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• ND Auto Insurance
• North Dakota Insurance Laws

North Dakota Insurance Laws & Liability Requirements

North Dakota: Minimum Mandatory Insurance Requirements

Required auto insurance in North Dakota:

• $ 25,000 for bodily injury to or death of one person
• $ 50,000 for bodily injury to or death of two or more persons
• $ 25,000 for property damage in any one accident

Liability

Every state requires a certain minimum amount of liability insurance and North Dakota is no exception. Liability insurance covers you and your passengers’ bodily injuries and property damage in the case that you are held liable for causing the accident.

Collision

Collision insurance covers damage to your vehicle in a car accident with another vehicle.

Comprehensive

Comprehensive auto insurance covers damage to your vehicle that is caused by non-collision events such as:

• falling objects
• fire
• theft
• explosion
• earthquake
• windstorm
• hail
• water
• malicious mischief
• civil commotion
• contact with a bird or animal
• breakage of glass

Medical Payment Coverage

Medical payment coverage covers you and/or your passengers’ necessary and reasonable medical and funeral services.

Uninsured/Underinsured Motorist Coverage

This is required in North Dakota. This is insurance that covers any damages you receive from an accident with an uninsured or underinsured driver.