Car Insurance Information for North Dakota

With the town of Rugby sitting at the geographical center of North America, about 700,000 residents call the 69,000 square miles of North Dakota home. Named for the Dakota Indian tribe, North Dakota is 212 miles long and 360 miles wide. Visitors to the state capitol grounds in Bismarck should not miss the 12-foot-high bronze statue of Lewis and Clark’s Indian guide Sakakawea and her baby son Baptiste at the North Dakota Heritage Center. The statue depicts Sakakawea toting the boy on her back, ready for yet another expedition with a westward gaze on her face.

On a per capita basis, North Dakota has 2.6 times as many bars as the national average and has 55 percent more ‘vice’ businesses as well. Not surprisingly, the Roughrider State is fourth in fatalities per 100 million miles of vehicle travel, according to a 2014 wallethub.com report. And according to a 2014 report by the Foundation for Advancing Alcohol Responsibility, in North Dakota 10.3 people die in drunk driving accidents for every 100,000 residents, the highest rate in the country. Although milk is the official state beverage, North Dakota ranks first in the nation for per capita beer consumption at a rate of 45.8 gallons per year.

Your insurance premium is likely to be higher in larger cities than rural areas, so shop for competitive rates if you live in Fargo.

North Dakota Car Insurance Requirements
State InitialsND
Population (2013)723,393
Average Credit Score (2013)721
Number of Registered Cars (2011)785,866
Average Auto Insurance Cost$549.81
Number of Collisions Per Year (2012)18,356
Annual Cost of Car Ownership$2,907
Most Popular Car in North DakotaFord F-150
Highest Per Capita Auto Theft by Metropolitan Statistical AreaFargo, ND-MN
Is Bodily Insurance Liability Required?Yes
Is Property Damage Liability Insurance Required?Yes
Minimum Liability Requirements$25,000 bodily injury per person per accident/$50,000 total bodily per accident/$25,000 property damage per accident
Is Collision Required?No
Is Comprehensive Required?No
Is Medical Payments Coverage Required?No
Is Un/Underinsured Coverage Required?Yes
Minimum Requirement$25,000 bodily injury per person/$50,000 total bodily injury
Is PIP Required?Yes
PIP Requirements$30,000 per person in an accident
Is North Dakota a No-Fault State?Yes
Opt Out?No
No-Insurance ViolationIf you receive a no-insurance violation, it may result in the following: a class B misdemeanor charge, a minimum fine of $150, 14 points against your driver's license if you are involved in an accident, and/or suspension of your driver's license.
SR-22If you are required to carry SR-22 insurance, you will have to carry that coverage for 1 year.