Auto insurance minimums in North Dakota
North Dakota requires drivers to carry auto liability insurance, and the minimum limits are 25/50/25. Written out, that is $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident. The three numbers are always in that order, and they are the legal floor, not a coverage recommendation: a serious crash can produce losses far above the minimum, and the minimum is the most the insurer will pay, not the most the crash will cost. Most experts suggest carrying more than the minimum.
North Dakota's minimums are the most common pattern in the country: $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage. The pattern is common because it is the floor most states settled on, not because it is enough for every crash: a serious crash can produce medical bills above the per-person limit and property damage above the property-damage limit, and the insurer pays only up to the limit. The minimum is a floor, and a quote judged against another state's higher minimums is judged against the wrong law.
The minimums are for private passenger vehicles, and they are not the only cover the state requires. North Dakota also requires personal injury protection of $30,000 per person — covering medical expenses and work loss, with work loss capped at $150 a week — and uninsured and underinsured motorist cover of 25/50, which cannot be opted out of. North Dakota does use the SR-22 system: the certificate is filed with the North Dakota Department of Transportation. Lenders and leasing companies require more again: a financed or leased car usually has to carry collision and comprehensive cover, and often higher liability limits, because the lender's interest in the car has to be protected. A driver who buys only the state minimum and skips collision cover has no cover for their own car at all, and the state minimum does not change that. The site's guide to full coverage versus liability works through the decision, including what a lender counts as full coverage.
Fault, PIP and uninsured motorist cover in North Dakota
North Dakota is one of the twelve no-fault states listed by the Insurance Information Institute, under its Auto Accident Reparations Act. After a crash, your own PIP pays your medical bills and some other injury costs first, no matter who caused the crash. Your right to sue the at-fault driver for pain and suffering is limited by a threshold with two parts: your medical expenses must exceed $2,500, or your injury must meet the verbal test — death, dismemberment, serious or permanent disfigurement, or disability beyond 60 days. The III lists North Dakota among the monetary-threshold states, alongside Hawaii, Kansas, Kentucky, Massachusetts, Minnesota and Utah.
Uninsured and underinsured motorist cover is the protection against the other driver's lack of cover, and its position in North Dakota is: uninsured and underinsured motorist cover of 25/50 is required, alongside the $30,000 PIP, and it cannot be opted out of. A driver who is hit by an uninsured driver claims on their own uninsured motorist cover, and a driver hit by a driver whose limits are too low claims on underinsured motorist cover. The site's uninsured motorist guide explains how the cover works. The practical point is the same in every state: the minimum liability limits say what the other driver must carry, and uninsured motorist cover says what happens when they do not carry it — and the two together decide whether a crash with an uninsured driver leaves you paying out of pocket.
No-fault is the system most often confused with the minimums, and it is worth separating the two. The minimums say how much liability cover you must carry. No-fault says who pays for injuries after a crash. North Dakota is a no-fault state, so PIP is the first payer for injuries, and the monetary and verbal threshold gates lawsuits for pain and suffering. Damage to cars is still handled by fault, as in every state. For a claim that clears the threshold, the state's modified comparative fault rule also applies: recovery is barred where the injured driver's share of fault reaches half. The site's no-fault guide explains the twelve no-fault states, the choice states, and the thresholds that limit lawsuits for pain and suffering. Read the page for your own state before relying on the general description, because the general description is a map and the state page is the road.
Home insurance in North Dakota
No state law in North Dakota requires a homeowner to carry homeowners insurance. The requirement, where it exists, comes from the lender: a mortgage lender almost always requires homeowners cover as a condition of the loan, and the lender sets the dwelling limit it will accept. A homeowner without a mortgage is not legally required to insure the house, but an uninsured house is an uninsured asset — a fire, a storm or a burst pipe can destroy the largest asset most people own, and there is no cover to rebuild it. The site's guide to whether homeowners insurance is required explains the lender position in full, and the best homeowners guide explains how to judge a policy for the house rather than by a ranking.
A standard homeowners policy in North Dakota has the same six parts as everywhere in the country: dwelling, other structures, personal property, loss of use, personal liability and medical payments, as the National Association of Insurance Commissioners describes them. The dwelling limit is set by the estimated rebuild cost, not the market value, and the site's homeowners cost calculator works that figure out from the living area and a rebuild cost per square foot. Flood and earthquake are excluded from a standard policy and need separate cover — flood through the National Flood Insurance Program or a private flood insurer, earthquake through a separate earthquake policy — and the site's flood and earthquake guides explain the routes. Your flood zone is an address-level fact, not a state-level one, so check the zone for the address, not for the state.
The deductible deserves the same attention in North Dakota as anywhere else. The minimum deductible offered by most insurers is $500 or $1,000, according to the Insurance Information Institute, and for wind, hail and hurricane damage the deductible is often a percentage of the home's insured value, typically 1% to 5% according to the III. On a home insured for $300,000, a 2% wind and hail deductible is $6,000. The declarations page should show both deductibles — the flat all-other-perils amount and the percentage wind and hail amount — before the policy is bought.
Health insurance in North Dakota
Health cover in North Dakota runs through the marketplace: North Dakota uses the federally run marketplace, HealthCare.gov. Enroll through HealthCare.gov for marketplace cover and premium tax credits. The site's enrollment and subsidies guide walks through the ACA route, and the subsidy calculator estimates what a premium tax credit would do to the monthly cost.
Medicaid in North Dakota: North Dakota has expanded Medicaid since 1 January 2014, so adults can qualify on income up to 138% of the poverty level. The site's Medicaid eligibility guide and its checker explain the income rules, and they are the place to test eligibility rather than assuming it. Because North Dakota expanded Medicaid in 2014, the coverage gap that exists in non-expansion states does not apply here in the same way: adults with income up to 138% of the poverty level can qualify.
Short-term health insurance in North Dakota: short-term health plans are sold in North Dakota, with a 12-month total term for non-association plans. The federal 3-month and 4-month limits set in 2024 have not been enforced since August 2025, so state rules now set the term. A North Dakotan who needs cover for a gap should check the term of any short-term plan first, and compare it with the marketplace, COBRA or Medicaid. The site's short-term hub guide explains the federal duration rule, the August 2025 pause on enforcing it, and the alternatives that cover more — an ACA plan through a special enrollment period, COBRA continuation of an employer's plan, or Medicaid if income qualifies.
The regulator, complaints and how to check a quote
Insurance in North Dakota is regulated by the North Dakota Insurance Department. The regulator licenses insurers, approves the rating plans that set premiums and discounts, and handles complaints when an insurer's conduct is in question. If a claim is denied or underpaid, or if an insurer's behaviour seems wrong, the regulator is the place to complain — and the complaint should be made with the policy, the declarations page and the claim correspondence in hand, because the regulator decides on the record.
Before buying any policy in North Dakota, run the checks in this order. First, the licence: is the insurer licensed in North Dakota, under the name on the policy. Second, the cover: do the limits match the need — the auto minimums above are the floor, not the recommendation, and the home dwelling limit should match the rebuild cost. Third, the settlement method and the exclusions: is the roof settled at replacement cost or actual cash value, is flood covered or excluded, is there a cosmetic-damage exclusion. Fourth, the deductible: what is the flat deductible, is there a percentage wind and hail deductible, and can you pay it from savings on the day of a loss. Fifth, the price: compare like with like, on identical limits, identical deductibles and identical cover types, and compare the total cost, not the premium alone.
Keep the documents together after buying: the policy, the declarations page, the insurer's claims number, and the regulator's contact details, in a place you can reach after a loss. A flooded house or a crashed car is a bad time to discover that the only copy of the policy was in the house or the car. The site's editorial policy explains how this site reviews its guides, and the contact page gives the address for questions about the site itself — but for a question about a policy, the insurer and the regulator are the authorities, not this site.
Worked example
Consider an ILLUSTRATIVE driver in North Dakota buying a first policy. She starts with the state minimums — 25/50/25 — and asks whether they are enough: a serious crash can produce medical bills above the per-person limit and property damage above the property-damage limit, so she compares quotes at higher limits as well as at the minimum, on identical deductibles, and checks what the extra cover costs. She reads the fault section above and notes that her own PIP pays first, and she cannot sue for pain and suffering unless her medical expenses exceed $2,500 or her injury meets the verbal test of death, dismemberment, serious or permanent disfigurement, or disability beyond 60 days. She checks the home policy for the same household against the rebuild cost, confirms the roof's settlement method, and reads both deductibles on the declarations page. She checks the health position — the marketplace route, the Medicaid position, and whether a short-term plan is even sold in North Dakota — before assuming that a short-term plan is an option. The example's value is the method, not any figure in it: no premium is stated, because premiums vary by insurer and by driver. What it shows is that the state rules are the starting point for every quote, and a quote judged against another state's rules is a quote misjudged.