North Dakota Insurance Requirements & Rates

North Dakota requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). North Dakota is a choice no-fault state, giving drivers the option to choose between at-fault and no-fault coverage. Uninsured motorist coverage is required. Personal injury protection (PIP) is also required.

North Dakota homeowners face risks from flooding, severe thunderstorms, tornadoes, winter storms. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $2,277.

North Dakota requires riders under 18 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is may–september.

Yes, workers' compensation insurance is required in North Dakota. Coverage provided through state fund; sole proprietors may opt out. North Dakota has approximately 80,000 small businesses, with top industries including Agriculture, Oil & Gas, Healthcare.

Yes, North Dakota has expanded Medicaid. The state uses the federal marketplace at healthcare.gov. The uninsured rate is 8%.

Yes, landlords in North Dakota can require tenants to carry renters insurance as a condition of the lease. About 38% of North Dakota residents are renters, with average monthly rent of $850.

With a median household income of $68,131, most North Dakota families should consider 10-12x their annual income in life insurance coverage. Currently, 55% of North Dakota households have life insurance.