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North Dakota Minimum Car Insurance and Penalties for Driving Without It
The short answer
North Dakota requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: PIP $30,000, UM/UIM.
North Dakota at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | Personal injury protection (PIP) of up to $30,000 per person is required, plus uninsured and underinsured motorist coverage at the liability minimum limits. |
| First offense for driving uninsured | Driving without insurance is a noncriminal traffic violation with a $150 fee and 6 points on your record (14 points if found during an accident investigation and you own the vehicle). You must file a certificate of insurance and keep it on file for one year or your driving privileges are suspended, and you must buy a $50 duplicate license with a proof-of-insurance notation ($50 more to remove it). There is no jail. |
| Repeat offense | A second or later violation within three years carries a $300 fee and 12 points if you had a prior violation within 18 months (14 with an accident when you own the vehicle). The court orders your plates impounded until you show proof of insurance and pay a $20 fee, and the one-year insurance filing and license notation also apply. |
| Fee to restore after a lapse | $50 for the duplicate license with the insurance notation, $50 to remove the notation, and on a second or later violation a $20 court fee to release impounded plates. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in North Dakota?
North Dakota requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: PIP $30,000, UM/UIM.
What happens if you drive without insurance in North Dakota?
Driving without insurance is a noncriminal traffic violation with a $150 fee and 6 points on your record (14 points if found during an accident investigation and you own the vehicle). You must file a certificate of insurance and keep it on file for one year or your driving privileges are suspended, and you must buy a $50 duplicate license with a proof-of-insurance notation ($50 more to remove it). There is no jail.