Cheap car insurance in North Dakota for good drivers
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Affordable North Dakota car insurance that puts you first
Root rewards North Dakota drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized North Dakota auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your North Dakota auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Peace Garden State
North Dakota driving means long horizons, changing seasons, and plenty of miles between cities. Fargo and Bismarck anchor I-94, while Grand Forks, Minot, and western North Dakota keep drivers moving well beyond that corridor.
Across the state: I-94 connects Fargo, Jamestown, Bismarck, and Dickinson before continuing toward Montana.
North and west: I-29 links Fargo with Grand Forks, while routes toward Minot, Williston, and Theodore Roosevelt National Park cover a very different part of North Dakota.
Check conditions: The North Dakota Department of Transportation provides highway, travel, and road-condition resources.
From Fargo to Bismarck and beyond: Explore North Dakota car insurance from Root.
North Dakota's minimum auto insurance requirements
To legally operate a vehicle in North Dakota, you must carry Liability insurance, Uninsured/Underinsured Motorist coverage, and Personal Injury Protection. If you are found driving without these, you may be charged with a misdemeanor, face fines, and have your license suspended.
The minimum coverage amounts for liability, PIP, and UI/UIM car insurance required for drivers in North Dakota are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident (multiple people injured)
Property damage liability
$25,000 per accident
Personal injury protection
$30,000
Uninsured/underinsured motorist coverage
$25,000 Bodily Injury per person
$50,000 Bodily Injury (multiple people injured)
Types of North Dakota auto insurance we offer
Explore our North Dakota car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
Personal Injury Protection (PIP) coverage
Required in North Dakota, PIP covers eligible medical expenses and/or lost wages for you and your family members after an accident, regardless of fault.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in North Dakota?
The average North Dakota driver pays $2,439 per year for full coverage car insurance [2].
Root customers looking to purchase North Dakota car insurance could save up to $1,300 a year.
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North Dakota Auto Insurance FAQs
What is the minimum car insurance required in North Dakota?
To legally operate a vehicle in North Dakota, you must carry liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in North Dakota.
Is it legal to drive without insurance in North Dakota?
No, you cannot legally drive without auto insurance in North Dakota. State law requires every driver and vehicle owner to maintain continuous liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in North Dakota?
Yes. North Dakota requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in North Dakota?
The easiest ways to save on your North Dakota car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Peace Garden State.
Is North Dakota a no-fault car insurance state?
Yes, North Dakota is a no-fault state. Your own Personal Injury Protection (PIP) coverage pays for your medical expenses after a crash, regardless of who caused it. You can generally only sue the at-fault driver for injuries in limited situations, such as when injuries are serious enough to meet the state’s threshold.
Is auto collision insurance required in North Dakota?
North Dakota law does not require drivers to carry collision coverage. The state only requires minimum liability insurance, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in North Dakota?
Yes, North Dakota requires drivers to carry uninsured/underinsured motorist coverage. It helps pay for injuries (and, depending on your policy, vehicle damage) when the at-fault driver has no insurance or not enough coverage. You can review your uninsured/underinsured motorist coverage options, including higher limits, in our app.
Does Root offer full coverage car insurance in North Dakota?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in North Dakota?
High-risk North Dakota drivers may be ordered by a court or the North Dakota DOT to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
When can you sue after a car accident in North Dakota?
Because North Dakota is a no-fault state, your own personal injury protection (PIP) coverage pays for your injuries first. You can file a claim against the at-fault driver only if your medical expenses exceed $2,500, or if you suffer a serious injury such as permanent disfigurement or a disability lasting 60 days or more.
What happens if I'm partly at fault for an accident in North Dakota?
North Dakota uses a modified comparative fault rule with a 50% bar. You can recover damages only if you're less at fault than the other driver, and your compensation is reduced by your share of fault. If you're found 50% or more at fault, you can't recover damages.
Helpful resources for North Dakota drivers
North Dakota Department of Transportation
North Dakota Driver's License Information
Find license requirements, testing information, and REAL ID details on the NDDOT driver's license page.
North Dakota Insurance Department
The North Dakota Insurance Department regulates insurance in the state and helps consumers with insurance questions and complaints.
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References
Insure.com. Annual average rates were compiled in 2026.