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North Dakota Auto Insurance for First-Time Drivers

North Dakota requires 25/50/25 liability coverage and is a no-fault state.

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North Dakota at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP and Uninsured motorist coverage must be on every policy

14

Minimum learner's permit age, 50 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in North Dakota

North Dakota operates under a traditional tort liability system, meaning the at-fault driver's insurance pays for damages after an accident. All drivers must carry proof of insurance and present it during traffic stops or after crashes. The North Dakota Insurance Department enforces these requirements and mandates that uninsured/underinsured motorist coverage match your liability limits unless you decline it in writing.

Bodily Injury Liability

Pays medical bills, lost wages, and legal fees if you injure someone in an at-fault accident. North Dakota allows injured parties to sue you directly for damages beyond your policy limit, putting your personal assets at risk if you carry only the minimum.

Property Damage Liability

Covers repair or replacement costs when you damage another person's vehicle, fence, building, or other property. North Dakota's harsh winters increase the likelihood of multi-vehicle collisions, making higher limits a practical choice for first-time drivers still building defensive driving skills.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. North Dakota requires insurers to offer this at the same limits as your liability coverage — you must actively reject it in writing to remove it from your policy.

Collision Coverage

Pays to repair or replace your vehicle after hitting another car, object, or rolling over, regardless of who caused the accident. Not legally required, but mandatory if you finance or lease your vehicle — lenders require it to protect their investment.

Comprehensive Coverage

Covers damage to your vehicle from non-collision events like hail, theft, vandalism, hitting a deer, or fire. North Dakota experiences frequent severe hailstorms — the state ranks among the top 10 nationally for hail damage claims, with storms in Fargo, Bismarck, and Grand Forks causing millions in vehicle damage annually. Also mandatory if you finance or lease, with a deductible you select when purchasing the policy.

What Drivers Pay in North Dakota

$212/mo

Typical monthly rate in North Dakota, new drivers

Rate data: Insurify, 2026

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Rules for new drivers

Night driving

restricted license only; sunset-sunrise for under-16 restricted

Passengers

graduated; no more than 1 passenger under restricted license

Source: IIHS and state DMV records, verified July 2026

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. The premium is the amount you pay monthly or annually to keep the policy active, and the liability limit is the maximum your insurer pays per accident before you're responsible for the rest.

Full Coverage

Combines liability, collision, and comprehensive into a single package that protects both your legal responsibility and your own vehicle. Required by lenders if you finance or lease, and recommended if your car is worth more than a few thousand dollars.

Comprehensive Coverage

Pays for damage from hail, theft, vandalism, fire, flooding, and animal strikes. You choose a deductible when buying the policy — the amount you pay before insurance covers the rest — typically $500 or $1,000.

Collision Coverage

Repairs or replaces your vehicle after hitting another car, a pole, a guardrail, or rolling over, regardless of fault. Pays the actual cash value of your vehicle minus your deductible, not the amount you originally paid or still owe on a loan.

Uninsured Motorist Coverage

Covers your medical bills, lost income, and vehicle damage when hit by a driver with no insurance or insufficient coverage. Functions like a backup liability policy that protects you instead of others.

SR-22 Insurance

Not a coverage type but a certificate proving you carry insurance, filed by your insurer with the state after a DUI, license suspension, or serious violation. Required for a period set by the court or North Dakota Department of Transportation, typically three years.

Find Your City in North Dakota

Fargo

suburban

Bismarck

suburban

Grand Forks

urban

Minot

urban

West Fargo

suburban