States
North Dakota minimum car insurance: 25/50/25
At least $25,000 per person, $50,000 per accident and $25,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
North Dakota minimum: 25/50/25 · No-fault
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$80,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $25,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
North Dakota's insurance department lists more required lines than most. Beyond $25,000 per person, $50,000 per accident and $25,000 for property, it requires uninsured and underinsured motorist bodily injury cover at 25/50 and basic no-fault personal injury protection of $30,000 per person. It states that this applies to all registered vehicles. That no-fault amount is three times Hawaii's and twice Oregon's, making it the largest required figure of its kind among states whose requirement we read at a stated amount, apart from New York's $50,000. Chapter 26.1-41 of the state code contains the no-fault rules, and its definition of serious injury includes death, dismemberment, disability beyond sixty days and medical expenses above $2,500. Check the chapter itself before applying it to a case. A driver arriving from elsewhere cannot assume matching the three familiar numbers is enough. The department's list sits in a page on business insurance, and it names private passenger vehicles too.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in North Dakota
This is the most common pattern among the states we read, shared with 11 others, so a policy from one of them normally fits without change.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $25,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $25,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for North Dakota.
What else we read for North Dakota
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Basic no-fault personal injury protection of $30,000 per person is required. | official text |
| Other required or offered cover | Uninsured and underinsured motorist bodily injury cover of $25,000 per person and $50,000 per accident is required. | official text |
| Penalties | Not verified | None read |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.