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North Dakota Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in North Dakota. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in North Dakota.

ND Auto Insurance Laws and Regulations:

North Dakota Dept. of Insurance / State Capitol, 5th Floor
600 East Boulevard Ave.
Bismarck, ND 58505

Minimum Car Insurance Coverage in ND:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$25,000 for damage to property

ND Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


ND Uninsured Penalties:

If you're caught without proper insurance, you will be fined up to $150, and have up to 12 points placed on your driving record. Too many points on your driving record will result in its suspension. It will likely also result in higher insurance rates.

For a second or subsequent offense of driving without insurance within an 18 month period, you will be fined up to $300 and have another 6 to 12 points placed on your driving record. In addition, you will be required to file an SR-22 proof of insurance with the state for up to three years and failing to do so will mean an immediate suspension of your license.


ND Department of Insurance Contact Information:

1-701-328-2440 or
Toll Free: 1-800-247-0560

ND State Insurance Department Website:





Directory of North Dakota Auto Insurance Agents by County

Adams
Barnes
Benson
Bottineau
Bowman
Burke
Burleigh
Cass
Cavalier
Dickey
Divide
Eddy
Emmons
Foster
Golden Valley
Grand Forks
Grant
Griggs
Hettinger
Kidder
Lamoure
Logan
Mchenry
Mcintosh
Mckenzie
Mclean
Mercer
Morton
Mountrail
Nelson
Oliver
Pembina
Pierce
Ramsey
Ransom
Renville
Richland
Rolette
Sargent
Sheridan
Stark
Steele
Stutsman
Towner
Traill
Walsh
Ward
Wells
Williams

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