This page features a summary of recent information pertaining to car insurance in the state of North Dakota. Use this as a handy guide the next time you find yourself shopping for auto insurance. Scroll down for some useful tips on lowering your annual premiums.

North Dakota Minimum Liability Coverage

In keeping with North Dakota state law, the minimum amount of liability coverage required for each passenger vehicle is 25/50/25. To put it in plain English, car owners in the state of North Dakota must purchase no less than $25,000 in personal injury (driver) protection, also known as PIP. They also have to buy at least $50,000 in “per-accident” insurance to cover the costs of other people’s injuries. Lastly, the driver must buy $25,000 or more in coverage against property damage. So the maximum payout for the minimum car insurance required in North Dakota is $100,000. However, this amount may or may not be enough to cover the costs of an accident. For this reason, some drivers buy more than the minimum coverage required by law.

Penalties for Driving Without Insurance in North Dakota

For the first offense, drivers in North Dakota who get caught operating uninsured vehicles face a minimum fine of anywhere from $150 to $1,000, as well as a suspended registration until proof of insurance is provided. Subsequent convictions within 18 months are punishable by a fine of $300 to $5,000.

Auto Insurance Rates in North Dakota

The average annual premium for automobile insurance in the state of North Dakota in 2016 was $1,200, noticeably lower than the national average of $1,347 for the same time period. According to analysts at, the state’s growing economy, low population density, low percentage of uninsured vehicles and relatively low crime rate all contribute to North Dakota’s lower than average car insurance premiums.

Low Cost Car Insurance Programs in North Dakota

Vehicle owners in North Dakota can lower their car insurance premiums in a number of different ways. The best way to take a big chunk off your annual rates is to qualify for every available discount offered by local carriers. These include Good Driver discounts, Accident Free discounts, Good Student discounts, Multiple Policy discounts and Multiple Auto discounts, among others.

You can also save money on car insurance by paying your annual premium all at once, increasing your deductible amount, improving your credit rating, and driving vehicles with permanently installed safety features, for instance.

Obtaining Auto Insurance Quotes in North Dakota

According to recent consumer reviews and online complaint reports, the most well regarded car insurance companies in North Dakota are AAA, Allianz, American Family Insurance, American National Insurance, Auto Owners Insurance, State Farm and 21st Century Insurance. Still, some North Dakota drivers opt for locally owned and operated insurance carriers like Western National. Either way, the state of North Dakota is home to numerous companies offering auto insurance at competitive rates. Call around, compare quotes and qualify for discounts. This alone can save you hundreds of dollars a year in car insurance.