North Dakota Auto Insurance Information
Under North Dakota law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Injury Liability (BIL) insurance, as well as at least $25,000 in Property Damage Liability (PDL) coverage. BIL
pays for the medical and other accident-related expenses of those injured in the crash, up to the coverage
limits. PDL pay for the other driver’s car repairs and other property damage, up to the coverage limits. Neither
BIL nor PDL pays for expenses incurred by the at-fault driver.
North Dakota also requires that drivers carry a minimum of $30,000 in PIP insurance, which does cover the
at-fault driver’s medical expenses and those of any injured passengers, as well as funeral expenses, up to the
State law mandates that drivers purchase at least $25,000 per person and $50,000 per accident in both uninsured
and underinsured motorist coverage.
Keep in mind that all of these amounts are minimal requirements, and most drivers should carry additional
coverage to protect their personal assets in case of a serious accident.
While the state does not require collision or comprehensive coverage, lenders will almost certainly mandate such
insurance for financed or leased vehicles. Even if you own your car outright, it is wise to purchase such
coverage if you cannot afford to replace the vehicle if it is totaled in a crash.
SR-22 Insurance in North Dakota
Drivers convicted for driving under the influence, actual physical control, driving while revoked, driving for
suspension when suspended for more than 91 days, experiencing a crash when no insurance was in effect, or
convictions for negligent homicide, manslaughter or a felony when a motor vehicle is used, must have their
insurance company file an SR-22 Form with the North
Dakota Department of Transportation (DOT) before license reinstatement. An SR-22 form is a certificate of
financial responsibility. Drivers who have a civil judgment against them resulting from a motor vehicle accident
must also file an SR-22 Form.
North Dakota Drivers Statistics
Fewer than 800,000 people call The Flickertail State home, and approximately 560,000 of them hold drivers’
licenses. While the state is the 19th largest in area, it ranks as the fourth smallest by population. North and
South Dakota were both admitted to the Union on the same day in 1889.
Agriculture is by far the leading industry, with its top products including wheat, beef, corn, pork, dairy
production, soybeans, barley, flaxseed, sunflower seeds, and sugar beets. Other leading industries include
manufacturing, mining, natural gas production, banking, and insurance.
Major attractions in North Dakota include Theodore Roosevelt National Park; Knife River Indian Villages National
Historic Site; the Plains Art Museum in Fargo; the Scandinavian Heritage Park in Minot, and Fort Abraham Lincoln
North Dakota Auto Insurance & Accident Facts
Based on population and number of miles driven, North Dakota has often had the unfortunate distinction of the
highest automobile fatality rate in the country. There are roughly 15,000 crashes per year in North Dakota. In
2017, the exact number of crashes numbered 15,280, with 116 fatalities and 4,432 injuries. That is a significant
drop from 2012 when 170 people were killed and 5,311 injured. Deaths and injuries have declined since 2012,
although there was a slight uptick in 2017 fatalities over the previous year.