North Dakota
Auto Insurance Coverages
How do you choose the auto insurance that's right for you when there are so many companies offering auto insurance in North Dakota? Finding auto insurance that fits your lifestyle can be daunting, but you local Allstate agent will take the time to help you make the right choices as your auto insurance needs change. Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products available in North Dakota. If you have a teen driver in ND, you must consider North Dakota's Graduated Driver Licensing laws (see chart below).
North Dakota Auto Insurance Coverage Scale
Choosing what auto insurance coverages are right for you in North Dakota can be challenging. You can use the North Dakota auto insurance coverage levels chart below as a starting point for understanding the North Dakota coverage level requirements and for reviewing the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000
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100,000/300,000
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Property Damage Liability
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25,000
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100,000
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Uninsured Motorist Bodily Injury
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25,000/50,000
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100,000/300,000
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Underinsured Motorist Bodily Injury
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Required
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100,000/300,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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250 deductible
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Personal Injury Protection
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30,000
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30,000
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North Dakota Graduated Driver Licensing
Help protect your teen driver by reviewing the North Dakota Graduated Driver Licensing (GDL) laws. The GDL laws are one of the few things that have been proven to save teen lives. You and your teen should become familiar with these laws and should use them to form guidelines and rules for your teen driver.
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Insurance Institute for Highway Safety Rating
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Marginal
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Minimum Entry Age
(Optimal: 16)
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14
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has no provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has no provision
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has no provision
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Minimum Exit Age
(Optimal: 18)
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16
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Iowa,
Minnesota,
Montana,
Nebraska,
South Dakota
Wyoming
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in North Dakota. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.