Insurance in North Dakota: State Rules and Requirements

Insurance in North Dakota

The rules that shape car, home and business insurance in North Dakota, each linked to its official source, and how to get coverage shopped here. Sam Alishahi holds a North Dakota nonresident insurance producer license (NPN 21022298) and places North Dakota policies directly.

By Sam Alishahi · Reviewed October 2026

Car insurance in North Dakota (25/50/25)

Minimum car insuranceNorth Dakota requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Basic no-fault (PIP) of $30,000 per person is mandatory, as are uninsured and underinsured motorist coverage at $25,000/$50,000. Source
Fault systemYour own no-fault coverage pays economic losses regardless of fault, and you can sue the other driver for pain and suffering only after a serious injury, which state law defines to include medical expenses over $2,500, death, dismemberment, serious permanent disfigurement, or disability lasting more than 60 days. Source

Business insurance rules in North Dakota

Workers’ compensationNorth Dakota is a monopolistic state: with limited exceptions, every employer must buy workers' compensation from the state agency Workforce Safety & Insurance (WSI) before any employee starts work, and private insurers cannot sell it. Source
Contractor licensingThe North Dakota Secretary of State licenses contractors, and a license is required for any job worth more than $4,000. Applicants must file a certificate of liability insurance and proof of coverage from Workforce Safety & Insurance. Source

Home insurance in North Dakota

Home insurer of last resortNorth Dakota does not have a FAIR Plan. Hail and severe thunderstorms are the main catastrophe exposure, and flood damage requires a separate flood policy. Source

High-value homes in North Dakota.

Disasters, floods, hail, tornadoes and earthquakes in North Dakota

North Dakota disasters, floods, hail, tornadoes and earthquakes, from federal records
Measure	North Dakota	Rank among the states	Detail
Federal major disaster declarations since 2000	38	#18 of 51	Most often for severe storm (22), flood (11), snowstorm (2). Walsh County has been in 18 of them.
National Flood Insurance Program claims, 2005–2025	4,234	#27 of 51	$128.0 million paid; 57% of claims with a known flood zone were outside FEMA’s high-risk zones.
Homes in high-risk flood zones with a federal flood policy	27%	#22 of 50	2,307 policies for 8,619 homes in the counties FEMA can measure; US: 40%.
Hail reports, 2016–2025	2,453	#11 of 51	235 of them 2 inches or larger. Largest stone 4.5 inches, Burleigh County, July 2024.
Tornadoes, 2016–2025	253	#23 of 51	21 rated EF2 or stronger; 1,739 recorded since 1950.
Earthquakes of magnitude 4.0+, 2000–2025	0	—	None of magnitude 4.0 or greater recorded in or near the state.

From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.

Look up the storm history of any county in North Dakota.

The property risks that matter in North Dakota

Flooding is the most common U.S. natural disaster, and it is excluded from regular home policies. North Dakota residents outside high-risk zones can often buy NFIP or private flood coverage at lower cost; remember the typical 30-day waiting period.

Hail is one of the most frequent property claims in North Dakota. Read how your policy settles roof claims: some pay replacement cost, others pay actual cash value on roofs past a certain age, and cosmetic-damage exclusions are increasingly common. Impact-resistant (Class 4) shingles may earn a discount.

Worth knowing in North Dakota

Workers' compensation can be bought only from the state's Workforce Safety & Insurance fund, so employers with North Dakota workers cannot add it to a private package policy.

Annual review checklist for North Dakota

Compare your auto liability limits with the North Dakota minimum of 25/50/25 and with your actual assets.
Check your address on FEMA's Flood Map Service Center and price an NFIP or private flood policy before storm season (NFIP usually has a 30-day wait).
Add water backup coverage and keep heat on when the home is empty.
Read the roof settlement clause and ask whether Class 4 impact-resistant shingles earn a credit.
Landlords: confirm fair rental value and liability on each unit.

North Dakota’s insurance regulator

Insurance in North Dakota is regulated by the North Dakota Insurance Department, which handles consumer complaints and licenses insurers and agents.

Sam Alishahi holds a North Dakota nonresident insurance producer license (NPN 21022298) and places North Dakota policies directly.

Common questions

What is the minimum car insurance in North Dakota?

North Dakota requires $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage. Basic no-fault (PIP) of $30,000 per person is mandatory, as are uninsured and underinsured motorist coverage at $25,000/$50,000.

Is North Dakota a no-fault state?

Your own no-fault coverage pays economic losses regardless of fault, and you can sue the other driver for pain and suffering only after a serious injury, which state law defines to include medical expenses over $2,500, death, dismemberment, serious permanent disfigurement, or disability lasting more than 60 days.

Do employers in North Dakota need workers’ comp?

North Dakota is a monopolistic state: with limited exceptions, every employer must buy workers' compensation from the state agency Workforce Safety & Insurance (WSI) before any employee starts work, and private insurers cannot sell it.

What can a North Dakota homeowner do if no insurer will write the house?

North Dakota does not have a FAIR Plan. Hail and severe thunderstorms are the main catastrophe exposure, and flood damage requires a separate flood policy.

Do I need flood insurance in North Dakota?

If you're in a high-risk flood zone with a federally backed mortgage, your lender will require it. Elsewhere it's optional but worth pricing, because homeowners policies exclude flood.

Are frozen pipes covered in North Dakota?

Sudden bursts are usually covered, but damage caused by failing to maintain heat in a vacant home may be excluded.

More answers: North Dakota homeowners insurance guide North Dakota renters insurance and security deposit guide North Dakota life insurance consumer guide North Dakota flood risk and NFIP guide

Sources

General information as of October 2026, not legal advice; confirm current rules with the agency.

Tell me what you need insured.

Home, car, business, trucks or something harder to place. One request, and I take it from there.

Alishahi Insurance · Saman Alishahi, independent insurance broker, 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210. General information, not a quote or a promise of coverage.

Insurance in North Dakota