Car Insurance in North Dakota
Car Insurance Liability Requirements in North Dakota
Minimum Liability Limits in ND: 25/50/25 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
25 Required coverage up to $25,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in North Dakota
Auto Insurance Coverage Requirements in ND [ 4]
Bodily injury liability coverage Property damage liability coverage Uninsured motorist coverage Underinsured motorist coverage Personal injury protection coverage Car Insurance Verification Laws in North Dakota
Insurer Verification of Auto Insurance in ND [ 4]
Insurer must verify randomly selected insurance policies upon request.
North Dakota Car Insurance Facts, Estimates & Related Laws
North Dakota Car Insurance Facts
Average Car Insurance Rates in ND
North Dakota had the 50th highest auto insurance rates in the nation in 2010.
[ 2] Rates in ND ranked 51st in the nation in 2009.
[ 2] In 2008, ND had the 51st highest rates in the country.
Number of Auto Insurance Policies in ND
North Dakota ranked 46th in the nation in auto insurance policies in 2011 with a total of 624,462.
Uninsured Motorist Rate in ND
The uninsured motorist rate in ND ranked 42nd in the nation in 2009.
North Dakota Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? No
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
North Dakota Automotive Laws
Safety Belt Laws in ND
Safety belt laws have been in place since 1994 and apply to drivers/passengers 18+ years in front seat.
[ 7] Child restraint law in place for 6 years and younger and less than 57 inches or less than 80 pounds.
Motorcycle Helmet Laws in ND
Motorcycle helmets required for 17 and younger.
[ 7] North Dakota\'s motorcycle helmet use law covers all passengers traveling with operators who are covered by the law. [ 7]
Driver's License Renewal Cycle in ND
Renewal cycle: 6 years
North Dakota Auto & Driver Facts
North Dakota Automotive Facts
Speed Limits in ND
Rural interstates: 75 mph
[ 7] Urban interstates: 75 mph
[ 7] Other roads: 65 mph
Motor Fuel Consumption in ND
North Dakota cities collectively ranked 43rd in the nation in total motor fuel consumption in 2011.
North Dakota Licensed Drivers
Licensed Drivers in ND [ 10]
Total Drivers: 490,146
ND has the 49th most drivers in the U.S.
Minimum Driving Age in ND [ 5]
North Dakota has a minimum driving age of 14 years.
North Dakota Auto Registrations
Auto Registrations in ND [ 8]
Registered Cars: 328,511
Registered Trucks: 422,071
Registered Motorcycles: 32,668
Total Registrations: 785,866
Rank: North Dakota ranked 48th in the United States in total auto registrations in 2011.
Additional information about North Dakota
About North Dakota
North Dakota has a population of approximately 672,591, which ranks 48th in the U.S. among all states.
More about North Dakota auto insurance
For more information about auto insurance in ND, or for additional resources regarding
North Dakota car insurance, visit the North Dakota Department of Insurance.
Did you know?
Across all U.S. states,
Massachusetts has the fewest uninsured drivers - approximately 4.5 percent at last measure.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration