STATE LAW – NORTH DAKOTA LIBRARY – GUIDE 02
Required Auto Insurance & Minimum Limits in North Dakota
North Dakota requires liability insurance together with uninsured motorist, underinsured motorist, and basic no-fault coverage. The North Dakota Insurance Department currently identifies minimum liability limits of $25,000 for bodily injury to one person, $50,000 per accident, and $25,000 for property damage; uninsured motorist limits of $25,000/$50,000; underinsured motorist coverage equal to the uninsured motorist coverage; and $30,000 of basic no-fault benefits per person.
- Confirm the declarations page, covered vehicle and actual liability limits; statutory minimums are only the starting point.
- Identify mandatory UM/UIM and basic no-fault benefits, plus any optional higher limits.
- Investigate owner, household, employer, commercial, umbrella and excess coverage when the facts support additional policies.
- Do not treat minimum financial-responsibility limits as a cap on the insurance actually available for a serious crash.
Primary North Dakota Sources
- North Dakota Insurance Department — Auto Insurance
- North Dakota Century Code Chapter 26.1-40 — Motor Vehicle Insurance
- North Dakota Century Code Chapter 26.1-41 — Auto Accident Reparations
Current North Dakota required coverages
North Dakota requires at least $25,000 bodily-injury liability per person, $50,000 per accident, and $25,000 property-damage liability. The state also requires $25,000/$50,000 uninsured-motorist coverage, matching underinsured-motorist coverage, and $30,000 per person in basic no-fault benefits.
North Dakota is a no-fault state for basic economic-loss benefits
Basic no-fault, also called PIP, pays qualifying economic loss without regard to fault. Liability, UM/UIM, no-fault, and optional physical-damage coverages should be analyzed separately.
PUBLIC-INTEREST LEGAL EDUCATION
VictimsGuide does not provide legal services or create an attorney-client relationship. Insurance requirements, deadlines, remedies and controlling authority can change. Verify current primary authority, policy language and the law applicable to the particular event before legal reliance.
Official Sources
Verify current North Dakota law at the source
The reviewed North Dakota guide content above is preserved. Use current statutes, insurance regulation, controlling cases and the operative policy before legal reliance.
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