North Dakota Auto Insurance

North Dakota is a “No Fault” state. That means that every driver is required to purchase Personal Injury Protection, PIP, in which the driver’s or policy holder’s (“first party”) insurance company covers non-catastrophic injury-related expenses and associated costs as a result of an accident regardless who is “at fault.” This insures that every motorist will receive immediate medical attention. Also, this limits a driver from suing or being sued for damages as a result of an accident in most cases. However, based on the severity of the accident/injury or monetary amount, if you are at fault you may be subject to a lawsuit for damages.

For more information on No Fault insurance, our article is here no fault insurance.

Personal Injury Protection (PIP)--$30,000 per person per accident (for hospital/medical costs, and lost wages)

Required Minimum Coverage—25/50/25. $25,000 for injury liability for one person in an accident, $50,000 for all injuries in any one accident, and $25,000 for property damage in an accident

Mandatory Insurance Coverage—PIP (No Fault) policy, Property Damage Liability policy, Bodily Injury Liability policy, Uninsured policy

Required Minimum Uninsured Coverage - $25,000 for injuries to one person and $50,000 for injuries to two or more people in any accident

Proof of Insurance—is not required to be maintained in your vehicle.

Important North Dakota Auto Insurance Laws!

Although not required under law, if you have an outstanding loan on your vehicle, the lien holder who is the vehicle’s legal owner, will probably require you to carry comprehensive and collision insurance coverage.

Penalty for Failure to Comply—if you operate or allow another to operate your vehicle without auto insurance meeting state requirements you can receive a $150 fine, registration revocation, and license suspension

Non-Seatbelt Use

You can not be pulled over for non-seat belt use. However, if you are pulled over for another infraction the penalty for seatbelt noncompliance is $20 fine for the front seats and if you get into an accident, damage mitigation could result.

North Dakota Insurance Department

ND Insurance Department
State Capitol, Fifth Floor
600 East Boulevard Avenue
Bismarck, ND 58505-0320

Phone: 701 328-2440
Fax: 701 328-4880
Hotline: 800 247-0560

Website: North Dakota Insurance Department Website
Email: insuranc@state.nd.us