North Dakota drivers pay around $1,804 a year for full coverage — about 33% under the national average. The state runs on no-fault rules that require PIP and uninsured/underinsured motorist coverage on top of a 25/50/25 liability minimum. Here's the coverage you must carry, what residents pay, and how to find a cheaper rate.
North Dakota follows no-fault rules with a $30,000 PIP requirement and mandatory uninsured/underinsured motorist coverage, making its minimum policy more protective than most despite low premiums. Full coverage averages roughly $1,804 a year, about 33% under the national average, aided by sparse population and light traffic. Harsh winters and hail are the main claim drivers, and credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in North Dakota. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $25k | Mandatory |
| Personal injury protection | $30,000 | Mandatory — North Dakota is a no-fault state |
| Uninsured / underinsured motorist | $25k / $50k | Compulsory in North Dakota |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,804/yr | 33% below U.S. | Comprehensive and collision included |
| Minimum coverage | $397/yr | 53% below U.S. | Bundles PIP + UM/UIM |
Estimates apply national rate-increase multipliers to North Dakota's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,804/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$2,580/yr | +43% | 1,804 × 1.43 per Bankrate |
| Speeding ticket | ~$2,237/yr | +24% | 1,804 × 1.24 per Bankrate |
| DUI on record | ~$3,392/yr | +88% | 1,804 × 1.88 per Bankrate |
| Young driver (18–24) | ~$3,608/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$3,067/yr | +70% | 1,804 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
North Dakota blends low premiums with strong default protection — required PIP and UM/UIM mean even a minimum policy covers your injuries and uninsured-driver risk. Winter weather makes collision and comprehensive coverage valuable, and full coverage costs little more than the minimum. With credit and location still shaping rates, a quick comparison keeps an already-low North Dakota premium competitive.
North Dakota is an affordable, no-fault state with strong protection built into the minimum. Carrying full coverage (cheap here) and weighing a few carriers is the best way to stay well-protected at a low price.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for North Dakota are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the North Dakota insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.