North Dakota Auto Insurance

Driving in the Peace Garden State

If you’re driving the 350 miles across Interstate 94 through North Dakota, you’ll find out why this area of the country is part of the Great Plains. It’s mile after mile of expansive prairie and grassland. It’s also in the historical range of the American bison and pronghorn antelope, which you can still occasionally see when driving around the state. If you’re doing errands around Fargo, driving home from work in Bismarck or on your way to Lake Sakakawea for the weekend, all motor vehicles registered in the state are required be covered by at least the North Dakota minimum car insurance coverage. Talk to your local Safeco insurance agent about coverage that is right for you and to get your North Dakota auto insurance quote today.

North Dakota Car Insurance Laws

Car Insurance in North Dakota

Is car insurance required in North Dakota? Yes.
All registered vehicles in North Dakota must:

  • Be covered by minimum liability insurance levels
  • Be covered for uninsured/underinsured motorists
  • Be covered by personal injury protection

All North Dakota drivers must be able to:

  • Show proof of insurance

To learn more about North Dakota car insurance rates, get your North Dakota car insurance quote today.

North Dakota Minimum Auto Insurance Coverage

What are the minimum car insurance requirements in North Dakota?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your North Dakota Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Financial Responsibility in North Dakota

What is proof of financial responsibility?

It’s evidence that you have the ability and monetary resources to pay for potential damages caused by your car.

Is proof of financial responsibility required in North Dakota?

Yes. The most common and easiest way to meet North Dakota financial responsibility requirements is to buy North Dakota auto insurance from a traditional insurance company or through the North Dakota Automobile Insurance Plan.

Proof of Insurance in North Dakota

It’s a class B misdemeanor to drive without auto liability insurance in North Dakota, with a fine of at least $150.

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All North Dakota drivers must be able to show evidence that they’re insured if asked to do so by a law enforcement officer.

Is proof of insurance required in North Dakota?
Yes. Proof of insurance in North Dakota is required for:

  • Traffic stops

Proof of insurance in North Dakota can include:

  • An insurance ID card issued by your insurance company
  • Certification that you’re covered by the North Dakota Automobile Insurance Plan

Is electronic proof of insurance accepted in North Dakota?

What is electronic proof of insurance?

Electronic proof of insurance allows North Dakota drivers to use your smartphone or mobile electronic device to display a digital version of your insurance ID as valid proof of insurance.

Texting While Driving in North Dakota

Everyone is prohibited from texting and driving in North Dakota.

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in North Dakota may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive and medical payments to your policy.

All car insurance companies in North Dakota offer policies to cover North Dakota auto insurance coverage requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get an North Dakota car insurance quote.

Auto Insurance Coverage Options in North Dakota

In addition to car insurance coverage required in North Dakota and our popular auto insurance coverage options, drivers in North Dakota have even more coverage choices:

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of up to $500. Plus, increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

North Dakota Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in North Dakota. In addition to our popular car insurance discounts, North Dakota drivers have even more opportunities to save.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your North Dakota car insurance quote today and start saving tomorrow.

More Than One Policy

North Dakotans who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

North Dakota drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Talk to your local Safeco car insurance agent about how to save with North Dakota car insurance discounts.

Young Drivers in North Dakota

Getting Your First Driver’s License

Minimum age to get an instruction permit in North Dakota: 14
Minimum age to get a restricted driver’s license in North Dakota: 15
Minimum age to get a full driver’s license in North Dakota: 16 

  • You can’t drive in North Dakota if you are under the age of 16 even if you are licensed to do so in another state.

Teens, Mobile Phones and Texting While Driving

Drivers under the age of 18 in North Dakota are prohibited from using any type of hand-held or hands-free electronic communication device while driving. This includes talking on a cell phone and texting.

Road Trips in North Dakota

Lewis and Clark Trail

The Corps of Discovery expedition entered present day North Dakota in 1804 and again on its return journey in 1806. Follow Lewis and Clark’s famous route through North Dakota on appropriately named state Highway 1804 and 1806.

Sheyenne River Valley Scenic Byway

Follow the scenic Sheyenne River through southeast North Dakota from just north of Valley City to Lisbon and stop at historical markers and sites along the way.

Old Red Old Ten Scenic Byway

Get a taste of rural North Dakota life on the Old Red Trail as you follow the original route across the state before Interstate 94 was built.

Turtle Mountain Scenic Byway

Make your way through rolling foothills and prairie as you drive along the northern border of North Dakota on state Highway 43.

Things to Do in North Dakota

Explore Theodore Roosevelt National Park

Walk, drive or ride your horse through the strange landscape of the badlands in western North Dakota. Wildlife viewing includes bison, wild horses, pronghorn antelope and prairie dogs.

Visit the International Peace Garden

Enjoy a 2300-acre botanical garden celebrating the world’s longest unfortified border between the United States and Canada. It’s about a three hour drive from Bismarck on Interstate 94 and state Highway 3.

See the Sheyenne National Grassland

Just about an hour southwest of Fargo, the Sheyenne National Grassland is a preserve of tallgrass prairie. Get a glimpse of what early pioneers would have encountered when they first arrived in the northern Great Plains.

Fun Facts About North Dakota

State nicknames: Peace Garden State, Flickertail State, Roughrider State
Residents are called: North Dakotans
National parks: Theodore Roosevelt
Origin of the word Dakota: Sioux word for allies
Jazz singer born in Jamestown: Peggly Lee
Unique North Dakota snack: Chocolate-covered potato chips
Highest point in North Dakota: White Butte
Primary Native American groups: Sioux, Blackfoot, Cheyenne, Chippewa, Mandan
Fort Mandan built by: Lews and Clark expedition
In N.D. Lews and Clark met: Sacagawea
Third largest lake in U.S.: Lake Sakakawea
Least populated town: Ruso, N.D.
© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.