North Dakota Car Insurance Guide
Whether you’re driving to work in Fargo or cruising along the Enchanted Highway at sunset, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every adventure. Learn which coverages are required, which are optional, and how EagleWay Auto Insurance can be your cheap North Dakota car insurance solution. Get a free quote to see how much you can save.
Do You Have to Have Car Insurance in North Dakota?
North Dakota law requires drivers to purchase auto insurance policies that at least meet the state’s minimum liability coverage limits.
All policies must also include personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) bodily injury coverage equal to the state’s bodily injury liability limits.
What Is a No-Fault State?
North Dakota is a no-fault state, meaning each person injured in a car accident files a claim on the policy of the vehicle they were occupying for medical expenses. No-fault coverage applies only to injuries. Property damage claims are filed with the at-fault party’s insurance.
North Dakota Minimum Car Insurance Requirements
| Coverage Type | Required by Law | Limits |
|---|---|---|
| Bodily Injury Liability – Pays for medical expenses and legal costs if you injure someone. | Yes | $25,000 per person / $50,000 per accident |
| Property Damage Liability – Pays to repair or replace other people’s property damaged in an accident. | Yes | $25,000 per accident |
| Uninsured/Underinsured Motorist (UM/UIM) – Pays for medical expenses if the other driver lacks coverage. | Yes | $25,000 per person / $50,000 per accident |
| Personal Injury Protection (PIP) – Pays for medical expenses regardless of fault. | Yes | $30,000 |
| Collision – Pays to repair or replace your vehicle after a collision. | Not required¹ | – |
| Comprehensive – Pays for non-collision damages like fire, flood, vandalism, or animal impact. | Not required¹ | – |
¹May be required by lenders if the vehicle is leased or financed.
Important: Liability-only coverage meets North Dakota law but does not fully protect you or your vehicle. Additional coverage, like collision and comprehensive, is recommended.
Additional Coverage Options
- Roadside Assistance*
- Emergency Protection Plan (EPP)*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Proof of Financial Responsibility and Penalties
Driving without insurance is a Class B misdemeanor in North Dakota and can lead to fines, jail time, and a loss of driving privileges. Always carry proof of insurance to avoid penalties.
Penalties for Driving with a Suspended License
Operating a vehicle without a valid license may result in misdemeanor charges, fines, potential jail time, and revocation of your license plate.
SR-22 Insurance in North Dakota
High-risk drivers may be required to keep an SR22 (certificate of financial responsibility) on file if they have:
- Been convicted of driving while suspended or revoked
- Failed to maintain coverage and were involved in an accident
- Been convicted of a DUI/DWI
EagleWay Auto Insurance can assist with SR-22 filings and help drivers find affordable coverage regardless of history.
High-Risk Auto Insurance
Drivers with a poor record may be considered high-risk. Non-standard insurance is available to provide protection. EagleWay Auto Insurance works to provide quality, affordable coverage for every driver.