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Coverage and service in the Peace Garden State

North Dakota has more than 175,000 miles of roadway, beautiful enough to inspire former President Theodore Roosevelt. If you live in the Peace Garden State, USAA offers a combination of coverage and service as big as the Dakota Prairie Grasslands. Whether you're taking a weekend drive on the Enchanted Highway, exploring Theodore Roosevelt National Park or motoring to Minot AFB, USAA can be there for you.

USAA offers North Dakota residents a large combination of car insurance coverages and excellent service.

The average cost of car insurance in North Dakota

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

See note$117 See noteper month

The average monthly cost for all USAA auto policies issued in North Dakota in 2023.See note1

North Dakota car insurance coverage requirements

North Dakota is a no-fault state, which means no matter who caused the accident, your personal injury protection insurance will provide initial coverage for covered medical costs up to your policy limits.

As of Jan. 1, 2024, North Dakota law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault.

  • $25,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

  • Uninsured and underinsured motorist coverage

    Insurance companies are required to provide North Dakota drivers uninsured and underinsured motorist coverage. These coverages help cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage.

  • Personal injury protection

    Personal injury protection coverage is mandatory for North Dakota drivers. This helps cover medical expenses for you and your passengers, no matter who's at fault in an accident. Learn about PIP coverage.

  • Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

    A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

    If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in North Dakota

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)