North Dakota Car Insurance
The average North Dakota driver pays $1,330/year for full coverage and $400/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare North Dakota quotes →At a glance
- Avg. full coverage
- $1,330 / year
- Avg. minimum coverage
- $400 / year
- State minimum
- 25/50/25
- No-fault state?
- Yes
- PIP required?
- Yes
- UM/UIM required?
- Yes
North Dakota Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in North Dakota is:
25/50/25
$25K bodily injury per person, $50K per accident, $25K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in North Dakota
By market share, these carriers write the most policies in North Dakota:
- 1State Farm
- 2American Family
- 3Allstate
- 4Nodak
- 5GEICO
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about North Dakota
No-fault state. Nodak Insurance is a strong ND-specific regional carrier.
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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.