Auto Insurance Minimum Requirements
North Dakota requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. North Dakota is a no-fault state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is required at a minimum of $30,000.
Uninsured / Underinsured Motorist
Mandatory minimum limits require 25/50 coverage levels for both UM and UIM.
SR-22 Filings
Required for a 3-year term following severe administrative enforcement actions or a DUI conviction.
Alternatives to Insurance
Corporate fleet self-insurance mechanisms approved by the DOT.
Fine
Up to $1,500
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in North Dakota?
North Dakota requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is North Dakota a no-fault state?
Yes, North Dakota is a no-fault state. Drivers file injury claims with their own insurance regardless of who caused the accident. PIP coverage pays for medical expenses up to policy limits.
Is uninsured motorist coverage required in North Dakota?
Yes. North Dakota requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. Mandatory minimum limits require 25/50 coverage levels for both UM and UIM.
What happens if I drive without insurance in North Dakota?
Driving without insurance in North Dakota can result in fines of Up to $1,500 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in North Dakota?
SR-22 filings are used in North Dakota for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a 3-year term following severe administrative enforcement actions or a DUI conviction.
What does 25/50/25 mean in North Dakota?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
Compare North Dakota Auto Insurance Rates — Partner Services
Now that you know North Dakota's minimum requirements, make sure you're getting the best rate. Compare quotes from top insurers in minutes.
Sponsored. DataTactic may earn a referral fee from these partners. This does not affect our data or editorial content.
Official Source
North Dakota Department of Transportation
More North Dakota Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — North Dakota Department of Transportation publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.