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North Dakota Car Insurance Resources

North Dakota Car Insurance

Car Insurance Rates in ND

^ From 2006 to 2010, North Dakota cities had the 51st highest auto insurance rates in the nation. [2]

Car Insurance in ND by City

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Cars Insured in ND

^ North Dakota ranked 46th of all U.S. states in total auto insurance policies in 2011. [1]

ND Car Insurance

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

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

North Dakota Car Insurance Facts, Estimates & Related Laws
  • 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. [2]
  • 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. [1]
  • Uninsured Motorist Rate in ND
    • The uninsured motorist rate in ND ranked 42nd in the nation in 2009. [3]

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. [7]
  • 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 [7]

North Dakota Auto & Driver Facts

North Dakota Automotive Facts

North Dakota Auto & Driver Facts
  • Speed Limits in ND
    • Rural interstates: 75 mph [7]
    • Urban interstates: 75 mph [7]
    • Other roads: 65 mph [7]
  • Motor Fuel Consumption in ND
    • North Dakota cities collectively ranked 43rd in the nation in total motor fuel consumption in 2011. [9]

North Dakota Licensed Drivers

  • Licensed Drivers in ND [10]
    • Total Drivers: 490,146
    • Female: 240,757
    • Male: 249,389
    • 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. [6]

ND Car Insurance

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?

As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.


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

North Dakota Cities