North Dakota Car Insurance
North Dakota is a no-fault state under the North Dakota No-Fault Insurance Act. Every policy must carry 25/50/25 liability under N.D.C.C. § 39-16.1-111, $30,000 Basic No-Fault under § 26.1-41-062, and 25/50 UM/UIM compulsory under § 26.1-40-154. A $2,500 medical tort threshold limits non-economic recovery3.
YesWeSure Bottom Line
No-fault with four compulsory coverages. Liability (25/50/25), Basic No-Fault ($30K), UM (25/50), UIM (25/50). All four are required on every North Dakota personal auto policy124.
Monetary tort threshold. You can sue for non-economic damages only if your medical expenses exceed $2,500 or you meet one of the serious-injury categories3.
How to make a real decision. Treat 25/50/25 + $30,000 Basic No-Fault as the floor. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What North Dakota car insurance law requires
Minimum liability limits
25 / 50 / 251
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under the North Dakota Motor Vehicle Financial Responsibility Law (N.D.C.C. § 39-16.1-11).
Basic No-Fault (PIP)
$30,000 required (no-fault)2
Every North Dakota policy must include $30,000 Basic No-Fault benefits per person for medical, work loss ($150/week), replacement services, survivor benefits, and funeral benefits, under N.D.C.C. § 26.1-41-06.
Uninsured / Underinsured Motorist
25 / 50 BI required4
N.D.C.C. § 26.1-40-15 requires UM and UIM bodily-injury coverage at 25/50 on every North Dakota personal auto policy. UM/UIM is compulsory, not merely must-offer.
Monetary tort threshold
$2,500 medical or serious injury3
N.D.C.C. § 26.1-41-08 limits recovery of non-economic damages to cases meeting a $2,500 medical-expense threshold or specified serious-injury categories (serious and permanent injury, disfigurement, disability for more than 60 days, or death).
Coverage verification
North Dakota DOT insurance verification5
The North Dakota Department of Transportation administers insurance verification. Confirmed lapse under N.D.C.C. § 39-16.1-12 can trigger driver license and registration suspension plus SR-22 filing requirements.
Rate approval regime
North Dakota Insurance Department oversight6
North Dakota does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/25 compulsory liability
N.D.C.C. § 39-16.1-11 compels every registered North Dakota vehicle to carry 25/50/25 liability1. Many North Dakota drivers carry higher limits.
$30,000 Basic No-Fault under N.D.C.C. § 26.1-41-06
Every North Dakota policy must include $30,000 Basic No-Fault benefits per person for medical, work loss ($150/week), replacement services, survivor benefits, and funeral benefits2. North Dakota is a no-fault state. For how PIP works, see our PIP coverage guide.
25/50 UM and UIM compulsory
N.D.C.C. § 26.1-40-15 requires UM and UIM bodily-injury coverage at 25/50 on every North Dakota personal auto policy4. UM/UIM is compulsory, not merely must-offer.
DOT verification and lapse enforcement
The North Dakota Department of Transportation administers insurance verification. A confirmed lapse under N.D.C.C. § 39-16.1-12 can trigger driver license and registration suspension plus SR-22 filing requirements5. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
North Dakota does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age6.
Where the North Dakota situation rules live on YesWeSure
This State Guide owns the North Dakota pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. North Dakota SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DOT consequences of a lapse are treated in our after-a-lapse guide.
- Moving into North Dakota. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/25 minimum liability under N.D.C.C. § 39-16.1-11 verified against the statute.
- StrongCompulsory Basic No-Fault at $30,000 under N.D.C.C. § 26.1-41-06 verified against the statute. North Dakota is a no-fault state. Consistent with the frozen YesWeSure medical-payments guide listing North Dakota as a PIP state; no conflict.
- StrongMonetary tort threshold ($2,500 medical) and serious-injury threshold under N.D.C.C. § 26.1-41-08 verified against the statute.
- StrongUM/UIM compulsory at 25/50 under N.D.C.C. § 26.1-40-15 verified against the statute. UM/UIM is compulsory, not merely must-offer.
- StrongDOT insurance verification under N.D.C.C. § 39-16.1-12 verified against the statute.
- LimitedDeliberately omitted from V1. A North Dakota modeled cost anchor; carrier-specific ND underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A North Dakota-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in North Dakota?
25/50/25 liability + $30,000 Basic No-Fault + 25/50 UM/UIM, under N.D.C.C. §§ 39-16.1-11, 26.1-41-06, and 26.1-40-15124.
Is North Dakota a no-fault state?
Yes. North Dakota is a no-fault state under the North Dakota No-Fault Insurance Act (N.D.C.C. Chapter 26.1-41)2.
Is UM/UIM required in North Dakota?
Yes. UM and UIM are compulsory at 25/50 on every North Dakota personal auto policy under N.D.C.C. § 26.1-40-154.
Sources & methodology
- N.D.C.C. § 39-16.1-11: North Dakota Motor Vehicle Financial Responsibility Law; 25/50/25 compulsory liability. (North Dakota Legislative Assembly, TIER 1)
- N.D.C.C. § 26.1-41-06: Basic No-Fault benefits ($30,000 per person) under the North Dakota No-Fault Insurance Act. (North Dakota Legislative Assembly, TIER 1)
- N.D.C.C. § 26.1-41-08: monetary and serious-injury tort threshold for non-economic damages. (North Dakota Legislative Assembly, TIER 1)
- N.D.C.C. § 26.1-40-15: Uninsured and Underinsured Motorist coverage compulsory at 25/50. (North Dakota Legislative Assembly, TIER 1)
- N.D.C.C. § 39-16.1-12: compulsory motor vehicle insurance; penalties and license/registration suspension for operation without insurance. (North Dakota Legislative Assembly, TIER 1)
- North Dakota Insurance Department: Automobile Insurance consumer page. (North Dakota Insurance Department, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: Personal injury protection (PIP) (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (North Dakota Century Code, North Dakota Insurance Department). Every legal number traces to a North Dakota primary source: N.D.C.C. §§ 26.1-40-15, 26.1-41-06, 26.1-41-08, 39-16.1-11, 39-16.1-12. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .