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)

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Note  1 Average monthly cost for car insurance is based on Monthly Average Premium on USAA Auto Insurance policies for state listed.

Note  2 USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Cross Country Motor Club, Inc., Medford, MA 02155, except in AK, CA, HI, OR, WI and WY, where services are provided through Cross Country Motor Club of California, Inc., Thousand Oaks, CA 91360. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

Note  3 Rental Reimbursement and Transportation Expenses are additional coverages and require additional premium. Restrictions apply.

Note  4 The USAA SafePilot® program is an optional discount program available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot to receive discount. This program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA DriveSafe™ App required.

Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount may vary by state and over the life of the policy.

Review the Program Terms and Conditions (Opens in New Window) for more information.

Note  5 Potential average savings based on countrywide survey of new customers who switched to United Services Automobile Association and self-reported savings from July 1, 2021 to June 30, 2023. Individual savings may vary and isn't guaranteed.

Note  6 This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.

Note  7 Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Note  8 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

Note  9 For purposes of Accident Forgiveness, “at-fault accident” means a chargeable accident under USAA's Merit Rating Plan on file in your state/location. Accidents not considered chargeable under USAA's Merit Rating Plan on file in your state/location may be used to classify the drivers on your policy or determine eligibility for certain discounts, which may increase the premium you pay. Accident Forgiveness is not available in all locations. Other restrictions may apply.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

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