North Dakota

North Dakota requires minimum liability of 25/50/25 ($25,000 bodily injury per person / $50,000 per accident / $25,000 property damage), PLUS Personal Injury Protection (PIP) of at least $30,000. North Dakota is a no-fault state, so drivers recover medical costs from their own PIP coverage regardless of fault.

Bodily injury liability in North Dakota pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in North Dakota pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $25,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

North Dakota REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM/UIM coverage at 25/50 bodily injury is mandatory. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

North Dakota REQUIRES Personal Injury Protection (PIP) of at least $30,000. PIP pays your own medical bills, a portion of lost wages, and certain replacement services after a crash, regardless of who was at fault. PIP is the cornerstone of the state's no-fault system.

North Dakota is a no-fault state requiring $30,000 PIP per person. Tort actions are limited unless the injury exceeds the PIP threshold or causes serious permanent injury.

Self-insurance certificates available for fleets of 26+ vehicles through the Insurance Department. SR-22 required for one year after DUI, uninsured accidents, or repeat suspensions.

For the most current minimum auto insurance requirements in North Dakota, consult the official source at https://www.insurance.nd.gov/. State minimums change periodically; verify current law before relying on these figures.