The Peach Garden State

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North Dakota Auto Insurance Coverage

Home to the Theodore Roosevelt National Park, North Dakota is full of natural beauty waiting to be explored. But, whether you're new to the area or have deep roots in the Peach Garden State, it's essential to understand the auto insurance requirements in North Dakota.

Required Auto Insurance in North Dakota

North Dakota requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. North Dakota requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $10,000 per accident.
  • Uninsured/Underinsured Bodily Injury: $25,000 per person and $50,000 per accident.
  • Personal Injury Protection: $30,000 per person.

North Dakota Teen Driving Laws

North Dakota operates under a Graduated Driver's License (GDL) program, which includes three stages: Learner's Permit, Restricted Driver's License, and Full License. 

  • Learner's Permit: At 14, North Dakota teens may receive their Learner's Permit after passing a knowledge exam. A Learner's Permit allows teens to drive with a parent, legal guardian, licensed driver, or certified driving instructor. Teens must complete 50 hours of supervised driving practice (10 hours at night) and enroll in driver's education before moving on to the next stage.
  • Restricted Driver's License: After holding their Learner's Permit for 12 months, teen drivers may apply for their Restricted License after completing the required driving practice, completing driver's education, and passing a road skills test. With a Restricted License, teens cannot drive unsupervised between 9:00 PM and 5:00 AM.
  • Full License: At 16 years old, a teen's Restricted License can be transferred in for a Full License. 

Please be aware of additional restrictions for teen drivers in North Dakota.

North Dakota Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in North Dakota. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in North Dakota

No law in North Dakota states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of situations.

Start your North Dakota auto insurance quote online, or by calling (888) 772-4247.

Learn More About North Dakota

A blue state of North Dakota road sign
About North Dakota

North Dakota became America's 39th state in 1889. Known for its scenic beauty and national parks, North Dakota is the perfect place for those that love nature and exploration.