Is North Dakota a no-fault state?
Yes. North Dakota is a no-fault state. Your own basic no-fault coverage (PIP) pays up to $30,000 of your medical bills and lost work, no matter who caused the crash.
Last checked November 9, 2026 · Official sources (6)
How does North Dakota car insurance work?
“Basic no-fault provides you coverage for economic loss (such as medical expenses and work loss) as a result of an accidental injury without regard to fault.”
North Dakota Insurance Department
What is North Dakota's minimum car insurance?
| Coverage | What North Dakota requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Personal injury protection (PIP) | Basic no-fault coverage, also called Personal Injury Protection (PIP), is required at $30,000 per person. |
| Uninsured motorist | Uninsured motorist coverage is required at $25,000 per person and $50,000 per crash. Underinsured motorist coverage must match it. |
When can you sue in North Dakota?
A "serious injury" means death, dismemberment, serious and permanent disfigurement, disability for more than 60 days, or medical expenses over $2,500. Without one, you cannot recover pain and suffering from an insured driver.
Other no-fault states
Questions
How much insurance does North Dakota require?
At least $25,000 for injury to one person and $50,000 for injuries in one crash, plus $25,000 for property damage.
What if you were partly at fault in North Dakota?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing if your fault is as great as everyone else's combined (50% or more).
When can you sue after a crash in North Dakota?
You can sue the at-fault driver for pain and suffering only for a "serious injury": death, dismemberment, serious and permanent disfigurement, disability lasting more than 60 days, or medical expenses over $2,500.
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See if I’m owed moneySources (6)
- North Dakota Insurance Department, checked 2026-11-09. “Basic no-fault provides you coverage for economic loss (such as medical expenses and work loss) as a result of an accidental injury without regard to fault.”
- North Dakota Insurance Department, checked 2026-11-09. “North Dakota state law requires that all motor vehicles registered and operated in the state carry certain minimum insurance coverages: Bodily injury liability - $25,000 per person (the maximum amount payable to one person)/$50,000 per accident”
- North Dakota Insurance Department, checked 2026-11-09. “Basic no-fault - $30,000 per person. Basic no-fault provides you coverage for economic loss (such as medical expenses and work loss)”
- North Dakota Insurance Department, checked 2026-11-09. “Uninsured motorist coverage - $25,000 per person/$50,000 per accident. An uninsured motorist provides you coverage for a bodily injury claim you would have against another driver who does not have insurance.”
- North Dakota Century Code, Section 32-03.2-02, checked 2026-11-09. “Contributory fault does not bar recovery in an action by any person to recover damages for death or injury to person or property unless the fault was as great as the combined fault of all other persons who contribute to the injury”
- North Dakota Century Code, Section 26.1-41-01(21), checked 2026-11-09. “"Serious injury" means an accidental bodily injury which results in death, dismemberment, serious and permanent disfigurement or disability beyond sixty days, or medical expenses in excess of two thousand five hundred dollars.”