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North Dakota Minimum Car Insurance (25/50/25)

Use the calculator to see how North Dakota's minimum limits would apply to a hypothetical injury bill and property-damage bill.

This tool is an estimate for education only. It is not legal advice, not an insurance quote, and not a prediction of what a court, insurer, or claims adjuster would pay. Coverage rules, statutes, and case law change. Read the official source linked on this page. Nothing you type into the calculator is collected or sent anywhere; the math runs in your browser.

Short answer: North Dakota requires $25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage. This page prefills the calculator for North Dakota and cites the official source.

Reviewed November 7, 2026

What North Dakota requires

North Dakota's Insurance Department states that drivers must carry liability of $25,000/$50,000/$25,000, uninsured-motorist coverage of $25,000/$50,000, and basic no-fault benefits of $30,000 per person. Those no-fault benefits are first-party coverage for your own injuries and are shown separately from the at-fault liability math in this calculator.

Required PIP / no-fault of $30,000 (Basic no-fault benefits of $30,000 per person.) Uninsured-motorist coverage of 25/50 is required.

A common way to write split limits is 25/50/25. The first number is bodily injury per person, the second is bodily injury for everyone hurt in one crash, and the third is property damage. This calculator's injury example uses only the per-person number because it assumes one injured person.

Official source

North Dakota Insurance Department, Auto insurance. North Dakota Insurance Department auto consumer page (opened 2026-11-07): 25/50/25 liability, UM 25/50, and basic no-fault of $30,000 per person

Reviewed November 7, 2026. Compare other states on the sources table or the machine-readable data file.

For the recovery rule that would apply if you were partly at fault in North Dakota, use the fault / comparative negligence calculator.

FAQ

What is the minimum car insurance in North Dakota?

The primary source cited on this page states that North Dakota requires $25,000 bodily injury per person / $50,000 bodily injury per accident / $25,000 property damage. In addition, required PIP / no-fault of $30,000 (Basic no-fault benefits of $30,000 per person.); Uninsured-motorist coverage of 25/50 is required.. Always read the official source because statutes and department guidance can change.

Does North Dakota's minimum cover my own injuries or my own car?

Liability coverage pays people you injure or whose property you damage. It does not pay your own medical bills or repair your own car. This state does require first-party PIP or no-fault benefits for your own injuries ($30,000 in the figure we verified). Collision and comprehensive are separate optional coverages.

What if medical or repair bills are higher than the minimum?

The calculator subtracts North Dakota's per-person bodily-injury minimum from a one-person injury bill and subtracts the property-damage minimum from a property bill. Anything above those two limits is the simple gap shown.

Is uninsured or underinsured motorist coverage required in North Dakota?

Uninsured-motorist coverage of 25/50 is required.

How does this calculator work?

You enter a hypothetical injury bill for one other person and a hypothetical property-damage bill. The script, running only in your browser, compares those bills with the verified per-person BI limit and PD limit and shows the covered amount and the leftover gap. It does not send your numbers to our servers.

Is this legal advice or an insurance quote?

No. This North Dakota page and calculator are general information based on the official source cited below, reviewed November 7, 2026. They are not a quote and not advice about your claim or what limits you should buy.