North Dakota Car Insurance Resources

Jerry has compiled everything you need to know about auto insurance in North Dakota.
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North Dakota Car Insurance Resources
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North Dakota minimum car insurance requirements

North Dakota requires drivers to carry these minimum levels of car insurance coverage:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability per accident.
  • $25,000 in uninsured/underinsured bodily injury per person.
  • $50,000 in uninsured/underinsured bodily injury per accident.
  • $30,000 in personal injury protection (PIP).

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Recent car insurance quotes in North Dakota

Monthly Quote
Insurance Company
Date of Quote
City
$34 Bristol West 09/05/25 Mohall
$38 Bristol West 10/01/25 Jamestown
$38 Bristol West 09/14/25 Hillsboro
$39 Bristol West 07/17/25 Jamestown
$40 Geico 09/23/25 Bismarck
Last Updated Oct. 9, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.
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Annie Millerbernd, Aug 7, 2025