North Dakota
North Dakota

Find out how much you can save on North Dakota car insurance.

Download the app. Take a test drive around the Peace Garden State. Get a free quote.

Why choose Root for your North Dakota insurance policy?

North Dakotans, did you know that your state is the single biggest producer of honey in the U.S.? With all that amber goodness, it can be easy to forget that citizens of the Peace Garden State can still run into some sticky situations on the road. Thankfully, Root is here to help. You could save 52% on car insurance just by downloading the Root app and taking our test drive. Talk about a sweet deal.

What makes Root different from traditional insurers in North Dakota?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Peace Garden State.

It’s a good time to be a good driver in North Dakota.

Because North Dakota is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Fargo to Bismarck, Grand Forks to Williston, and all points between (we’re looking at you, Minot).

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in North Dakota?

To legally operate a vehicle in North Dakota, you must carry liability, uninsured/underinsured motorist, and personal injury protection (PIP or no-fault) coverage. If you’re found driving without the required insurance, you can be charged with a misdemeanor, and face fines and possible suspension of your driver’s license.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in ND:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)
  • $25,000 Property Damage

You can always opt for higher limits if you want more coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM):

This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. It also covers you if you’re in an accident with a driver whose car insurance is insufficient, or underinsured.

Minimum required uninsured/underinsured motorist coverage:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)

Again, you can always go for higher limits if you want more coverage.

Personal Injury Protection (PIP)

North Dakota also requires drivers to have Personal Injury Protection (PIP), also called no-fault car insurance. PIP coverage will help pay for your medical bills after a car accident, regardless of who is at fault for the accident. If you’re involved in a car accident caused by another driver, that driver's liability insurance is responsible for your medical costs even after your PIP goes into effect.

Minimum required personal injury protection coverage:

  • $30,000

You can always request more coverage if you like.

When do you need to show proof of insurance?

You must show proof of insurance if you’re stopped by a police officer or involved in a car accident. Acceptable forms include:

  • An insurance ID card issued by your insurance carrier
  • Electronic version of your ID card, like the one found in the Root app on your phone

Failure to present proof of insurance to a police officer at a traffic stop may result in a citation. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What are the fines and penalties if you’re caught without insurance?

If you’re found driving without insurance, you’ll face:

  • Fines of up to $1000.
  • Up to 30 days in jail.


Under certain circumstances, the state may require you to file an SR-22 with the State Drivers License Division. An SR-22 Financial Responsibility filing, often referred to as SR-22 Insurance, is a type of proof of insurance that certifies that you will maintain your car insurance for one year. Your insurance company must file an SR-22 for you. (Root does this for free.)

What is the average cost of car insurance in North Dakota?

The average driver North Dakotan pays $1,2912 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Root doesn’t insure high-risk drivers, so Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

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