North Dakota auto insurance

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Choosing North Dakota auto insurance

Motor vehicle crashes, injuries and fatalities in North Dakota spiked slightly in 2021, after a steady decline since 2013. More than 9,500 crashes occurred on the state's roadways in 2021, compared to 8,820 the year before. These crashes resulted in 101 deaths and approximately 3,950 injuries. While these numbers represent a significant decrease from the nearly 19,000 crashes that occurred in 2013, it is still important to protect yourself with North Dakota auto insurance.

North Dakota traffic accident statistics

Preventable causes, such as not wearing seat belts, intoxicated driving, speeding and aggressive driving, contributed to many of the traffic fatalities in 2021. Of the people killed in traffic accidents, 46% were not wearing their seat belts and 35% of fatal accidents involved alcohol use. Aggressive driving or speeding played a role in 35% of fatal crashes and 56% involved lane departures.

On the upside, except in 2017, North Dakota's fatality rate per 100 million vehicle miles was lower than the national average for the past six years. In 2021, the North Dakota fatality rate was 1.09, compared to a national rate of 1.33.

Cass County saw the highest number of crashes, injuries and deaths in 2021 with nearly 2,500 crashes, 1,150 injuries and 11 deaths. Slope County had the fewest crashes at eight, resulting in two injuries and no deaths.

Male drivers died at 1.8 times the rate of females in 2021. The most dangerous holidays for drivers in the state were Memorial Day and Independence Day.

Types of North Dakota auto insurance coverage

North Dakota drivers and vehicle owners must purchase four types of required coverage. Most insurance companies also offer several optional coverages in their North Dakota auto insurance quotes.

Liability insurance

North Dakota drivers must purchase two types of liability insurance.

Bodily Injury

If you, or someone else who you allow to drive your car, causes an injury to another person, Bodily Injury liability pays for the injured person's medical expenses, pain and suffering and other expenses. It also pays for your legal expenses if someone sues you because of an auto accident.

Property Damage

Property Damage liability pays for damage to someone else's car or other property that you are legally required to pay for because of an auto accident. It also pays for damage you cause to a rental car.

Uninsured Motorist

In many states, Uninsured and Underinsured Motorist coverage is optional. However, North Dakota drivers must purchase these coverages. Uninsured Motorist coverage pays for your medical and other expenses when an uninsured driver injures you or the occupants of your vehicle. This coverage does not pay for damage to your vehicle or other property.

Underinsured Motorist

Underinsured Motorist coverage pays for injuries to the occupants of your vehicle caused by a driver who does not have enough liability insurance to pay for all of the damage.

Basic No-fault

The required Basic No-fault coverage, which is also called Personal Injury Protection, pays for medical expenses and lost wages that result from an auto accident. You can use this coverage regardless of who caused the accident.

Collision Coverage

Collision Coverage pays to repair or replace your car when a collision with another vehicle or object damages it. A deductible usually applies.

In 2019, 13% of North Dakota drivers did not have auto insurance. Because Uninsured Motorist coverage only pays for injuries, if you do not want to have to pay for damage to your vehicle out-of-pocket if an uninsured driver hits your car, you must purchase optional Collision coverage.

Comprehensive Coverage

Comprehensive Coverage pays for damage to your car caused by something other than a car accident, such as theft, hail, fire, falling objects or hitting an animal. A deductible usually applies.

North Dakota minimum insurance requirements

North Dakota drivers and vehicle owners must purchase at least the minimum coverages that state law requires:

       $25,000 per person and $50,000 per accident for Bodily Injury liability.

       $25,000 per accident for Property Damage liability.

       $25,000 per person and $50,000 per accident for Uninsured Motorist coverage.

       $25,000 per person and $50,000 per accident for Underinsured Motorist coverage.

       $30,000 per person Basic No-fault coverage.

If you choose to purchase higher limits for Uninsured Motorist coverage, you must purchase those same limits for your Underinsured Motorist coverage.

Average cost of North Dakota auto insurance

North Dakota drivers pay an average annual premium of $290 for minimum coverage and $1,265 for full coverage. Nationally, the average annual premium is $625 for minimum coverage and $2,015 for full coverage.

While drivers in North Dakota enjoy below-average insurance premiums, you can still save money by comparing insurance quotes. You can easily compare multiple auto insurance companies by requesting North Dakota auto insurance quotes from VIU by HUB.

Factors that affect North Dakota auto insurance rates

North Dakota insurance companies consider a variety of factors when determining insurance rates.


Residents of larger cities with higher accident and crime rates tend to pay higher average premiums.


Younger and older drivers tend to pay higher rates because they are more likely to cause accidents or engage in risky driving behaviors. The average 18-year-old pays twice the annual premium that a 25-year-old driver pays. The average rates continues to drop as a driver approaches age 60 but then gradually increase for drivers aged 70 and older.

Driving record

Traffic violations and accidents can also lead to higher rates. A speeding ticket can increase your rates by an average of 20%. An accident may cause your rates to go up by 40%, and a DUI could increase your annual premium by close to 100%.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Vision Zero

North Dakota Department of Insurance

Insurance Information Institute

Auto insurance in North Dakota by city

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