Is North Dakota an at-fault or no-fault state?

North Dakota is a no-fault state for car insurance claims.

Field report · ND

Car insurance in North Dakota

North Dakota is a no-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/25

Fault systemNo-fault

Uninsured motoristRequired

RegulatorNorth Dakota Department of Transportation, Motor Vehicle Division

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage, plus a mandatory $30,000 in basic no-fault (PIP) benefits and matching 25/50 UM/UIM bodily-injury coverage.

UM and UIM bodily-injury coverage (25/50 each) are required as part of the mandatory minimum policy bundle, not merely offered.

Estimated cost

Illustrative estimate: roughly $350/year for minimum coverage - among the lowest in the nation.

Why this is a range, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use ourcost calculator for a figure based on your own details, orget matched with carriers directly.

SR-22 & high-risk filings

North Dakota has one of the shortest standard SR-22 durations in the country (as little as about 1 year for a first offense), though a third DUI conviction can trigger indefinite filing.

Local conditions worth knowing

North Dakota has one of the highest shares of traffic deaths occurring on rural roads of any state, and crash rates spike sharply from fall into winter, compounded by long emergency-response distances.

Frequently asked

What is the minimum car insurance requirement in North Dakota?: North Dakota requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage, plus a mandatory $30,000 in basic no-fault (PIP) benefits and matching 25/50 UM/UIM bodily-injury coverage.
Is North Dakota an at-fault or no-fault state?: North Dakota is a no-fault state for car insurance claims.
Do I need an SR-22 in North Dakota?: North Dakota has one of the shortest standard SR-22 durations in the country (as little as about 1 year for a first offense), though a third DUI conviction can trigger indefinite filing.
Is uninsured motorist coverage required in North Dakota?: UM and UIM bodily-injury coverage (25/50 each) are required as part of the mandatory minimum policy bundle, not merely offered.

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