Insurance requirement guides for North Dakota.
$25,000 / $50,000 / $25,000
Bodily injury per person / per accident / property damage, written 25/50/25
Set by N.D.C.C. § 39-16.1-11(2)(b). Read off the statute on , and the figure every North Dakota guide on this site is checked against.
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Registration and insurance verification
North Dakota has no state boat insurance mandate, but marinas on Lake Sakakawea and managed facilities on Devils Lake commonly require liability cover. Zebra mussel decontamination is mandatory when leaving Sakakawea.
North Dakota requires 25/50/25 minimum motorcycle liability and has no helmet law for riders 18+. Motorcycles are excluded from the state's no-fault PIP system — wildlife coverage is essential.
North Dakota requires 25/50/25 liability coverage. Learn the minimum requirements, UM/UIM rules, penalties for driving uninsured, and whether state minimums are adequate.
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Every guide on this page covers a North Dakota requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each North Dakota guide on this site is checked against that same figure. The regulators linked above are where North Dakota publishes the rules, so they are the place to confirm anything before you rely on it.
