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North Dakota Car Insurance Rates

Car insurance in North Dakota is cheapest in Red River country and more expensive toward the Montana border. Comparable state car insurance rates for every city and town in North Dakota are shown below.

North Dakota car insurance requirements

North Dakota state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $25,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Personal injury protection $30,000 limit
North Dakota Car Insurance Rates by ZIP Code & City To learn more about the most and least expensive cities for car insurance, click the link below. Car insurance rate comparison >
Top Cities
Priciest Neighborhoods
In North Dakota
  • 58566: $1,554
  • 58570: $1,554
  • 58538: $1,554
  • 58533: $1,554
Cheapest Neighborhoods
In North Dakota
  • 58205: $1,156
  • 58204: $1,156
  • 58203: $1,237
  • 58202: $1,239

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What you need to know about car insurance in North Dakota

Penny Gusner
Consumer Analyst

North Dakota's minimum liability limits of 25/50/25 may be adequate for motorist without many assets of his or her own. If you own a home and have savings you want to safeguard, we recommend you increase your coverage to 100/300/50 or higher.

Remember, liability is what covers you when you harm others in an accident. It does not cover your car or your injuries.

North Dakota is a no-fault state, so you must carry at least $30,000 of personal injury protection (PIP). Regardless of fault, if you're injured in a car crash you claim first against your PIP coverage. Once that limit is exceeded, you would file against the at-fault driver's liability policy.

If you are injured by an uninsured or underinsured driver, you're covered by a mandatory uninsured/underinsured motorist bodily injury policy.

Penalty for driving without insurance: It's a misdemeanor to be an uninsured motorist, and you will receive a fine of at least $150. If you are also in an accident, you will be responsible for the damages you caused others, plus get 14 points assessed against your North Dakota driver's license, which is enough get your license suspended.

Drivers start earlier: Teens as young as 14 can obtain an instruction permit and at 15 can receive a restricted driver's license. Parents and teens can read up on the requirement and restrictions on the state's Department of Transportation website.

Largest car insurance companies for North Dakota by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 Progressive Insurance Group 60,477 14.73
2 State Farm Group 58,062 14.14
3 Amer Family Insurance Group 42,383 10.32
4 QBE Americas Group 37,235 9.07
5 Nodak Mutual Group 36,683 8.94
6 Farmers Insurance Group 16,363 3.99
7 USAA Group 15,645 3.81
8 Berkshire Hathaway Insurance 14,700 3.58
9 Auto-Owners Insurance Group 13,485 3.29
10 Center Mutual Insurance Company 13,093 3.19
Source: A.M. Best market share rankings are based on direct premiums written in 2013.