess a valid driver’s license as well as this minimum liability coverage in your auto insurance policy
      1. 25/50/25” (North Dakota’s minimum auto insurance requirement)
      2. $25,000 for the injury/death to one person.
      3. $50,000 for the injury/death to more than one person.
      4. $25,000 for the damage to property.
    3. Liability minimums are different for vehicles that have been leased.
  2. Collision Coverage is a recommended addition to your North Dakota auto insurance policy when your car has been paid off. If it is still financed, then North Dakota state law requires that add collision to your insurance policy.
  3. Comprehensive Coverage must be purchased for your North Dakota insurance policy only if the vehicle is financed. If the vehicle is no longer financed, then comprehensive – like collision – is a nonmandatory part of a North Dakota auto insurance policy.
  4. Medical Payments Coverage is a suggested addition to your North Dakota auto insurance policy, but it is not required by law.
  5. Uninsured (and Underinsured) Motorist Coverage is required in your North Dakota auto insurance policy by law.
  6. Personal Injury Protection (PIP) Coverage must be in your auto insurance policy for the state of North Dakota.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is North Dakota a No-Fault state?
A: Yes, the state of North Dakota is a no-fault state.

Q: How can I get a discount on a North Dakota auto insurance policy?
A: See if you may qualify for the various ways to save money on your auto insurance policy by viewing our list of auto insurance discounts.

Q: Where can I find more information about North Dakota auto insurance?
A: The resources listed here offer more information on North Dakota auto insurance:
  1. North Dakota Insurance Resources
    1. The North Dakota Driver’s License and Traffic Safety Division manages all official licenses and titles regarding motor vehicles.
    2. The North Dakota Insurance Department is a state regulatory agency that aims to provide a stable marketplace for the industry of insurance. Their automobile insurance FAQ’s cover many of the specifics of buying and using auto insurance.
  2. National Insurance Resources

Considered to be in both the Midwest and the West, North Dakota is also a “Great Plain” state. Residents of this farm-rich state can look to CLICKinsure for assistance in choosing an auto insurance plan. North Dakota defies the typical definition of “city” by applying this term to places that elsewhere would be deemed a village or city: CLICKinsure can help North Dakotans from any of the state’s cities, including Fargo and West Fargo, Bismarck, Grand Forks, Minot, Dickinson, Jamestown, Williston, and Wahpeton.