North Dakota Auto Insurance regulations:

North Dakota auto insurance requires three coverages. Each driver must purchase liability insurance, uninsured and underinsured motorists coverage, and personal injury protection. The state's standard liability coverage requirements are 25/50/25. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $25,000 for damage you cause to the other party's personal property. Uninsured and underinsured motorist bodily injury coverages carry the same minimums, 25/50 as liability. In addition coverage of at least $30,000 per person is required for personal injury protection (PIP).

Overall Rates are determined by the driving habits of the drivers within a state. North Dakota determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.