2026 North Dakota Car Insurance Calculator

North Dakota requires 25/50/25 liability minimums, plus $30,000 in Personal Injury Protection (PIP) and $25,000/$50,000 in Uninsured and Underinsured Motorist coverage. North Dakota's mandatory coverage stack is one of the most comprehensive default requirements of any state in the upper Midwest.

Yes, North Dakota is a no-fault state, meaning your PIP coverage pays your medical bills and lost wages after an accident regardless of who caused it. You can step outside the no-fault system and sue the at-fault driver for pain and suffering only if your medical costs exceed $2,500 or your injury meets a defined severity threshold such as permanent disfigurement or disability lasting more than 60 days.

North Dakota winters are among the harshest in the continental United States and ice, snow and blizzard conditions contribute to elevated collision claim frequency from December through March. Comprehensive claims from hail — particularly during spring and summer severe weather — are also a significant cost driver. North Dakota drivers who drop comprehensive or collision coverage to save money face meaningful exposure to the state's most common claim types.

Driving without insurance in North Dakota results in a fine of up to $1,500 and license suspension. Reinstatement requires proof of current insurance, an SR-22 filing and payment of reinstatement fees. North Dakota uses electronic insurance verification and coverage lapses are flagged to the DOT when an insurer reports a policy cancellation.