North Dakota

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

Yes

No-Fault

$30,000

PIP Minimum

UM+UIM

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredYes

Underinsured Motorist RequiredYes

PIP RequiredYes — $30,000 minimum

No-Fault StateYes

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date1983-01-01

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.

Official Source

North Dakota Department of Transportation

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.