Minimum car insurance in North Dakota.
What North Dakota requires, in plain words, and why the minimum may not be enough.
The minimum limits
In North Dakota, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
North Dakota uses a no-fault style system, so your own policy pays part of your medical costs after a crash whoever caused it. The exact rules differ from the at-fault system used in most states.
No-fault. Basic PIP $30,000 required; UM required at 25/50 and UIM must equal UM limits.
What the minimum means in practice
Say a crash you cause injures three people. The North Dakota minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in North Dakota
A first violation requires the driver to give the Department of Transportation proof of liability insurance for one year, with license suspension if proof is not provided; a second or later violation brings court-ordered plate impoundment until proof and a $20 fee are provided. The license is replaced with a $50 duplicate carrying an insurance-proof notation, and removing the notation costs another $50.
Proof of insurance
On request from an officer, a driver must show satisfactory written or electronic evidence of insurance.
SR-22 and similar filings
After a suspension for violations such as DUI or driving without insurance, a driver must show financial responsibility for one year, which an insurer can meet by filing an SR-22; after a no-insurance conviction, proof is required for three years using Form SFN 54148, and the state does not require an SR-22 for that.
Also worth knowing in North Dakota
If a lender force-places insurance on a financed car, that policy does not provide liability coverage for the owner.
Your state regulator
North Dakota Insurance Department is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is North Dakota a no-fault state?
North Dakota uses a no-fault style system for medical costs, with its own rules.