North Dakota offers some of the lowest car insurance rates in the nation, thanks to low population density, limited urban congestion, and relatively low accident rates. The state operates under a fault-based liability insurance system.
North Dakota Auto Insurance Facts
Drivers
- ~430,000–450,000 licensed drivers as of 2023.
- ~92% household vehicle ownership.
- Predominantly pickups and SUVs used for rural driving.
- Uninsured motorist rate approximately 8%.
- Limited public transportation outside Bismarck and Fargo.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~7,500
| ~2,000
| 90
|
| 2019
| ~7,800
| ~2,100
| 85
|
| 2020
| ~7,000
| ~1,900
| 80
|
| 2021
| ~7,400
| ~2,000
| 88
|
| 2022
| ~7,600
| ~2,050
| 92
|
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
